The operators behind the MCC.
SaaS and software
B2B and consumer SaaS under MCC 7372 and 5817, including free-trial-to-paid flows.
Memberships and clubs
Continuity and subscription merchants under MCC 5968, from content to clubs.
Subscription commerce
Recurring physical boxes and hybrid digital-physical offers.
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 |
|---|---|---|---|---|
| 5968 | Direct Marketing, Continuity & Subscription Merchants | Elevated | 0.5% - 3% | 5% - 10% |
| 7372 | Computer Programming, Integrated Systems, Data Processing | Standard | 0.2% - 1.5% | 3% - 7% |
Not sure which code applies? Run the 60-second MCC lookup.
What actually decides your file.
Cancellation UX is dispute control
Cancelled-recurring chargebacks (Visa 13.2, Mastercard 4841) are the signature dispute of this vertical, and a poor cancellation flow is their leading cause. Scheme rules require a clear, easily accessible cancellation path.
Trials invite misrepresentation claims
Free-trial-to-paid flows are the classic trigger for misrepresentation disputes (Visa 13.5), the hardest cardholder-dispute code to win. Clear pre-purchase terms and consent logs are the defense.
Involuntary churn is a payments problem
Reissued cards kill recurring charges. Account Updater (VAU and ABU) and correct MIT flagging keep subscriptions alive, and we set both up as part of go-live.
The BZNpay playbook for subscriptions and digital.
01
Scheme-compliant billing
CIT and MIT flags, recurring indicators and stored-credential consent implemented to the letter of the scheme rules.
02
Descriptor and dunning optimization
Recognizable descriptors, soft-decline retry logic and Account Updater to cut both disputes and churn.
03
Dispute playbooks
Cancellation logs, consent records and prior-charge history packaged per reason code before you need them.
What partners typically ask subscriptions and digital merchants for.
- Trial and cancellation flow screenshots
- Recurring billing consent records
- Dunning and retry policy
- UBO declarations
- Churn and dispute record
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 guideSubscriptions and Digital questions.
What drives subscription chargebacks?
Mostly cancelled-recurring disputes (Visa 13.2, Mastercard 4841), driven by poor cancellation UX, and misrepresentation claims (Visa 13.5) from unclear trial terms. Both are preventable with the right flow design, and defensible with the right records.
Which MCC will we get?
Continuity and subscription merchants sit under 5968, with typical MDR of 0.5 to 3% and reserves of 5 to 10% in our catalogue. Pure SaaS can sit under 7372 at 0.2 to 1.5% with 3 to 7% reserves. The acquirer assigns the code of your primary revenue stream.
Can you help lift our approval rates on renewals?
Yes. Account Updater enrollment, correct MIT flagging, retry logic that respects soft versus hard declines, and BIN-level routing after go-live.
Get your subscriptions and digital 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.
Evaluate recurring billing →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.
Dating
Mainstream and niche platforms, with compliant checkout and anti-fraud controls.
Nutraceuticals and CBD
Supplements, wellness, jurisdiction-compliant CBD retail.
Prop Trading
Funded-trader programs and evaluation fees, underwritten on the strength of the compliance file.