Electronics Repair Shops
Repair of consumer and commercial electronics.
What MCC 7622 covers
Merchant Category Code 7622 is the ISO 18245 identifier used by the card networks for electronics repair shops. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Repair of consumer and commercial electronics. 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 7622 represents electronics repair shops, including computer, mobile phone, and general consumer electronics repair. Ticket sizes can vary from low-value screen repairs to high-value component replacements.
Transaction frequency is generally low per customer, driven by specific repair needs. Most transactions are conducted in-store.
Chargebacks are typically low, but disputes can arise from perceived inadequate repair quality ('Services Not as Described'), non-delivery of repaired items within expected timescales ('Merchandise/Service Not Received'), or unexpected additional charges.
Fraud risk is relatively low due to the physical nature of transactions and item exchange.
There are no specific scheme monitoring programmes for this MCC. Cardflo's robust chargeback tooling helps merchants manage disputes effectively by providing detailed transaction and service rendering evidence, which is crucial for proving that repairs were completed satisfactorily.
Acquirer & underwriting stance
Low-risk standard board. Businesses under this MCC are generally stable.
Standard underwriting and monitoring are sufficient, with no special reserve requirements.
How Cardflo handles MCC 7622
- Underwriting with acquirers that actively board MCC 7622 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 evidence is best for defending chargebacks for electronics repairs?
To defend chargebacks, merchants should provide detailed repair logs, before-and-after photos or videos of the device, signed customer work orders, and clear descriptions of services performed and parts used.
Customer signatures acknowledging successful repair and receipt of the item are also highly effective, particularly for 'Services Not as Described' disputes.
Are there particular considerations for offering extended warranties or service plans through the payment system?
When offering extended warranties or service plans, it's essential to clearly separate these charges from the initial repair service on the transaction receipt.
If these are recurring, ensure proper card-on-file handling and provide explicit terms and conditions for cancellation to prevent disputes under 'Recurring Transaction Cancelled' (Reason Code 4834) or 'Credit Not Processed'.
How can electronics repair shops minimise 'Merchandise/Service Not Received' chargebacks?
Minimising 'Merchandise/Service Not Received' chargebacks requires clear communication regarding repair timelines and pick-up/delivery confirmations. For shipped items, use trackable delivery services and retain proof of delivery.
For in-store collections, obtain a customer signature acknowledging receipt of the repaired item. Cardflo's dispute resolution tools can assist in submitting this evidence efficiently.
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