MCC 6540: Non-FI, Stored Value Card Purchase & Load
MDR (IC++)
0.5% - 5%
Markup over interchange + scheme
Rolling reserve
5% - 15%
Typical 180-day hold
Risk tier
High-risk
Typical acquirer treatment
Non-FI, Stored Value Card Purchase & Load.
High-risk codes are declined outright by most mainstream acquirers. Placement runs through specialists who underwrite the vertical knowingly, and terms track the strength of the file.
Acquiring notes.
Stored-value load is treated as quasi-financial activity: acquirers check e-money permissions or program-manager arrangements behind the product, and screen for the fraud patterns that follow prepaid value. Velocity controls and load limits are usually underwriting conditions rather than suggestions here.
Figures are typical ranges from the BZNpay MCC catalogue, not an offer. The acquiring bank makes the final code assignment and sets final terms. BZNpay places merchants in this category: one qualified file brings back 2 or 3 acquirers whose appetite covers it, typically within 24 hours.
MCC 6540 questions.
Who assigns MCC 6540?
Your acquiring bank assigns the MCC during underwriting, based on your business description and, increasingly, site-crawl and checkout review. The card networks define the list of codes and the rules for each one.
What does MCC 6540 cost to process under?
In our catalogue, 6540 typically carries an MDR of 0.5% - 5% IC++ (markup over interchange and scheme fees) with a rolling reserve of 5% - 15%. Where you land in the band depends on licensing where applicable, financials, and chargeback history. Final terms are set by the acquirer.
Can I process under a different, lower-risk code?
No. Operating under an MCC that does not match your actual business is miscoding, which card networks detect and punish with termination plus MATCH-list placement. If you believe your current code genuinely misrepresents your business, an acquirer can review and re-code.