Truck & Utility Trailer Rentals.
Light commercial truck and trailer rental.
- MCC
- 7513
- Category
- Business Services
- Cardflo support
- Yes
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 authorisation 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.
Operators of light commercial truck and utility trailer rentals should configure acceptance by clearly defining rental terms, vehicle condition at handover, and return expectations. Implement 3DS2 for CNP transactions to minimise fraud liability and secure deposits.
Utilise a multi-acquirer strategy to optimise routing based on transaction value and risk profile, especially for longer rental periods where ticket sizes increase. Consider tokenisation for repeat customers, streamlining future bookings and deposit management.
Factor in potential reserve requirements, particularly if operating with a newer licence.
Acquirer and acquirer assessment 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.
Dispute and chargeback profile.
The primary dispute reason codes for this MCC are likely 13.1 / 4853 (services not as described) due to mechanical issues or equipment failures, and 13.6 / 4834 (credit not processed) for deposit refunds.
To counter 'services not as described', provide comprehensive maintenance logs, pre-rental inspection checklists signed by the renter, and evidence of agreed-upon vehicle specifications. For 'credit not processed', supply clear proof of refund processing times and bank statements confirming the credit.
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 7513
- Placement 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.
- Dedicated onboarding manager experienced with B2B and corporate merchants.
Payment methods typically enabled.
Onboarding checklist.
What acquirers typically ask to see when boarding MCC 7513. 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.
- Chargeback ratio and dispute history covering the last six months, including any Visa or Mastercard monitoring-programme status.
See also: Know Your Customer (KYC) · high-risk merchant · smart routing.
Talk to an acquiring specialist about your MID setup.
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.
How can I effectively manage disputes related to vehicle damage post-rental for truck and utility trailer rentals?
To manage damage disputes, implement a rigorous vehicle inspection process both pre- and post-rental, documenting any existing or new damage with time-stamped photographs or videos.
Ensure the rental agreement clearly outlines the renter's responsibility for damage, the damage assessment process, and the authority to charge for repairs. Obtain the customer's signature confirming awareness of the vehicle's condition before rental.
For any post-rental damage charges, provide the customer with detailed repair estimates or invoices, along with photographic evidence, before processing the charge. This clear audit trail is essential for disputing chargebacks.
What payment pre-authorisation strategy minimises risk when taking security deposits for truck and utility trailer rentals?
For security deposits, utilise robust payment pre-authorisation. Authorise a sufficient amount to cover potential excess mileage, damage, or extended rental periods, clearly communicating this to the renter in the terms and conditions.
Ensure your system can hold the pre-authorised funds for the expected rental duration. Upon return, if no additional charges are due, release the pre-authorisation promptly.
If charges apply, convert the pre-authorisation to a sale. For higher-value rentals, consider using a separate, smaller authorisation for the rental fee itself, and a larger, longer-held authorisation for the security deposit, to avoid holding the entire transaction amount for too long.
Other MCCs in Business Services
Related features.
Related guides.
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