Most retailers work hard to get the best rates on credit card transactions, but fail to ask about the additional rates that can be 
charged and when they will be charged. Did you know it is estimated that 70% of all credit card transactions are processed at a higher rate than the base rate?
Why, you might ask. Credit cards with ‘points back’ programs are typically charged at a higher rate. Someone has to pay for those points and usually it is the retailer processing the card.
Other things that can raise a rate are things such as not getting address verification information if you have to manually enter a card. Not getting the CVV number if you are accepting online transactions.
Always remember to ask more questions when getting a rate quote on your credit card fees. Find out what the true cost of your transactions will be before you are charged. Here is information on fees for typical businesses that might surprise you – True Cost of Credit.