Truck Stop / Petrol Cards
Truck-stop fleet card and fuel programs.
What MCC 7511 covers
Merchant Category Code 7511 is the ISO 18245 identifier used by the card networks for truck stop / petrol cards. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Truck-stop fleet card and fuel programs. 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 7511 is specifically for Truck Stop/Petrol Cards, meaning transactions are typically for fuel, maintenance, and other services at truck stops, primarily using fleet or commercial cards. The merchant profile is usually a fuel station or truck stop.
Ticket sizes can be high, reflecting bulk fuel purchases or vehicle repairs. Frequency is often regular, tied to commercial transport operations.
Transactions are often card-present, though some fleet card programmes allow card-not-present for pre-payments.
Chargeback rates are generally low due to the card-present nature and the use of specialised fleet cards with robust security features. Common dispute reasons might relate to incorrect fuel grade, mechanical service issues ('Services Not as Described'), or duplicate billing.
However, some fleet cards operate outside standard scheme rules for fraud liability.
Cardflo's comprehensive APM coverage and its ability to route transactions, especially for fleet cards and commercial card programmes, ensures that these merchants can accept all relevant payment types, optimising processing efficiency and reducing operational complexities at the point of sale.
Acquirer & underwriting stance
Low-risk standard board. Fixed location and typically card-present transactions contribute to a stable risk profile.
No specific reserve requirements are common.
How Cardflo handles MCC 7511
- Underwriting with acquirers that actively board MCC 7511 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
How do fleet cards impact chargeback liability for MCC 7511 merchants?
Many fleet card programmes operate with their own proprietary rules concerning chargeback liability. While some may follow standard Visa/Mastercard rules, others might place more liability on the card issuer or provide different dispute resolution mechanisms.
Merchants should check their specific fleet card agreements for details beyond standard scheme rules.
Are there specific interchange rates for commercial or fleet cards at truck stops?
Yes, commercial and fleet cards typically have different, often higher, interchange rates compared to standard consumer credit cards. These rates vary by card type, programme, and the information passed during the transaction (e.
g. , Level 2 or Level 3 data), which can include data like VAT number, purchase order number, and additional tax details to qualify for lower commercial interchange.
What is 'Level 3 data' and how does it benefit a truck stop in MCC 7511?
Level 3 data refers to enhanced transaction details (e. g.
, quantity, item code, description, destination postcode) included in a commercial card transaction.
Providing Level 3 data can significantly reduce interchange costs for fleet and commercial card transactions, as it gives the issuing bank more information about the purchase, which can lower their risk assessment and thus the interchange fee.
Cardflo's processing solutions can help merchants pass this data where possible.
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