Motor Home & Recreational Vehicle Rentals
Motorhome and RV rental services.
What MCC 7519 covers
Merchant Category Code 7519 is the ISO 18245 identifier used by the card networks for motor home & recreational vehicle rentals. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Motorhome and RV rental 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 7519 covers Motor Home & Recreational Vehicle (RV) Rentals. This niche typically involves longer rental periods and higher ticket values compared to car or truck rentals, reflecting the significant cost of RVs.
Merchants can range from large fleet operators to private owners listing their RVs. Transactions often involve substantial security deposits and comprehensive rental agreements.
Chargeback risk can be high due to the high value of the rentals, the complexity of the vehicles, and potential disputes over mechanical issues, cleanliness, damage, or hidden fees. 'Services Not Rendered' (e.
g. , RV not available) or 'Services Not as Described' are common, especially regarding the condition or amenities of the RV.
The high-value nature can also attract fraudsters. Fraud monitoring is critical.
Cardflo's sophisticated fraud detection and prevention suite, integrated with its acquiring network, is essential for RV rental businesses. The ability to monitor transactions in real time and apply dynamic fraud rules helps protect against high-ticket fraud and mitigate financial losses associated with these significant rentals.
Acquirer & underwriting stance
High-risk specialist board. High ticket values, potential for significant damage claims, and often longer rental periods contribute to increased risk.
A rolling reserve of 5-10% is common due to the exposure.
How Cardflo handles MCC 7519
- Underwriting with acquirers that actively board MCC 7519 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
What unique fraud risks are associated with high-value RV rentals in MCC 7519?
High-value transactions like RV rentals attract fraudsters who may use stolen card details for substantial bookings, potentially with no intention of returning the vehicle. Risk factors include last-minute bookings, mismatched billing/shipping addresses, and rentals by new customers.
Robust fraud scoring and manual review for high-risk transactions are vital.
How long can a pre-authorisation be held for an RV rental security deposit?
The maximum duration for holding a pre-authorisation varies by scheme and issuer, but typically ranges from 7 to 30 days.
For longer RV rentals, merchants may need to use an incremental authorisation model or initiate a fresh authorisation to cover the full duration and associated security deposit. This must be managed carefully to avoid technical declines and customer inconvenience.
Does Cardflo offer any specific tools for managing inventory and rentals for RV businesses?
While Cardflo doesn't offer specific inventory or rental management software, its payment gateway integrates with many third-party property management systems (PMS) and booking platforms that cater to RV rentals.
This allows for seamless payment processing as part of a broader rental management workflow, ensuring transactions are correctly linked to bookings and inventory.
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