Postal Services, Government Only
National postal authorities and post offices.
What MCC 9402 covers
Merchant Category Code 9402 is the ISO 18245 identifier used by the card networks for postal services, government only. Acquirers, issuers and regulators use this code to set interchange, scheme fees, fraud rules and reporting categories for every transaction your business processes.
National postal authorities and post offices. 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 9402 is specifically assigned to national postal authorities and post offices, encompassing services such as postage stamps, parcel delivery, P. O.
box rentals, and sometimes financial services like money orders or bill payments. These are often government-owned or quasi-governmental entities.
Ticket sizes are generally small to medium for postage and parcel services, but can be larger for specific express deliveries or financial products. Payment frequency is moderate to high, as postal services are widely used by both individuals and businesses.
Chargebacks are typically very low, mostly arising from service delivery issues (e. g.
, lost mail, delayed parcels) or billing errors. Scheme rules usually classify these as low-risk due to the official nature and high trust.
Cardflo’s reliable processing infrastructure ensures seamless, high-volume transaction handling, supporting the essential public services provided by postal networks.
Acquirer & underwriting stance
Low-risk standard board. These entities are characterized by stable operations, high transaction volumes, and low fraud rates.
No specific reserves are usually expected.
How Cardflo handles MCC 9402
- Underwriting with acquirers that actively board MCC 9402 businesses in your region.
- Surcharge and convenience-fee handling compliant with government-sector rules.
- ACH/eCheck alongside card acceptance for taxpayer and citizen payments.
- Reporting and reconciliation suitable for public-sector audit requirements.
- Settlement timing options that fit treasury and public-finance cycles.
Payment methods typically enabled
Common questions
Do postal services using MCC 9402 qualify for any specific interchange benefits?
Similar to other government/public service categories, postal services can sometimes qualify for preferential interchange rates from schemes, especially for debit card transactions. This encourages the adoption of electronic payments for everyday services.
The benefits would typically be reflected in lower transaction processing fees for the postal service through their acquirer.
What are the common chargeback scenarios for postal services and how are they managed?
Chargebacks for postal services are infrequent. They typically stem from 'service not as described' (e.
g. , delayed or lost parcels), 'duplicate processing' (accidental re-billing), or 'credit not processed' (for refunds).
Effective management involves meticulous tracking of shipments, clear communication of delivery standards, and prompt resolution of customer complaints to prevent escalation to a chargeback. Evidence such as tracking numbers and proof of delivery are key in dispute resolution.
How can Cardflo support a national postal service in modernizing its payment acceptance?
Cardflo offers a highly scalable and secure payment gateway capable of handling the high transaction volumes and diverse payment methods required by national postal services. Our extensive APM coverage, including mobile wallets and Open Banking, allows for convenient payment options for customers.
Our robust reporting and reconciliation tools can also simplify financial operations for large governmental entities.
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