Hello everyone,
I've been using Authorize.net now for just about three weeks.
Got my first statement from my processor and am very upset to see that I'm getting charged almost 4% for a lot of transactions - because it falls under the non-qualified rate. The whole reason I moved to a merchant account was to make it worthwhile to move away from PayPal - but all of the fees put together are costing a substantial amount more than that service.
Anyways, I'm reading and getting conflicting information on how to reduce these non-qualified rates.
I've read that if I pass in a PO number and a customer ID number, that it will stop the non-qualified rates. Other places say this isn't the case and nothing can be done to solve it.
We are mostly a business-to-business company - and therefore 75% or more of our transactions are from businesses. The payment processor said that anytime a business credit/debit card is used or a purchase card (P-Card), I will be charged those non-qualified rates.
This seems an exceptional amount to process these payments. PayPal is lower cost in these cases at 2.9% and 30 cents per transaction.
So, does anyone know of a way to help prevent those non-qualified rates from occurring? Should passing in a PO number and a customer ID offset these? I just added these to my checkout system last night after getting my statement and doing some research - but I'd like to try to be as proactive as I can to stop these fees from happening if possible.
Thank you!
Brian S.
