Travel & high ticket
Moving and relocation merchant accounts
Commonly assigned MCC
4214
The category actually assigned is set by the acquirer at boarding and can differ from these.
The short version
Moving companies collect a deposit against a written estimate, then the actual weight, access or hours differ and the final bill does not match. That gap is where the disputes come from, and it is a category-wide pattern rather than a merchant-specific one.
Underwriting looks at your estimating process and your operating authority, because both predict how often that gap opens.
What is actually being priced
What underwriting is looking at.
Estimate-to-final gap
Binding versus non-binding estimates change the dispute profile more than anything else in the file.
Deposit timing
Money taken weeks before the move sits in the same future-delivery exposure as travel.
Damage claims
Damage disputes arrive as chargebacks when the claims process is slow, regardless of who was at fault.
What we put in place
- Card and ACH acceptance for deposits, balances and claims settlements
- Mobile card acceptance for payment taken at the door on move day
- Signed-estimate capture that carries into representment
- Descriptor and receipt configuration that matches the trading name
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.
- USDOT and MC authority
- Binding or non-binding estimate process
- Deposit policy and refund terms
- Claims handling process and history
On this account
What a boarded account in this vertical usually carries.
Also in travel & high ticket
Next
AdultTell us about your moving 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.