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Travel
MCC 4411
Steamship and Cruise Lines
high Risk
Risk Assessment
This MCC requires specialized acquirers. Expect higher processing rates, rolling reserves, and stricter underwriting requirements.
Industry Notes
High value transactions with significant advance booking period
What This Means For You
Processing Rates
Higher rates typical. Expect 3.5-8% depending on vertical, volume, and chargeback history.
Reserve Requirements
10-15% rolling reserve common with 90-180 day holdback periods. Negotiable with good history.
PSP Availability
Mainstream PSPs typically decline. We work with 15+ specialized acquirers for this category.
Approval Timeline
Full underwriting required. 2-6 weeks typical.
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