Computer Maintenance, Repair & Services (NEC).
IT support, computer repair and managed services.
- MCC
- 7379
- Category
- Business Services
- Cardflo support
- Yes
What MCC 7379 covers
Merchant Category Code 7379 is the ISO 18245 identifier used by the card networks for computer maintenance, repair & services (NEC). Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
IT support, computer repair and managed 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.
This MCC covers computer maintenance, repair, and miscellaneous computer services not elsewhere classified, including IT support, computer repair shops, and managed IT services providers. Transaction sizes vary greatly, from small, one-off repair fees (£50-£200) to larger, recurring monthly retainers for managed services (£500+).
Frequency for repair services is infrequent, while managed services offer predictable recurring revenue.
Chargebacks are generally low but can occur due to perceived poor service, unresolved technical issues, or billing disputes for recurring services. 'Services not rendered' or 'services not as described' are common reasons.
Cardflo's adaptable payment gateway supports both one-off and recurring payment models, coupled with robust dispute management tools, making it well-suited for the varied transaction patterns and occasional service-related disputes in this MCC.
Merchants providing computer maintenance and related services need acceptance configurations that handle both one-off, in-person payments, and recurring digital billing. For repair services, consider mobile PoS solutions allowing onsite payment capture.
For managed services, robust recurring billing platforms are essential, supporting direct debits and card-on-file with clear notification protocols for renewals. Given varied ticket sizes, ensure your payment gateway allows for both low-value and higher-value transactions without excessive friction.
Transparent service contracts and excellent customer support are crucial to minimise disputes over service quality, which directly impacts your reserve expectations and overall profitability.
Acquirer and acquirer assessment stance.
Low-risk standard board. These businesses provide tangible or clearly defined services.
Standard underwriting with a focus on service agreements and customer support processes. Reserves are generally not required.
Dispute and chargeback profile.
Common disputes include "13.3 / 4855 (services not as described)" and "13.1 / 4853 (merchandise/services not received)" when repairs fail or IT support falls short. "13.6 / 4808 (cancelled recurring transaction)" occurs with managed service contracts.
Defeat "services not as described" with detailed work orders, diagnostic reports, before-and-after photos, and signed customer satisfaction forms. For "services not received," provide technician visit logs, remote access session records, and customer communication.
For cancelled contracts, show signed service agreements and proof of service delivery prior to cancellation attempts.
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 7379
- Placement with acquirers that actively board MCC 7379 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 7379. 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 specific documentation is crucial when defending a 'services not as described' chargeback for computer repair?
For 'services not as described' chargebacks in computer repair, critical documentation includes signed work orders detailing the requested and performed repairs, diagnostic reports, before-and-after photos or video (if applicable), itemised invoices, and proof of customer pick-up or delivery.
Any communication with the customer acknowledging satisfaction or problem resolution is also highly valuable.
How can merchants in MCC 7379 ensure PCI DSS compliance for on-site payment collection?
For on-site payment collection, merchants should use PCI-compliant point-of-sale (POS) terminals that encrypt card data at the point of interaction (P2PE devices) or secure mobile payment applications.
Using a Cardflo-integrated terminal or virtual terminal ensures that sensitive card data never touches the merchant's uncertified systems, significantly reducing the scope and burden of PCI DSS compliance.
Are there specific interchange rates for small-ticket repair services in this MCC?
Small-ticket repair services might benefit from lower interchange rates on certain debit card transactions, especially within the EU due to regulated interchange caps (0.2% for debit, 0.3% for credit consumer cards).
For non-regulated regions, specific small-ticket interchange categories might exist depending on the scheme and card type, which Cardflo's intelligent routing aims to leverage for cost optimisation.
How should managed IT service providers structure their recurring billing to minimise disputes over perceived non-delivery of services?
Managed IT service providers should implement a recurring billing system that clearly itemises services covered and their corresponding costs. Monthly service reports detailing proactive maintenance, ticket resolution, and system uptime provide concrete evidence of service delivery.
Ensure your client agreement explicitly outlines your service level agreements (SLAs), response times, and an agreed scope of work. Before each billing cycle, send a pre-notification email reminding clients of the upcoming charge and their service coverage.
Offer a transparent client portal where they can view service history and log issues, fostering trust and reducing chargeback propensity.
What evidence should computer repair shops gather at the point of service to protect against 'services not as described' chargebacks?
Computer repair shops should document the full diagnostic process and agreed-upon repairs in detail, obtaining customer sign-off on the proposed work and estimated costs. Before and after photos or videos of the device's condition, especially for physical repairs, serve as strong evidence.
Clearly itemise parts used and labour hours on the invoice. Upon completion, test the device with the customer present and obtain a signed release or work completion form confirming satisfaction.
Providing a detailed warranty statement for the repair further demonstrates commitment to quality service and offers a clear resolution path should issues arise.
Other MCCs in Business Services
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