Overview
MCC 5511 covers franchised and independent dealerships selling new and used cars and trucks. These merchants typically offer vehicle financing, trade-in valuations, extended warranties, and after-sales service alongside vehicle sales.
Transaction Profile
Very high value, low frequency, card-present for deposits, financing dominant for full purchases, card payment ceilings may apply, trade-in valuations create complex transactions
Card Network Notes
Standard interchange applies. High-value transaction authorisation may require additional verification. Some networks impose per-transaction limits that may not cover full vehicle prices.
Risk & Compliance
Medium risk due to high individual transaction values. Chargebacks can arise from vehicle condition disputes, financing disagreements, and warranty claims. Cooling-off period regulations apply in many jurisdictions. Card payment limits may restrict full vehicle purchases.