2012 Interchange Qualification Guide
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- Darren Howard Wells
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1 2012 Interchange Qualification Guide
2 QUALIFICATION CATEGORY DEFINITIONS Transactions that meet all of the requirements for the merchant s industry. Merchants will pay the lowest or best discount rate for qualified transactions. Partially Transactions that meet some, but not all of the specific requirements for the merchant s industry. Merchants will pay a higher rate for partially qualified transactions. Commercial Non-qualified Commercial card transactions that meet some, but not all of the commercial card requirements. Non- Transactions that do not meet other specific requirements for the merchant s industry. Merchants will pay a higher rate for non-qualified transactions. For descriptions and definitions of Card Association Fees, please visit tellmemore.elavon.com/info.
3 SUPERMARKET MERCHANTS Supermarket Visa: Supermarket (VI SUPRMKT) MasterCard: Supermarket (MC SUPRMKT) Merchant is setup with Supermarket MCC Code Card must be swiped through the terminal Only one authorization is allowed Visa: CPS Retail (CPS RETAIL), Retail Check Card (RETAIL D) MasterCard: Merit III (MERIT III), Convenience Purchase (CONV PURCH) Discover Network: Supermarket/Warehouse Clubs (SPRMKT R) Merchant is not eligible for the Supermarket MCC Code Card must be swiped through the terminal Only one authorization is allowed Partially Visa: CPS Card Not Present (CPS CRD NP), CPS E-commerce Basic (ECOM BASIC), CPS E-commerce Preferred (ECOM PREF), Retail Key Entered (CPS KEYED), International Electronic (INTL ELECT), GSA Large Ticket (GSA LG TKT), Commercial Card Levels II & III (US COMM L2/US CORP L2/USCOMML2 P, COMM L3 C / COMM L3 P), CPS Rewards 1 (REWARDS 1), CPS Rewards 2 T&E (REWDS2 T&E) MasterCard: Key Entered (KEY ENTERD), Merit I(MERIT I), Electronic Commerce (MCUSMRUCAF/ MCUSFULUCF), Corporate Data Rate III (C DATA III ), International Corporate Purchasing (INTL PURCH), Data Rate II (CDATA II P/F/C), Corporate Large Ticket (CORP LG TK), World MC Supermarket (MCW SUPRMK), Enhanced Supermarket (ENH SMKT), High Value Merit III (HV MERIT3), High Value Supermarket (HV SUPRMK), High Value Warehouse (HV WRHS), High Value E-commerce (HVFULLUCAF / HV MR UCAF) Discover Network: Key Entered (K ENTER R), Card Not Present/E-Commerce (CNP/ECOM R) Transaction is hand-keyed with Address Verification (AVS) Batch was not closed daily, but within 48 hours More than one authorization is attempted Visa transaction that is processed on a commercial card with sales tax and customer code included Cardholder uses a Traditional Rewards Card, Enhanced MasterCard, High Value MasterCard, or a World MasterCard Commercial Non- Visa: Commercial Retail (COM RET C/ COM RET P/ COM RET B), Commercial Not Present (COMM CNP C/ COMM CNP P/ COMM CNP B), Commercial Business to Business (COM B2B C/ COM B2B B/ COM B2B P), Signature Preferred Card Not Present (VSP CNP), Signature Preferred Retail (VSP RTL), Signature Preferred B2B (VSP B2B) MasterCard: Corporate Data Rate II (CDATA II B/CDATA II C/ CDATA II P/ CDATA II F), Corporate Face to Face (FACE-FACEB/FACE-FACEC/FACE-FACEP/FACE-FACEF) Non- Visa: EIRF (EIRF), Standard (CONS STND), Commercial Travel/Commercial Electronic (COMMTRVL P / COM ELEC B / COMMTRVL C) & Standard (STND CORP / STND PURCH / STND BUS), Signature Electronic (SIGN EIRF) & Standard (SIGN STND), Infinite Electronic (SIGN EIRF) & Standard (SIGN STND), Express Payment Services (EXP PYMT), CPS Rewards 2 (REWARDS 2), Signature Preferred Electronic (VSP ELEC), Signature Preferred Standard (VSP STND) MasterCard: Standard (STANDARD), International Standard (INTL STND), Corporate Data Rate I (C DATA I), Corporate Standard (CORP STND), International Corporate (CORP INTL), International Corporate Purchasing (INTL PURCH), Enhanced Merit I (ENH MERITI), Enhanced Key Entered (ENH KEYED), World Merit 1 (MCWMERIT1), World Key-Entered(MCW KEYED), High Value Key-Entered(HV KEYED), High Value Merit 1(HV MERIT1), High Value Standard(HV STND) Visa transaction that meets the qualified criteria, but does not meet the sales tax/ customer code requirement MasterCard transaction that is processed on a commercial card with sales tax and customer code included Tax exempt Visa commercial card transactions Transaction is hand-keyed without AVS Batch was not closed until 72 hours after authorization Transactions approved via voice authorization and/or force MasterCard Commercial card used without sales tax and customer card being entered Cardholder uses a World Elite, World Business, or World Elite Business Card Discover Network: Mid-Submission Level (MID SUB R), Base Submission Level (BASE R), Commercial Electronic Submission (ELECT COMM), Commercial Base Submission (BASE COMM) Commercial Cards Sales tax and customer code (supplied by cardholder) must be entered with transaction
4 LODGING MERCHANTS Visa: CPS Hotel (CPS HOTEL) & Car Rental (CPS CAR), CPS Retail (CPS RETAIL) MasterCard: Merit III (MERIT III) Discover Network: Hotel/Car Rentals (HOTL/CAR R) Partially Visa: CPS Rewards 1 (REWARDS 1), CPS Rewards 2 T&E (REWDS2 T&E), International Electronic (INTL ELECT) MasterCard: Key Entered (KEY ENTERD), Merit I (MERIT I), Electronic Commerce (MCUSMRUCAF/ MCUSFULUCF), World MC Merit III (MCW MERIT3), World MC Convenience Purchase (MCWCONPURC), Enhanced Merit III (ENH MER 3),Enhanced Convenience Purchase (ENH CONVPR), High Value Merit III (HV MERIT3), High Value E-commerce (HVFULLUCAF / HV MR UCAF), Travel Industries Premier Service (PREMIER-L / PREMIER-V) Card must be swiped through terminal Increment authorizations allowed Settled amount must be within 15% of authorization amount Transaction Date = Check-out Date Check-in/out dates included Folio number Settled within ONE day of check-out (transaction date) Transaction is hand-keyed through terminal Transactions are settled hours following Check-out (transaction) date Cardholder uses a Traditional Rewards Card, Enhanced MasterCard, High Value MasterCard, or a World MasterCard Discover Network: Key Entered (K ENTER R), Card Not Present/E-Commerce (CNP/ECOM R) Non- Visa: EIRF (EIRF), Standard (CONS STND), Commercial Travel/Commercial Electronic (COMMTRVL P / COM ELEC B / COMMTRVL C) & Standard (STND CORP / STND PURCH / STND BUS), Signature Electronic (SIGN EIRF) & Standard (SIGN STND), Infinite Electronic (SIGN EIRF) & Standard (SIGN STND), CPS Rewards 2 (REWARDS 2), Signature Preferred Electronic (VSP ELEC), Signature Preferred Standard (VSP STND) MasterCard: Standard (STANDARD), International Standard (INTL STND), Corporate Standard (CORP STND), International Corporate (CORP INTL), International Corporate Purchasing (INTL PURCH), World MC Card T&E (WORLD CARD), Enhanced Merit I (ENH MERITI), Enhanced Key Entered (ENH KEYED), World Merit 1 (MCWMERIT1), World Key-Entered(MCW KEYED), High Value Key-Entered(HV KEYED), High Value Merit 1(HV MERIT1), High Value Standard(HV STND),High Value T&E(HV T&E), Corporate T&E III(CORP T&E3C/CORP T&E3B/CORP T&E3P/CORP T&E3F), Corporate T&E II(CORP T&E2C/CORP T&E2B/CORP T&E2P/CORP T&E2F), Corporate T&E I(CORP T&E1C/CORP T&E1B/CORP T&E1P/ CORP T&E1F), High Value T&E Large Ticket(HVT&ELGTKT) Check-in/out dates are missing Folio number is missing Settled amount is more than 15% of the authorization amount Settled more than 48 hours following Check-out (transaction) date Business/Corporate/Purchasing Card accepted Transaction approved via voice authorization Cardholder uses a World Elite, World Business, or World Elite Business Card Discover Network: Mid-Submission Level (MID SUB R), Base Submission Level (BASE R), Commercial Electronic Submission (ELECT COMM), Commercial Base Submission (BASE COMM) Corporate/Purchasing Cards Commercial Cards will not qualify at lodging establishments due to requirements by Visa and MasterCard
5 RETAIL MERCHANTS Visa: CPS Retail (CPS RETAIL), Retail Check Card (RETAIL D) MasterCard: Merit III (MERIT III), Convenience Purchase (CONV PURCH), Service Industries (SVC RECURR), Petroleum (PET AFDSVC), High Value Service Industries (HV SVCINDS) Discover Network: Retail (RETAIL R), Petroleum (PETROL R), Emerging Markets (EMERGING R) Card must be swiped through the terminal Only one authorization is allowed Authorized transaction amount must match settled/ deposit amount Partially Visa: CPS Retail 2 (RTL2 CP), CPS Card Not Present (CPS CRD NP), CPS E-commerce Basic (ECOM BASIC), CPS E-commerce Preferred (ECOM PREF), Retail Key Entered (CPS KEYED), GSA Large Ticket (GSA LG TKT), Commercial Card Levels II & III (US COMM L2/US CORP L2/USCOMML2 P, COMM L3 C / COMM L3 P), International Electronic (INTL ELEC), CPS Rewards 1 (REWARDS 1), CPS Rewards 2 T&E (REWDS2 T&E) MasterCard: Key Entered (KEY ENTERD), Merit I (MERIT I), Electronic Commerce (MCUSMRUCAF/ MCUSFULUCF), Corporate Data Rate III (C DATA III ), International Corporate Purchasing (INTL PURCH), Corporate Large Ticket (CORP LG TK), World MC Merit III (MCW MERIT3), World MC Convenience Purchase (MCWCONPURC), Enhanced Convenience Purchase (ENH CONVPR), Enhanced Merit III (ENH MER 3), High Value Merit III (HV MERIT3), High Value Petroleum (HV PETRO / HVPETROMAX), High Value Convenience Purch(HV CONPURC), High Value E-commerce (HVFULLUCAF / HV MR UCAF) Transaction is hand-keyed with Address Verification (AVS) Batch was not closed daily, but within 48 hours More than one authorization is attempted Visa transaction that is processed on a commercial card with sales tax and customer code included Cardholder uses a Traditional Rewards Card, Enhanced MasterCard, High Value MasterCard, or a World MasterCard Discover Network: Key Entered (K ENTER R), Card Not Present/E-Commerce (CNP/ECOM R), Public Services (PUBLIC R) Commercial Non- Visa: Commercial Retail (COM RET C/ COM RET P/ COM RET B), Commercial Not Present (COMM CNP C/ COMM CNP P/ COMM CNP B), Commercial Business to Business (COM B2B C/ COM B2B B/ COM B2B P), Signature Preferred Card Not Present (VSP CNP), Signature Preferred Retail (VSP RTL), Signature Preferred B2B (VSP B2B) MasterCard: Corporate Data Rate II (CDATA II B/CDATA II C/ CDATA II P/ CDATA II F), Corporate Face to Face (FACE-FACEB/FACE-FACEC/FACE-FACEP/FACE-FACEF) Non- Visa: EIRF (EIRF), Standard (CONS STND), Commercial Travel/Commercial Electronic (COMMTRVL P / COM ELEC B / COMMTRVL C) & Standard (STND CORP / STND PURCH / STND BUS), Signature Electronic (SIGN EIRF) & Standard (SIGN STND), Infinite Electronic (SIGN EIRF) & Standard (SIGN STND), Express Payment Services (EXP PYMT), CPS Rewards 2 (REWARDS 2), Signature Preferred Electronic (VSP ELEC), Signature Preferred Standard (VSP STND) MasterCard: Standard (STANDARD), International Standard (INTL STND), Corporate Data Rate I (C DATA I), Corporate Standard (CORP STND), International Corporate (CORP INTL), International Corporate Purchasing (INTL PURCH), World MC Card T&E (WORLD CARD), Enhanced Merit I (ENH MERITI), Enhanced Key Entered (ENH KEYED), World Merit 1 (MCWMERIT1), World Key-Entered(MCW KEYED), High Value Key-Entered(HV KEYED), High Value Merit 1(HV MERIT1), High Value Restaurant(HV REST), High Value Standard(HV STND),High Value T&E(HV T&E), Corporate T&E III(CORP T&E3C/CORP T&E3B/ CORP T&E3P/CORP T&E3F), Corporate T&E II(CORP T&E2C/CORP T&E2B/CORP T&E2P/CORP T&E2F), Corporate T&E I(CORP T&E1C/CORP T&E1B/CORP T&E1P/CORP T&E1F), High Value T&E Large Ticket(HVT&ELGTKT) Discover Network: Mid-Submission Level (MID SUB R), Base Submission Level (BASE R), Commercial Electronic Submission (ELECT COMM), Commercial Base Submission (BASE COMM) Commercial Cards Salon Merchants Visa transaction that meets the qualified criteria, but does not meet the sales tax/customer code requirement Tax exempt Visa commercial card transactions MasterCard transaction that is processed on a commercial card with sales tax and customer code included Transaction is hand-keyed without AVS Batch was not closed until 72 hours after authorization Transactions approved via voice authorization and/ or force MasterCard Commercial card used without sales tax and customer card being entered Cardholder uses a World Elite, World Business, or World Elite Business Card Sales tax and customer code (supplied by cardholder) must be entered with transaction Salon merchants can process tips if they are under SIC code The limit is 25% on MC for transactions greater than $25. There is no limit on transactions less than $25, no limit on Visa check card and 20% on Visa Credit Cards. Discover Network has 20% tip limit
6 RESTAURANT MERCHANTS Visa: CPS Restaurant (RESTAURANT), CPS Small Ticket (SMALL TKT) MasterCard: Merit III (MERIT III), Convenience Purchase (CONV PURCH) Card must be swiped through the terminal Only one authorization is allowed Discover Network: Restaurant (RSTRNT R) Partially Visa: CPS Card Not Present (CPS CRD NP), CPS E-commerce Basic (ECOM BASIC), CPS E-commerce Preferred (ECOM PREF), Retail Key Entered (CPS KEYED), CPS Rewards 1 (REWARDS 1), CPS Rewards 2 T&E (REWDS2 T&E), International Electronic (INTL ELECT) MasterCard: Key Entered (KEY ENTERD), Merit I (MERIT I), Electronic Commerce (ENHFULUCAF/ENH MRUCAF), Corporate Data Rate III (C DATA III), International Corporate Purchasing (INTL PURCH), Corporate Large Ticket (CORP LG TK), World MC Merit III (MCW MERIT3), World MC Convenience Purchase (MCWCONPURC), Enhanced Convenience Purchase (ENH CONVPR), Enhanced Merit III (ENH MER 3), High Value Merit III (HV MERIT3), High Value Convenience Purch(HV CONPURC), High Value E-commerce (HVFULLUCAF / HV MR UCAF) Discover Network: Key Entered (K ENTER R), Card Not Present/E-Commerce (CNP/ECOM R) Transaction is hand-keyed with Address Verification (AVS) Batch was not closed daily, but within 48 hours More than one authorization is attempted Cardholder uses a Traditional Rewards Card, Enhanced MasterCard, High Value MasterCard, or a World MasterCard Visa transaction that is processed on a commercial card with sales tax and customer code included Commercial Non- Visa: Commercial Retail (COM RET C/ COM RET P/ COM RET B), Commercial Not Present (COMM CNP C/ COMM CNP P/ COMM CNP B), Commercial Business to Business (COM B2B C/ COM B2B B/ COM B2B P), Signature Preferred Card Not Present (VSP CNP), Signature Preferred Retail (VSP RTL), Signature Preferred B2B (VSP B2B) MasterCard: Corporate Data Rate II (CDATA II B/CDATA II C/ CDATA II P/ CDATA II F), Corporate Face to Face (FACE-FACEB/FACE-FACEC/FACE-FACEP/FACE-FACEF) Visa transaction that meets the qualified criteria, but does not meet the sales tax/customer code requirement Tax exempt Visa commercial card transactions MasterCard transaction that is processed on a commercial card with sales tax and customer code included Non- Visa: EIRF (EIRF), Standard (CONS STND), Commercial Travel/Commercial Electronic (COMMTRVL P / COM ELEC B / COMMTRVL C) & Standard (STND CORP / STND PURCH / STND BUS), Signature Electronic (SIGN EIRF) & Standard (SIGN STND), Infinite Electronic (SIGN EIRF) & Standard (SIGN STND), Express Payment Services (EXP PYMT), CPS Rewards 2 (REWARDS 2), Signature Preferred Electronic (VSP ELEC), Signature Preferred Standard (VSP STND) MasterCard: Standard (STANDARD), International Standard (INTL STND), Corporate Data Rate I (C DATA I), Corporate Standard (CORP STND), International Corporate (CORP INTL), International Corporate Purchasing (INTL PURCH), World MC Card T&E (WORLD CARD), Enhanced Merit I (ENH MERITI), Enhanced Key Entered (ENH KEYED), World Merit 1 (MCWMERIT1), World Key-Entered(MCW KEYED), High Value Key-Entered(HV KEYED), High Value Merit 1(HV MERIT1), High Value Restaurant(HV REST), High Value Standard(HV STND),High Value T&E(HV T&E), Corporate T&E III(CORP T&E3C/CORP T&E3B/CORP T&E3P/CORP T&E3F), Corporate T&E II(CORP T&E2C/CORP T&E2B/CORP T&E2P/CORP T&E2F), Corporate T&E I(CORP T&E1C/CORP T&E1B/CORP T&E1P/CORP T&E1F), High Value T&E Large Ticket(HVT&ELGTKT) Discover Network: Mid-Submission Level (MID SUB R), Base Submission Level (BASE R), Commercial Electronic Submission (ELECT COMM), Commercial Base Submission (BASE COMM) Corporate / Purchasing Cards Transaction is hand-keyed without AVS Batch was not closed until 72 hours after authorization Transactions approved via voice authorization and/or force Business/Corporate/Purchasing Card transaction Cardholder uses a World Elite, World Business, or World Elite Business Card MasterCard Commercial card used without sales tax and customer card being entered Commercial Cards will not qualify at restaurant locations due to requirements by Visa and MasterCard
7 MAIL ORDER/TELEPHONE ORDER & E-COMMERCE Visa: CPS Card Not Present (CPS CRD NP), CPS E-commerce Basic (ECOM BASIC), CPS E-commerce Preferred (ECOM PREF), Commercial Card Levels II & III (US COMM L2/US CORP L2/USCOMML2 P, COMM L3 C / COMM L3 P) MasterCard: Merit I (MERIT I), Electronic Commerce (MCUSMRUCAF/ MCUSFULUCF), Corporate Data Rate III (C DATA III), International Corporate Purchasing (INTL PURCH), Corporate Large Ticket (CORP LG TK), Convenience Purchases (CONV PURCH), Service Industries (SVC RECURR), High Value Full UCAF(HVFULLUCAF), High Value Merchant UCAF(HV MR UCAF), High Value Service Industries(HV SVCINDS) Transaction is hand-keyed with Address Verification (AVS) Provide invoice number with every transaction Ship all merchandise within 7 days of purchase Visa transaction that is processed on a commercial card with sales tax and customer code included Discover Network: Card Not Present/E-Commerce (CNP/ECOM R) Commercial Non- Visa: Commercial Retail (COM RET C/ COM RET P/ COM RET B), Commercial Not Present (COMM CNP C/ COMM CNP P/ COMM CNP B), Commercial Business to Business (COM B2B C/ COM B2B B/ COM B2B P), Signature Preferred Card Not Present (VSP CNP), Signature Preferred Retail (VSP RTL), Signature Preferred B2B (VSP B2B) MasterCard: Corporate Data Rate II (CDATA II B/CDATA II C/ CDATA II P/ CDATA II F), Corporate Face to Face (FACE-FACEB/FACE-FACEC/FACE-FACEP/FACE-FACEF) Visa transaction that meets the qualified criteria, but does not meet the sales tax/customer code requirement Tax-exempt Visa commercial card transactions MasterCard transaction that is processed on a commercial card with sales tax and customer code included Non- Visa: EIRF (EIRF), Standard (CONS STND), Commercial Travel/Commercial Electronic (COMMTRVL P / COM ELEC B / COMMTRVL C) & Standard (STND CORP / STND PURCH / STND BUS), Signature Electronic (SIGN EIRF) & Standard (SIGN STND), Infinite Electronic (SIGN EIRF) & Standard (SIGN STND), Express Payment Services (EXP PYMT), CPS Rewards 2 (REWARDS 2), Signature Preferred Electronic (VSP ELEC), Signature Preferred Standard (VSP STND) MasterCard: Standard (STANDARD), International Standard (INTL STND), Corporate Data Rate I (C DATA I), Corporate Standard (CORP STND), International Corporate (CORP INTL), International Corporate Purchasing (INTL PURCH), World MC Card T&E (WORLD CARD), Enhanced Merit I (ENH MERITI), Enhanced Key Entered (ENH KEYED), World Merit 1 (MCWMERIT1), High Value Merit 1(HV MERIT1), High Value Standard(HV STND) Transaction is hand-keyed without AVS Batch not closed daily Transactions approved via voice authorization and/ or force MasterCard Commercial card used without sales tax and customer card being entered Cardholder uses a World Elite, World Business, or World Elite Business Card Discover Network: Mid-Submission Level (MID SUB R), Base Submission Level (BASE R), Commercial Electronic Submission (ELECT COMM), Commercial Base Submission (BASE COMM) Corporate/Purchasing Cards Sales tax and customer code (supplied by card holder) must be entered with transaction
8 2012 copyright Elavon. For merchants prior to 04/2012. Proprietary and confidential. ELV-MSC-1050 Rev 0612
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