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How to manage payment costs

Five best practices to help you manage the cost of card acceptance1


Settle transactions in a timely manner.
Settling transactions daily may lower the risk of disputes and the potential assessment for higher fees.


Utilize address verification service for “card-not-present” transactions.
Card-not-present (CNP) transactions occur when cardholders provide their card number and other information over the phone, internet, fax or mail. Since there is no face-to-face interaction or physical signature, these transactions are higher-risk.


Reduce transaction authorization and settlement amount mismatches.
Variations between authorization and settlement amounts usually trigger additional charges and may cause transactions to be rejected under certain card network rules, unless your business is one that commonly processes tips, such as restaurants, taxis or salons

If you are accepting tips at your business, ensure your terminal allows you to add and adjust them.


Dip cards through a card reader instead of hand-keying.
When a customer presents a chip card for payment, ensure he/she inserts the card into the terminal slot for the chip reader or swipe if the chip card fails. If you must hand-key a transaction, follow any prompts on your payments device to provide additional information requested, such as the cardholder’s zip code or CVV (number on back of the card), which may help reduce the risk of a fraudulent card.


Process commercial card transactions correctly.

Business, corporate and purchasing cards have several value-added features they offer to companies. What you can do:

  • Educate personnel on entering the customer code and sales tax for these transactions.
  • If you are not prompted to enter the customer code and sales tax for a business, corporate or purchasing card, please call Customer Service at 1.800.430.7161 (option 2) to ensure the customer code and tax prompts are activated for your terminal.

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