Betting / Casino Gambling
Casino, lottery and gambling transactions.
What MCC 7995 covers
Merchant Category Code 7995 is the ISO 18245 identifier used by the card networks for betting / casino gambling. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
Casino, lottery and gambling transactions. Choosing the right MCC is critical: an incorrect code can lead to higher interchange, surcharges, or, in regulated categories, declined transactions and account holds.
Merchants in this MCC are typically online casinos, sports betting platforms, lotteries, and other forms of regulated gambling. Transaction frequency is high, with a wide range of ticket sizes from very small bets to significant wagers.
Activity often peaks around major sporting events or jackpot draws.
Chargebacks are a notable concern, often due to 'friendly fraud' (cardholder remorse or denial of participation), unauthorised use, or disputes related to bonus terms and payout issues.
Scheme rules are stringent, with robust monitoring programmes like Visa's Integrity Risk Program (IRP) and Mastercard's Excessive Chargeback Program (ECP) actively targeting merchants with high chargeback ratios. Transaction logging and KYC/AML compliance are critical.
Cardflo's acquiring network directly supports regulated gambling, offering MID routing to acquirers specialising in this sector. Our sophisticated chargeback management tools help identify and mitigate schemes like friendly fraud, ensuring merchants meet compliance thresholds and maintain healthy processing relationships.
Acquirer & underwriting stance
High-risk specialist board. Requires extensive KYC/AML checks, robust fraud prevention, and strict adherence to gambling regulations in all operating jurisdictions.
Typically involves rolling reserves of 10-20% for 180 days, depending on licence, history, and risk profile.
How Cardflo handles MCC 7995
- Underwriting with acquirers that actively board MCC 7995 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 are the common reasons for chargebacks in MCC 7995?
Frequent chargeback reasons include 'friendly fraud' where a customer denies a legitimate transaction (Code 10. 4, 4834), unauthorised use (Code 10.
1, 4837), and disputes over game fairness or non-receipt of winnings (Code 13. 1, 4855).
Cardholders may also dispute transactions if bonus terms and conditions were not clearly communicated.
How do scheme programmes like Visa IRP and Mastercard ECP impact gambling merchants?
Visa's Integrity Risk Program (IRP) and Mastercard's Excessive Chargeback Program (ECP) place gambling merchants under intense scrutiny if their chargeback ratios exceed thresholds (typically 0. 9% for Visa and 1.
5% for Mastercard for ECP, with varying thresholds for IRP). Non-compliance can lead to increased fees, mandatory chargeback prevention tools, or ultimately, termination of processing privileges.
Robust fraud and chargeback management are essential.
What specific KYC/AML requirements apply to MCC 7995 transactions?
Gambling merchants must adhere to strict Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations, often requiring identity verification upon registration and before significant withdrawals. This includes verifying age, residential address, and source of funds to prevent fraud, underage gambling, and financial crime.
Enhanced due diligence is common for higher-risk customers or larger transactions.
Ready for velocity?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.