Recurring & direct response
Direct response marketing merchant accounts
Commonly assigned MCC
5964 · 5966 · 5969
The category actually assigned is set by the acquirer at boarding and can differ from these.
The short version
Direct response is a method rather than a category, and it is the method acquirers have the longest memory about. One-click upsells, order bumps and downsell paths all increase the chance a customer sees a charge they do not remember agreeing to.
The operators who stay boarded are the ones whose funnels disclose clearly at each step and whose descriptors match the brand on the page. That is a design problem as much as a compliance one.
What is actually being priced
What underwriting is looking at.
Upsell recall
Charges added after the initial checkout are the single largest source of disputes in this vertical.
Traffic source quality
Affiliate and native traffic can carry claims your own pages do not make, and acquirers hold you responsible for both.
Volume spikes
A campaign that works can multiply volume overnight, which breaches monthly caps and triggers review.
What we put in place
- Multi-MID structures with load balancing so a spike does not breach a cap
- Per-offer descriptors and per-MID reporting
- Funnel and affiliate compliance review before submission
- Chargeback alerts across the major networks with automated refund rules
What underwriting will ask you for
Assemble these before you apply anywhere. The list does not get shorter by waiting, and having it ready is the single biggest thing you control about how long this takes.
- Every live funnel path including upsells and downsells
- Traffic sources and affiliate agreements
- Monthly volume history and expected peak
- Current descriptors and chargeback ratio
On this account
What a boarded account in this vertical usually carries.
Also in recurring & direct response
Tell us about your direct response business.
We will tell you whether a route exists right now, which acquirers are writing the category, and what your file needs before it goes anywhere.