Travel & high ticket
High-ticket retail merchant accounts
Commonly assigned MCC
5712 · 5999 · 5533
The category actually assigned is set by the acquirer at boarding and can differ from these.
The short version
A single five-figure transaction carries more exposure than a month of small ones, and made-to-order lead times mean the customer has paid long before anything arrives. Furniture, equipment, custom fabrication and specialist vehicle parts all land here.
Underwriting is mostly about deposit structure and delivery evidence — how much you take upfront, and how you prove the item arrived.
What is actually being priced
What underwriting is looking at.
Ticket concentration
A handful of large disputes can exceed a month's revenue, which is not true in low-ticket retail.
Lead times
Custom manufacturing pushes delivery months past the charge, extending the dispute window.
Freight delivery evidence
Freight and white-glove deliveries produce proof of delivery that does not look like a parcel tracking number.
What we put in place
- Per-transaction limits set to your actual high end, not a default
- Deposit and balance billing with linked authorisations
- Delivery evidence capture built for freight and installation
- Financing partner integrations where you offer instalments
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.
- Average and maximum ticket
- Deposit terms and production lead time
- Proof-of-delivery process
- Processing history including any large disputes
On this account
What a boarded account in this vertical usually carries.
Also in travel & high ticket
Tell us about your high ticket 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.