As shown in your Merchant Agreement Charges Schedule, your transactions may incur a non-qualifying charge.
Depending on the type of card used and how you take the payment, your transactions will be categorised as qualifying or non-qualifying.
Card Present
Qualifying transactions are:
- Chip-and-PIN, contactless, and swiped transactions submitted for processing within two business days or the transaction
Non-qualifying transactions are:
- A card not present (CNP) transaction, e.g. manually entering the card details into the card machine
Card Not Present MOTO
Qualifying transactions are:
- MOTO transactions that capture the Card Security Code (CSC) submitted for processing within two business days of the transaction
Non-qualifying transactions are:
- Transactions that do not capture the card's CSC number
- Payment with an EU or International Mastercard or Maestro Card, Mastercard Reward, World Elite or World Cards, and Debit Mastercard
- Payment with a Visa Business Debit Card or International Visa Card
Card Not Present eCommerce
Qualifying transactions are:
- 3D secure enabled eCommerce transactions submitted for processing within two business days of the transaction
Non-qualifying transactions are:
- MOTO, face-to-face (card present) or recurring transactions
- Payment with a Visa Consumer Charge Card
- Payment with Mastercard World Signia and World Cards