Truck & Utility Trailer Rentals
Light commercial truck and trailer rental.
What MCC 7513 covers
Merchant Category Code 7513 is the ISO 18245 identifier used by the card networks for truck & utility trailer rentals. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Light commercial truck and trailer rental. 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 7513 applies to Truck and Utility Trailer Rentals, focusing on light commercial vehicles and trailers. Merchants typically include truck rental companies like U-Haul or local independent businesses.
Ticket sizes are generally medium, reflecting daily or weekly rental costs, potentially increasing with longer durations or specialised equipment. Frequency can be sporadic for individual users or regular for small businesses.
Chargeback risk is moderate to high, similar to car rentals but potentially exacerbated by the commercial nature and the condition of rented equipment. 'Services Not as Described' (e.
g. , mechanical issues, lack of promised equipment), 'Credit Not Processed' for deposits, and disputes over damage charges are common.
Clear agreements and vehicle inspection protocols are crucial.
Cardflo's robust payment gateway supports complex authorization and capture processes, essential for managing security deposits and final charges associated with truck and trailer rentals. This, combined with our dispute resolution tools, helps merchants navigate the specific chargeback challenges in this sector.
Acquirer & underwriting stance
Medium-risk standard board with monitoring. Similar to car rentals, the potential for damage disputes and deposit management requires vigilance.
A reserve of 5% may be applied, particularly for newer merchants.
How Cardflo handles MCC 7513
- Underwriting with acquirers that actively board MCC 7513 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 merchants in MCC 7513 handle damage disputes for rented trucks or trailers?
Damage disputes for truck and trailer rentals require meticulous documentation. Merchants should conduct detailed pre and post-rental inspections, ideally with photographic or video evidence, signed by both parties.
Clear communication regarding insurance options, damage responsibility, and the process for assessing and charging for damages is vital to successfully defend against chargebacks.
What specific terms should be included in rental agreements for light commercial vehicles to protect against chargebacks?
Rental agreements should explicitly detail the condition of the vehicle at pick-up, fuel policies, late return fees, damage liabilities, and the process for assessing and charging for damages or additional services.
Clearly defining the terms for security deposits and their refund process also helps prevent disputes. All terms should be clearly acknowledged by the renter.
Can contactless payments be used for truck and trailer rentals?
Yes, contactless payments via NFC (Apple Pay, Google Pay, physical contactless cards) are supported and increasingly common for truck and trailer rentals. These are usually card-present transactions, which offer enhanced security and often qualify for lower interchange rates compared to manually keyed or card-not-present transactions.
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