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4816High RiskTechnology & Digital
Computer network/information services
Merchant classification for Computer network/information services.
Interchange Group
E-Commerce Retail
Chargeback Threshold
0.9% (Visa/MC)
Underwriter Note
Digital goods are prone to friendly fraud and "did not receive" disputes.
Mitigation Strategy
Track server-side activations, user IP footprints, and require rigorous terms acceptance.
Other Codes in Technology & Digital
7379 — Computer maintenance, repair and services7372 — Computer programming, data processing, and integrated systems design services5734 — Computer software stores5045 — Computers and computer peripheral equipment and software5817 — Digital goods - applications (excludes games)5816 — Digital goods - games5818 — Digital goods - large digital goods merchant5815 — Digital goods media - books, movies, digital artwork/images, music
Recommended Solutions
This MCC is monitored more closely by card networks. Getting the classification right at underwriting helps avoid downstream chargeback-ratio flags.
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