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.

Corporate cards for smarter spend

Up to 2% high cashback and full control in one place.

Get Started

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.

Easily Identify Every Charge with Slash

See exactly where, when, and how each charge occurred, complete with merchant names, payment types, and connected team cards with Slash’s detailed card logs and expense tracking tools.