MCC Codes
7349

Cleaning, Maintenance, and Janitorial Services

A guide for underwriters at ISOs and Acquirers onboarding MCC 7349 cleaning and janitorial merchants, covering risk assessment, fraud signals, and the underwriting questions that matter.
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Table of Contents
Overview
Business Types
Payment Processing Info
Key Risks & Concerns
Common Fraud Signals
Example Scenarios
Common Questions
Ongoing Monitoring
Useful Sources

Underwriting Cheat Sheet

If you're underwriting a cleaning, maintenance, or janitorial provider, MCC 7349 concentrates risk around recurring service contracts, upfront deposits, and quality disputes where customers contest charges for work they deem incomplete. Card-on-file billing for absent service drives chargebacks. Here's what to look for.

Key Information

This guide covers cleaning, maintenance, and janitorial services, where recurring contracts, deposits, and quality disputes drive chargeback and card-on-file exposure.

Typical Business Types

Residential Cleaning Services

#1
Recurring home cleaning billed by visit or subscription.

Commercial Janitorial Contractors

#2
Scheduled cleaning for offices and facilities under contract.

Specialty Maintenance Providers

#3
Carpet, window, and pressure cleaning on demand or contract.

Payment Processing Information

Transaction Types

1

Per-Visit Service Charge

Card charged after each completed cleaning.
2

Recurring Subscription Billing

Card-on-file charged on a weekly or monthly cycle.
3

Upfront Deposit

Deposit collected to book a first or deep clean.
4

Commercial Contract Invoicing

Periodic billing under a service agreement.
5

Quality Adjustment Credit

Refund or credit issued for incomplete work.

Common Payment Methods

Credit and Debit Cards - Common for residential and one-time service
Card-on-File Recurring - Stored cards for subscription cleaning
ACH and Bank Transfers - Used for commercial contracts
Digital Wallets - Growing for app-booked residential cleaning
Invoicing Platforms - Net-term billing for business clients

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Key Risks & Concerns

Fraud Risks

  • Quality Dispute Chargebacks - Customers contesting charges for work deemed incomplete
  • Card-on-File Abuse - Recurring charges customers did not authorize
  • Friendly Fraud - Disputes over services that were delivered
  • Subscription Cancellation Disputes - Charges contested after a cancellation request
  • No-Show Service Disputes - Charges where the customer claims no service occurred

Regulatory Challenges

  • State Business Licensing - Permits for cleaning and maintenance operations
  • Bonding and Insurance Requirements - Coverage for in-home and on-site work
  • Labor and Wage Compliance - Worker classification and wage rules
  • Chemical Handling Standards - Safe use of cleaning agents
  • PCI Compliance - Payment card data security

Common Fraud Signals

Heavy Recurring Card-on-File Volume

Large share of revenue from stored-card subscriptions.

Rising Quality Complaints

Increasing disputes over service completeness.

Deposit-Then-Cancel Patterns

Bookings cancelled after deposits are charged.

Example Scenarios and Red Flags

Quality Dispute Chargeback Spike

A jump in disputes claiming incomplete work.

Unauthorized Recurring Charges

Customers reporting charges after cancellation.

No-Show Service Disputes

Charges contested for visits that did not occur.

Subscription Cancellation Friction

Patterns of disputes tied to cancellation difficulty.

Missing Service Records

Charges without proof of completed work.

Common Underwriting Questions

UW Tips Business

  1. Verify business licensing, bonding, and insurance
  2. Confirm operating address and service area
  3. Review worker classification and labor practices

UW Tips Financial

  1. Recognize recurring subscription and contract revenue models
  2. Review demand swings tied to commercial cycles
  3. Assess mix of residential, commercial, and specialty work

UW Tips Risk

  1. Examine chargeback ratios on quality and no-show disputes
  2. Evaluate card-on-file authorization and cancellation handling
  3. Review service completion documentation

UW Questions Business

  1. Do you serve residential, commercial, or specialty cleaning?
  2. What licensing, bonding, and insurance do you carry?
  3. What share of revenue is recurring versus one-time?

UW Questions Payments

  1. What share of billing is card-on-file recurring?
  2. How do you collect and apply deposits?
  3. How are commercial contracts invoiced and paid?

UW Questions Fraud

  1. How do you authorize and manage stored-card billing?
  2. What proof do you keep that service was completed?
  3. How do you handle subscription cancellations?

UW Questions Compliance

  1. Are you PCI compliant and when was your last assessment?
  2. Is your bonding and insurance current?
  3. Do you comply with labor and wage rules?

UW Questions Chargebacks

  1. What is your chargeback ratio and which reasons dominate?
  2. How do you defend quality and no-show disputes?
  3. Do you retain service logs and customer sign-off?

UW Questions Infrastructure

  1. Are scheduling, billing, and field systems integrated?
  2. How do you confirm and log completed visits?
  3. Do you reconcile recurring billing against service?

Ongoing Monitoring

Transaction Monitoring

  • Watch quality dispute and no-show concentration
  • Track recurring card-on-file charge volume
  • Review deposit-then-cancel patterns

Compliance Checks

  • Maintain licensing, bonding, and insurance
  • Keep PCI assessments current
  • Stay current on labor and chemical rules

Security Updates

  • Use tokenization for stored recurring cards
  • Apply clear recurring billing authorization
  • Capture service completion confirmation

Risk Assessment

  • Address quality disputes with completion records
  • Tighten cancellation handling to cut disputes
  • Monitor card-on-file billing against delivered service

Merchant Communication

Help the merchant capture proof of completed visits to defend quality and no-show disputes. Share clear recurring billing and cancellation terms. Support card-on-file authorization practices that reduce unauthorized charge claims.

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Useful Sources

Visa Merchant Data Standards Manual

PCI DSS Quick Reference

ISSA, the Worldwide Cleaning Industry Association

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