In business today every penny counts towards your bottom line, like most busy business owners or manager you probably don't think to much about your credit card payment processing. As a result you may be paying too much for your processing rates and fees to accept credit cards at your business.

You could be paying hundreds of dollars more on transactions because they downgrade into the Mid and Non Qualified transactions which are typically 1% to 2.9% higher than your regular Qualified processing rate, costing business owners from 5% to up to 8% of the total amount of the sale, now that's a lot of money. 

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Some of the factors that influence why a transaction is downgraded to either a Mid or Non Qualified rate is if it is not batched out within 48 hours, if its a Phone Order, Card Not present , Internet Mail Order,  Telephone Order, International or Government and Corporate Cards are all non qualified rates. 

As you may well know there are many different levels of interchange, most banks just dump everything into one rate, now with the TBDC program pay just 3/100ths of one percent over interchange cost the same low rate the big companies like Wal-Mart receives. Just a rate reduction from 1.89% to 1.59% rate with a business processing $10,000 a month the savings in the processing rate alone is $60 a month and $720 a year savings.