Government-Licensed Horse / Dog Racing (US Region)
Licensed pari-mutuel horse and dog racing (US).
What MCC 7802 covers
Merchant Category Code 7802 is the ISO 18245 identifier used by the card networks for government-licensed horse / dog racing (us region). Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Licensed pari-mutuel horse and dog racing (US). 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 7802 is specific to Government-Licensed Horse and Dog Racing operators in US regions where pari-mutuel wagering on these events is legal. These merchants facilitate betting online or via licensed outlets for racing events.
Transaction patterns involve frequent, generally smaller bets, often with multiple transactions per customer during a race day. Some accounts may hold larger balances for continuous wagering.
Chargeback risk is moderate to high, similar to other regulated gaming. Primary reasons include 'unauthorised transactions' (e.
g. , family fraud, stolen cards), 'processing errors' (e.
g. , incorrect odds applied), or 'disputes' over race outcomes or payout calculations.
Schemes classify this activity under high-risk gambling, which can trigger enhanced monitoring programmes. Cardflo is experienced in supporting regulated sectors, offering tailored solutions for payment processing, fraud prevention, and compliance in the US pari-mutuel racing industry.
Acquirer & underwriting stance
Regulated specialist board. This is a high-risk, regulated industry requiring strict licensing.
Acquirers conduct intensive due diligence and may require substantial financial guarantees. Rolling reserves of 10-20% are common, usually held for 180-365 days, to cover chargeback liabilities and potential regulatory penalties.
How Cardflo handles MCC 7802
- Underwriting with acquirers that actively board MCC 7802 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 compliance requirements does MCC 7802 have when processing payments with Cardflo?
Government-licensed horse and dog racing operators must comply with state-specific regulations, including age verification, geolocation to ensure legal wagering within designated boundaries, and adherence to responsible gambling protocols.
Cardflo provides tools and integrations for these compliance checks, ensuring transaction legality and reducing regulatory exposure for the merchant.
How can Cardflo help manage chargebacks stemming from disputed race outcomes or payout errors?
While race outcome disputes are often handled internally, Cardflo can assist with 'processing error' chargebacks by enabling merchants to provide detailed transaction logs, wagering slips, and official race results.
Our chargeback management tools facilitate the submission of this compelling evidence, supporting the merchant's case during the dispute resolution process.
Are there limits on transaction amounts for horse/dog racing with Cardflo?
Transaction limits are typically set by the card schemes or issuing banks, and often vary due to the high-risk nature of gambling.
While Cardflo does not impose arbitrary limits, our fraud detection system monitors for unusual transaction patterns, which can prompt additional verification steps or velocity checks to prevent fraud and remain within risk tolerance levels.
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Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.