Furniture, Furniture Repair & Refinishing
Furniture repair, reupholstery and refinishing.
What MCC 7641 covers
Merchant Category Code 7641 is the ISO 18245 identifier used by the card networks for furniture, furniture repair & refinishing. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Furniture repair, reupholstery 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 7641 covers furniture repair, upholstery, and refinishing services. Merchants range from small independent workshops to larger businesses specialising in antique restoration or custom upholstery.
Ticket sizes can vary significantly, from minor touch-ups to extensive re-upholstering or full restoration projects, often representing considerable value. Transaction frequency is generally low per customer.
Chargebacks are not typically high, but disputes can arise from 'Services Not as Described' concerning the quality or finish of the repair, delays in completion ('Merchandise/Service Not Received'), or unexpected costs.
Fraud risk is low due to the bespoke nature of the service and physical interaction.
There are no specific scheme programmes. Cardflo's advanced chargeback tooling enables merchants to submit detailed evidence, including before-and-after photos and signed work agreements, which are crucial for defending quality-related disputes.
Acquirer & underwriting stance
Low-risk standard board. This MCC typically involves direct service delivery and a stable risk profile.
Standard underwriting and monitoring apply without further requirements.
How Cardflo handles MCC 7641
- Underwriting with acquirers that actively board MCC 7641 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 documentation is crucial for furniture repair services to prevent chargebacks?
Crucial documentation includes a detailed written quote or estimate signed by the customer, a signed work order specifying the repair scope, before-and-after photographs of the furniture, and a completion certificate or delivery receipt signed by the customer acknowledging satisfactory service.
This is particularly effective against 'Services Not as Described' disputes.
How can merchants in this MCC manage customer expectations regarding repair timelines and outcomes?
Merchants should provide transparent and realistic timelines, communicating any potential delays proactively. For outcomes, it's vital to discuss expected results clearly – especially the limits of restoration for older items.
Documenting these discussions and getting customer acknowledgement can mitigate disputes related to cosmetic imperfections or unexpected repair duration.
Are there specific payment security considerations for in-home furniture repair or collection/delivery services?
For in-home repairs or at collection/delivery, secure mobile POS devices are essential to process payments safely. Ensure these devices support EMV chip and PIN.
For larger payments, consider offering bank transfer options. Cardflo's flexible acquiring solutions ensure secure transaction processing regardless of the service location or payment method.
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