Overview
MCC 7278 covers buying clubs, shopping services, and membership-based purchasing organisations that charge fees for access to discounted products or curated shopping experiences.
Transaction Profile
Low to mid value, recurring membership fees, predominantly CNP, high auto-renewal rates
Card Network Notes
Networks monitor this category for chargeback ratio compliance. Clear disclosure of membership terms and cancellation rights is required.
Risk & Compliance
Risk is medium. Subscription and membership fee disputes are common chargeback drivers. Some entities in this category have been associated with misleading marketing practices, increasing acquirer scrutiny.