Information Retrieval Services.
Database, data feeds and information retrieval services.
- MCC
- 7375
- Category
- Business Services
- Cardflo support
- Yes
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.
Merchants in information retrieval should prioritise highly available infrastructure to ensure seamless data delivery, key to mitigating "services not rendered" disputes. Given the recurring nature of many subscriptions, implement robust renewal notification systems and clear cancellation processes to reduce customer confusion.
Transaction sizes often favour online payment methods, so integrate well with digital wallets and direct debit options for recurring billing optimisation. Customer service should be readily accessible for technical support, proactively addressing data accuracy concerns.
This helps maintain high customer satisfaction, directly impacting dispute rates and ensuring consistent revenue streams without excessive reserve holdbacks.
Acquirer and acquirer assessment 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.
Dispute and chargeback profile.
Merchants often face "13.1 / 4853 (merchandise/services not received)" and "13.3 / 4855 (services not as described)" due to perceived non-delivery or data inaccuracy. These arise when subscribers cannot access data or find it differs from expectations.
Defeat these with timestamped access logs, IP addresses, proof of data download or usage, and clear service descriptions agreed at point of sale. For "13.6 / 4808 (cancelled recurring transaction)", provide evidence of cancellation policy acknowledgement and non-cancellation prior to billing.
See also: chargeback management · payment response codes · Compelling Evidence 3.0.
Book a scoping call to see how Cardflo would set you up.
How Cardflo handles MCC 7375
- Placement 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.
- Dedicated onboarding manager experienced with B2B and corporate merchants.
Payment methods typically enabled.
Onboarding checklist.
What acquirers typically ask to see when boarding MCC 7375. Cardflo collects this once and reuses it across every acquirer we route you through.
- Business registration and beneficial-owner documentation (KYB, UBO).
- Six months of processing statements or bank statements demonstrating B2B volume.
- Standard master services agreement or engagement letter template.
- Level 2 / Level 3 data capability evidence for commercial-card processing.
- Refund, cancellation and dispute-handling policy for recurring or retainer billing.
- Six months of processing statements or bank statements demonstrating trading pattern.
See also: Know Your Customer (KYC) · high-risk merchant · smart routing.
Talk to an acquiring specialist about your MID setup.
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.
How can I best handle subscription cancellations to minimise chargebacks, particularly given the digital nature of data services?
For digital information services, ensure your cancellation policy is prominently displayed and easily accessible, ideally with a one-click online cancellation option for customer convenience.
Implement a clear grace period, if applicable, and always send a confirmation email upon successful cancellation, detailing the effective date and any pro-rated refunds. Maintain comprehensive logs of customer interactions related to cancellation requests, including dates, times, and actions taken.
Proactive communication regarding upcoming renewals and flexible downgrade options can also significantly reduce instances of angry chargebacks from customers who feel trapped in a subscription they no longer want to use.
What specific data points should I capture during the purchase process to defend against claims of non-receipt or data inaccuracy for information services?
Beyond standard transaction details, capture the customer's IP address and device fingerprint at the point of subscription or data download. Record the exact date and time of data access, download, or streaming, along with the specific data sets or reports accessed.
Store consent logs for your terms of service, which should explicitly detail data accuracy disclaimers and service level agreements. For high-value transactions, consider implementing knowledge-based authentication or two-factor authentication to verify the user's identity, especially if the data is sensitive.
These records provide irrefutable evidence against claims of services not rendered or misrepresented.
Other MCCs in Business Services
Related industries.
Related features.
Related guides.
Ready to improve your payments setup?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.