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Seeing a MCA SERVICING charge on your statement?

Common ways MCA SERVICING charges might appear on your statement

  • MCA SERVICING DES:XXXXX43863 ID:PAYXXXXX3143778 IN
  • MCA SERVICING DES:XXXXX43863 ID:PAYXXXXX3144113 IN
  • MCA SERVICING DES:XXXXX43863 ID:PAYXXXXX3144358 IN
  • MCA SERVICING DES:XXXXX43863 ID:PAYXXXXX3144608 IN
  • MCA SERVICING DES:XXXXX43863 ID:PAYXXXXX3145574 IN

What is MCA Servicing?

MCA SERVICING is a generic ACH descriptor used for merchant cash advance (MCA) repayment processing. It does not refer to a specific company and is commonly used by MCA funders and processors when debiting or crediting repayment-related transactions.

Common causes for MCA SERVICING charges

  • ACH debits for scheduled merchant cash advance repayments.
  • Processing or servicing fees tied to an MCA agreement.
  • Adjustments, corrections, or reconciliation credits from the servicer.
  • Batch-processed withdrawals by third-party MCA payment processors.

Decoding MCA SERVICING charge tags

  • MCA SERVICING is the generic merchant identifier used for MCA-related ACH debits or credits.
  • DES:XXXXX43863 is a processor-assigned descriptor code that typically identifies the ACH batch or originator.
  • ID:PAYXXXXX3143### is an internal payment or transaction reference generated by the ACH originator.
  • IN is the standard two-letter location code in the descriptor, often reflecting the originating bank or processor’s registered location.
  • Additional numeric suffixes represent batch numbers, tracking IDs, or sequence identifiers used by the processor.

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What to do if you don’t recognize this charge

Spot, verify, and resolve suspicious charges in minutes.

  • Contact your bank.

    Call your bank using the number on the back of your card.

  • Contact the merchant.

    Call their customer service to verify the charge and get transaction details.

  • Dispute the charge & monitor account.

    If it appears fraudulent, report it to your bank or card issuer.

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