Overview
MCC 7321 covers credit reference agencies and consumer credit reporting services. These merchants sell credit reports, credit scores, and credit monitoring subscriptions to consumers and businesses.
Transaction Profile
Low to mid value, recurring subscriptions, predominantly CNP, free-to-paid conversion common
Card Network Notes
Networks monitor subscription practices in this category. Clear disclosure of free trial to paid conversion terms is required.
Risk & Compliance
Risk is medium. Subscription-based services generate chargeback exposure from auto-renewal disputes. The sensitive nature of credit data requires strict data protection compliance.