2012 Interchange Qualification Guide - … · 2012 Interchange Qualification Guide. QUALIFICATION CATEGORY DEFINITIONS Qualified Rate Transactions that meet all of the requirements

2012 Interchange Qualification Guide

QUALIFICATION CATEGORY DEFINITIONS

Qualified RateTransactions that meet all of the requirements for the merchant’s industry. Merchants will pay the lowest or best discount rate for qualified transactions.

Partially Qualified RateTransactions 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-qualifiedCommercial card transactions that meet some, but not all of the commercial card requirements.

Non-Qualified RateTransactions 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.

CATEGORY TRANSACTION CONDITIONS PRIMARY QUALIFICATIONS

Supermarket Qualified RateVisa: Supermarket (VI SUPRMKT)

MasterCard: Supermarket (MC SUPRMKT)

• Merchant is setup with Supermarket MCC Code• Card must be swiped through the terminal• Must close batch daily• Only one authorization is allowed

Qualified RateVisa: 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• Must close batch daily• Only one authorization is allowed

Partially Qualified RateVisa: 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-Qualified RateVisa: 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

• MasterCard transaction that is processed on a commercial card with sales tax and customer code included

• Tax exempt Visa commercial card transactions

Non-Qualified RateVisa: 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)

Discover Network: Mid-Submission Level (MID SUB R), Base Submission Level (BASE R), Commercial Electronic Submission (ELECT COMM), Commercial Base Submission (BASE COMM)

• 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

Commercial Cards• Sales tax and customer code (supplied

by cardholder) must be entered with transaction

SUPERMARKET MERCHANTS

LODGING MERCHANTSCATEGORY TRANSACTION CONDITIONS PRIMARY QUALIFICATIONS

Qualified RateVisa: 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)

• 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)

Partially Qualified RateVisa: 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)


• Transaction is hand-keyed through terminal• Transactions are settled 24-48 hours following

Check-out (transaction) date• Cardholder uses a Traditional Rewards Card,

Enhanced MasterCard, High Value MasterCard, or a World MasterCard

Non-Qualified RateVisa: 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

Corporate/Purchasing Cards• Commercial Cards will not qualify at lodging

establishments due to requirements by Visa and MasterCard

RETAIL MERCHANTSCATEGORY TRANSACTION CONDITIONS PRIMARY QUALIFICATIONS

Qualified RateVisa: 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

• Must close batch daily

• Only one authorization is allowed

• Authorized transaction amount must match settled/deposit amount

Partially Qualified RateVisa: 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)

Discover Network: Key Entered (K ENTER R), Card Not Present/E-Commerce (CNP/ECOM R), Public Services (PUBLIC R)


• 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,





• Tax exempt Visa commercial card transactions• MasterCard transaction that is processed on a

commercial card with sales tax and customer code included


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)



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


Commercial Cards• Sales tax and customer code (supplied by

cardholder) must be entered with transaction

Salon Merchants• Salon merchants can process tips if they are under

SIC code 7230. 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

RESTAURANT MERCHANTSCATEGORY TRANSACTION CONDITIONS PRIMARY QUALIFICATIONS

Qualified RateVisa: CPS Restaurant (RESTAURANT), CPS Small Ticket (SMALL TKT)

MasterCard: Merit III (MERIT III), Convenience Purchase (CONV PURCH)

Discover Network: Restaurant (RSTRNT R)

• Card must be swiped through the terminal• Must close batch daily• Only one authorization is allowed

Partially Qualified RateVisa: 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)



• Batch was not closed daily, but within 48 hours• More than one authorization is attempted• Cardholder uses a Traditional Rewards Card,


• Visa transaction that is processed on a commercial card with sales tax and customer code included




• Tax exempt Visa commercial card transactions• MasterCard transaction that is processed on a



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)



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

Corporate / Purchasing Cards• Commercial Cards will not qualify at restaurant

locations due to requirements by Visa and MasterCard

MAIL ORDER/TELEPHONE ORDER & E-COMMERCECATEGORY TRANSACTION CONDITIONS PRIMARY QUALIFICATIONS

Qualified RateVisa: 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)

Discover Network: Card Not Present/E-Commerce (CNP/ECOM R)

• Must close batch daily• 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




• Tax-exempt Visa commercial card transactions• MasterCard transaction that is processed on a



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


Corporate/Purchasing Cards• Sales tax and customer code (supplied by card

holder) must be entered with transaction

©2012 copyright Elavon. For merchants prior to 04/2012. Proprietary and confidential.ELV-MSC-1050 Rev 0612

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2012 Interchange Qualification Guide - … · 2012 Interchange Qualification Guide. QUALIFICATION CATEGORY DEFINITIONS Qualified Rate Transactions that meet all of the requirements