The operators behind the MCC.
Evaluation and challenge fees
One-time and recurring challenge fees for funded-trader evaluation programs.
Funded-trader platforms
Programs paying out funded traders from firm capital, with card acceptance on the intake side.
Trading education and tools
Courses, communities and tooling sold alongside evaluations.
How card networks classify this vertical.
Typical ranges from our MCC catalogue: indicative, not a quotation. Reviewed 30 October 2026. The acquirer makes the final code assignment and sets final terms.
| MCC | Description | Risk tier | MDR (IC++) | Rolling reserve |
|---|---|---|---|---|
| 6211 | Security Brokers & Dealers, Forex, CFD, Stock | High-risk | 0.5% - 5% | 5% - 15% |
Not sure which code applies? Run the 60-second MCC lookup.
What actually decides your file.
Classification is not automatic
Not every prop-firm model is coded like a broker. The MCC depends on what the cardholder actually buys (an evaluation service, education, or brokerage access) and the acquirer makes the determination. Expect the underwriter to look hard at your terms and payout mechanics.
Refunds and chargebacks decide the file
Failed-challenge refund requests and does-not-recognize disputes are the dispute profile of this vertical. Clear pre-purchase terms, visible refund rules and a recognizable descriptor carry most of the defense.
You are not a regulated broker, and that matters
A prop firm trading firm capital is a different underwriting conversation from a CySEC or FCA brokerage holding client money. Positioning the model accurately, with the documents to prove it, is what gets the file approved.
The BZNpay playbook for prop trading.
01
Model documentation
Terms of the evaluation, refund policy, payout mechanics and jurisdiction restrictions, packaged the way underwriters review them.
02
Dispute-control evidence
Consent logs, clear descriptors and refund UX documented before the first chargeback, not after.
03
Specialist matching
Acquirers in the network whose policies cover the funded-trader model explicitly, by market and volume.
What partners typically ask prop trading merchants for.
- Evaluation terms and refund policy
- Payout mechanics documentation
- Country restriction list
- UBO declarations
- Processing history if any
Send what you have; we tell you plainly what is missing. KYB documents are requested after qualification, through a secure channel, and underwriting decisions rest with the acquiring partner.
Free tools for your file:
MCC lookupChargeback risk calculatorReason codesLicense lookupGlossaryHigh-risk guideProp Trading questions.
Do acquirers treat prop firms like forex brokers?
Not automatically. A prop firm selling evaluations is a different model from a regulated broker holding client funds, and the MCC assignment depends on the transaction and the acquirer’s determination. The underwriting conversation turns on your terms, refund policy, payout mechanics and jurisdiction restrictions.
What should a prop firm prepare before applying?
Company incorporation documents, UBO declarations, financials, your evaluation terms and refund policy, payout mechanics, any country restrictions you enforce, and your processing history if you have one. A clean dispute record moves terms more than anything else.
What terms should a prop firm expect?
In our catalogue, brokerage-coded merchants under 6211 typically carry 0.5 to 5% MDR IC++ with rolling reserves of 5 to 15%, but prop-firm classification varies by model and the final code and terms are set by the acquirer. Treat any range as indicative, not a quotation.
Get your prop trading file in front of the right acquirer.
Tell us about your business. Qualified files typically come back within 24 hours with 2 or 3 partners whose appetite fits, confidential by default.
Assess my prop firm →Also placed every week.
iGaming
Sportsbooks, casinos, poker, DFS. Licensed operators in regulated and newly regulating markets.
Crypto and Web3
Exchanges, on-ramps, wallets, NFT marketplaces. Card acceptance for MiCA-compliant operators.
Forex and CFDs
FX brokerage, CFDs, prop firms. Complex structures, clean settlement.
Travel and OTAs
Airlines, booking platforms, DMCs. Solutions for chargeback exposure and cross-border volume.
Digital Entertainment and Creator Economy
Subscription platforms, content networks, creator payouts. High AOV merchants welcome.
Subscriptions and Digital
SaaS, streaming, gaming, dating. Recurring billing with descriptor and dunning optimization.
Dating
Mainstream and niche platforms, with compliant checkout and anti-fraud controls.
Nutraceuticals and CBD
Supplements, wellness, jurisdiction-compliant CBD retail.