Overview
MCC 7322 covers debt collection agencies and services that process card payments for outstanding debts on behalf of original creditors. These businesses collect overdue consumer and commercial debts, including medical bills, utility arrears, credit card debt, and loan defaults. The code applies to both traditional collection agencies and modern digital debt resolution platforms.
Transaction Profile
Variable value, moderate frequency, card-not-present dominant, recurring payment plans common, dispute-prone
Card Network Notes
Visa and Mastercard classify MCC 7322 as a restricted category with enhanced monitoring requirements. Some issuers apply additional transaction controls. Compliance with debt collection regulations is mandatory for acquirer onboarding.
Risk & Compliance
High risk. Collection agency transactions carry significant chargeback and regulatory risk. Consumers may dispute charges claiming the debt is invalid, already paid, or not owed. Strict regulatory frameworks (FDCPA in the US, FCA in the UK) govern collection practices. Acquirers must ensure merchants comply with all applicable debt collection regulations and maintain clear documentation of debt validity. Reputational risk is elevated.