Another the answer to consider is PCI Deference. PCI Compliance is the minute card processing industry's program to reduce fraud by compelling merchants to follow their security regulations. Some older terminals are no more PCI compliant and merchants who use those terminals will face heavy fines if their terminals are compromised.
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Although IC Plus pricing offers the greatest savings and the businesses, there are a number exceptions. As an example if you accept 95% personal cards swiped through your credit card terminal, you would be better served by a low 3-Tier sticking. The reason is that it is predict that nearly all the transactions will qualify at the smallest qualified rate and just a few transactions will qualify in the higher mid- and non-qualified rates.
As mentioned before, couple options 440 different Visa/MasterCard/Discover Categories and somebody each checklist of supplies sales transactions to entitled to the lowest possible rate classification. IC Plus Pricing places each transaction ultimately appropriate category and charges the corresponding rate. 1 pricing method does particular. For example, the most common pricing method, 3-Tier, places each transaction according towards processors' needs and wants. The processors prefer placing most transactions globe mid- and non-qualified tiers as opposed to a qualified tier. Yet, these same processors will sell upon the qualified rate tier. This is an example of bait and switch.