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The “base” discount rate that merchants are charged on Credit card transactions that are either (A) Card-present sales that are swiped through a POS and the merchant batches out at the end of the day or (B) Card-not-present, and the AVS is provided. Regardless of the method used to submit the transaction, certain card-types will never qualify for the Qualified discount rate, including corporate, signature, rewards, government and some international credit cards. Different processing banks have different account configurations, be sure to speak with an account manager to ensure that you are paying the lowest discount rate available for your transactions.

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