Electronics Repair Shops.
Repair of consumer and commercial electronics.
- MCC
- 7622
- Category
- Business Services
- Cardflo support
- Yes
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.
Merchants in electronics repair should prioritise in-store, card-present transactions, especially for higher ticket items. Consider implementing card-on-file tokenisation for recurring service agreements or potential future repairs, ensuring customer consent and PCI DSS compliance.
For remote diagnostic fees or advance payments, leverage 3DS2 to shift liability. Given varying ticket sizes, utilise multi-acquirer routing to optimise interchange costs, especially for smaller payments where often a fixed fee component of processing becomes relatively higher.
Keep detailed repair logs, including diagnostics, parts used, and images, as robust evidence against disputes. Be transparent about repair timelines and potential delays.
Acquirer and acquirer assessment stance.
Low-risk standard board. Businesses under this MCC are generally stable.
Standard underwriting and monitoring are sufficient, with no special reserve requirements.
Dispute and chargeback profile.
The primary dispute reason codes for electronics repair are 13.1 / 4853 (services not as described) and 13.3 / 4855 (merchandise/service not received). These often stem from perceived inadequate repair quality leading to re-failure, or delays in returning the repaired item.
To combat these, provide detailed repair invoices itemising parts and labour, obtain customer sign-off on completed work, maintain a clear chain of custody for items, and furnish proof of return delivery or collection, such as signed receipts or courier tracking.
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 7622
- Placement 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.
- Dedicated onboarding manager experienced with B2B and corporate merchants.
Payment methods typically enabled.
Onboarding checklist.
What acquirers typically ask to see when boarding MCC 7622. 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.
- Six months of processing statements or bank statements demonstrating trading pattern.
See also: Know Your Customer (KYC) · high-risk merchant · smart routing.
Talk to an acquiring specialist about your MID setup.
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.
How can electronics repair shops effectively manage chargebacks related to repair quality or delays?
To mitigate chargebacks concerning repair quality, implement a clear warranty policy for all repairs, detailing what is covered and for how long. Document every step of the repair process, including initial fault diagnosis, parts replaced, and post-repair testing.
Obtain customer sign-off on the satisfactory completion of work and ensure all communication regarding repair timelines, especially any delays, is documented and acknowledged by the customer.
Providing proactive updates can significantly reduce customer frustration that might otherwise escalate to a chargeback, even when issues are outside the merchant's immediate control, like part availability.
What payment acceptance strategies should a specialist mobile phone repair centre employ for both quick fixes and complex board-level repairs?
For quick fixes with lower ticket sizes, prioritise efficient contactless and mobile payment options, such as Apple Pay or Google Pay, to minimise queue times and friction. For more complex, higher-value board-level repairs, always opt for card-present transactions with PIN verification.
If a deposit is required for parts procurement, ensure it's processed securely with 3DS2, and advise customers upfront about potential additional costs.
Utilise multi-acquirer routing to ensure optimal processing rates across different transaction values, leveraging acquirer partners who offer competitive pricing for both low and high-value transactions.
Other MCCs in Business Services
Related industries.
Related features.
Related guides.
Ready to improve your payments setup?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.