Overview
MCC 7997 covers private sports clubs, health clubs, fitness centres, and recreational membership organisations. Card payments process monthly subscriptions, joining fees, and ancillary service charges.
Transaction Profile
Mid value, recurring monthly, predominantly CNP, direct debit and card recurring, joining fees and annual memberships
Card Network Notes
Networks require clear disclosure of membership terms, cancellation policies, and auto-renewal conditions. Credential-on-file rules apply for recurring billing.
Risk & Compliance
Risk is medium. Gym and club membership cancellation disputes are a significant chargeback driver. Freezing policies, minimum terms, and auto-renewal practices generate consumer complaints. Business closures leave members with unfulfilled prepaid memberships.