Automotive Paint Shops
Specialty automotive paint and refinishing.
What MCC 7535 covers
Merchant Category Code 7535 is the ISO 18245 identifier used by the card networks for automotive paint shops. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Specialty automotive paint and refinishing. 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 7535 covers automotive paint shops, specialising in vehicle refinishing. Transactions here are typically high-ticket with low frequency, often project-based and tied to insurance claims or customisation.
Services require significant labour and material costs.
Chargebacks, while not frequent, can be complex, often stemming from 'services not as described' (e. g.
, paint mismatch, poor finish, defects appearing post-service). Good communication, detailed estimates, and quality control are paramount.
There are no specific scheme-category programmes for this MCC.
Cardflo's robust payment gateway and chargeback management platform enable these merchants to accept large payments securely and efficiently compile evidence for any disputes, such as before-and-after photos and customer sign-offs.
Acquirer & underwriting stance
Low-to-medium risk standard board. The high ticket size warrants careful monitoring, but the nature of the industry means transactions are generally legitimate.
Standard underwriting processes apply.
How Cardflo handles MCC 7535
- Underwriting with acquirers that actively board MCC 7535 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 is key for automotive paint shops (MCC 7535) to defend against 'services not as described' chargebacks?
Crucial evidence includes a detailed, signed estimate outlining the scope of work and materials. High-resolution photographs or videos documenting the vehicle's condition before, during, and after painting provide irrefutable proof of service.
Customer sign-off upon completion, acknowledging satisfaction with the work, is also highly valuable. Maintain all communication records between the shop and the customer.
Are instalment payments common or recommended for high-value paint jobs (MCC 7535)?
Instalment payments can be beneficial for high-value paint jobs, making services more accessible to customers. However, they introduce complexity.
Each instalment should be clearly defined and consented to by the customer. Disputes can arise if subsequent payments are contested.
Ensuring clear terms, using recurring payment features with robust notifications, and confirming customer consent for each payment can mitigate such risks. Using a `card-on-file` tokenisation service is advised.
How do insurance claims impact payment processing for MCC 7535 merchants?
Many transactions for MCC 7535 are insurance-related. This can involve payments directly from insurance companies (often via check or bank transfer) or co-payments/deductibles from the customer.
For customer card payments, standard processing applies. Shops must ensure transparent billing that aligns with insurance estimates to avoid customer disputes over final charges, as discrepancies can lead to chargebacks.
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