High Visa Transaction FEE at Nova Info through costo.com

[spf]

I have been using Nova as my Merchant account service to process my credit card. In the last several months, I noticed all my Visa transaction were labeled as Non-qualified transaction that is subject to 3.51% discount fee. ouch... Does anyone have the same exprience? Is it true that Visa card has higher chance of hitting non-qualified rate than Mastercard? BTW, I am using Authorize.net as my gateway

[DrByte]

Are you collecting and submitting CVV with your transactions?

[Merlinpa1969]

also remember that NON US cards as well as rewards cards are non qualified,

so while its really kool to wrack up them air miles the merchant gets the shaft

[CobraPlant]

I've been using their services for several years. If you're not collecting CCV, you should at least enter the street number and zip code. I don't use CCV numbers, but as long as I enter the street number and zip code, I get their lower transaction fees.

[spf]

I've been using their services for several years. If you're not collecting CCV, you should at least enter the street number and zip code. I don't use CCV numbers, but as long as I enter the street number and zip code, I get their lower transaction fees.

I do require street adress and zip code, as well as CCV. But I may lower the CCV setting in order to accept American Express card. I don't know if that matters.

[spf]

is card code same as CVV code? Also, I noticed there is a field in Authorize.net: CAVV Result code. All my transactions show as Not applicable. What is CAVV?