Information Retrieval Services
Database, data feeds and information retrieval services.
What MCC 7375 covers
Merchant Category Code 7375 is the ISO 18245 identifier used by the card networks for information retrieval services. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Database, data feeds and information retrieval services. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
MCC 7375 covers merchants providing information retrieval services, including database services, data feeds, and online information access. This encompasses businesses offering access to historical data, real-time market data, scientific databases, or specialised directories.
Transaction sizes can range from small, recurring monthly fees for subscription access to larger, one-time fees for extensive data downloads or bespoke reports. Transaction frequency is often recurring, especially for data subscription models.
Chargebacks are generally low but can arise from perceived non-delivery of data, data inaccuracy, or issues with subscription cancellation. Instances of 'friendly fraud' where a user claims non-receipt of digital information after downloading can occur.
Cardflo's sophisticated fraud monitoring and recurring billing management tools are particularly beneficial for these businesses, helping to mitigate disputes related to subscription services and ensure consistent revenue collection, alongside detailed transaction reporting for data audit trails.
Acquirer & underwriting stance
Low-risk standard board. These businesses typically operate on clear subscription models with digital delivery.
Standard underwriting and due diligence apply, and specific reserve requirements are uncommon unless prior risk indicators are present.
How Cardflo handles MCC 7375
- Underwriting with acquirers that actively board MCC 7375 businesses in your region.
- B2B card-not-present processing with Level 2 and Level 3 data support.
- Virtual-card, AP-automation and procurement-card acceptance.
- Invoice-linked payment flows and pay-by-link options for receivables teams.
- Settlement and reconciliation that maps cleanly to ERP and accounting systems.
Payment methods typically enabled
Common questions
What evidence is best for defending a chargeback for 'information not received' under MCC 7375?
For 'information not received' disputes, merchants should provide proof of access or download, such as server logs, IP addresses, timestamps, and user activity records. Email confirmations of subscription activation or data delivery are also useful.
Cardflo's chargeback tooling helps merchants compile and submit this evidence efficiently to the schemes.
Can companies in MCC 7375 benefit from 3DS exemptions for recurring data subscriptions?
Yes, similar to other subscription models, recurring transactions for data subscriptions can often be exempted from 3D Secure challenges after the initial payment is authenticated. This falls under the 'merchant-initiated transaction' (MIT) exemption for subsequent payments, provided they are of a consistent amount and frequency.
This streamlined process benefits conversion rates for merchants under MCC 7375.
What considerations are there for global data providers in this MCC regarding multi-currency processing?
Global data providers need robust multi-currency processing capabilities and settlement options. Offering local currency pricing and local payment methods via Cardflo's acquiring network can significantly improve conversion rates and customer satisfaction.
It also helps in managing international scheme rules and PCI DSS compliance across different regions for digital data delivery.
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