{"id":11864,"date":"2025-01-16T09:55:52","date_gmt":"2025-01-16T13:55:52","guid":{"rendered":"https:\/\/cybercommunications-pr.com\/~acceptapayments\/?p=11864"},"modified":"2025-01-16T10:05:36","modified_gmt":"2025-01-16T14:05:36","slug":"interchange","status":"publish","type":"post","link":"https:\/\/acceptapayments.com\/es\/interchange\/","title":{"rendered":"Las rebajas de intercambio y c\u00f3mo evitarlas"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"11864\" class=\"elementor elementor-11864\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbc90c6 e-flex e-con-boxed e-con e-parent\" data-id=\"fbc90c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38f9292 elementor-widget elementor-widget-text-editor\" data-id=\"38f9292\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The word \u201c<strong>downgrade<\/strong>\u201d is generally defined as \u201cto reduce or diminish\u201d, but it has a particular meaning regarding payment processing transactions that most people might not be familiar with.<\/p><p>As a merchant, it\u2019s important for you to know what an\u00a0<strong>Interchange Downgrade<\/strong>\u00a0is and how it can impact your profits.<\/p><p>Once you understand what these credit card transaction downgrades are, you can better avoid them and prepare your business for lower credit card processing fees.<\/p><p>In this article, we define Interchange Downgrades and offer some of the best practices for avoiding them\u2014and saving some money in the process!<\/p><h5><strong>WHAT DOES INTERCHANGE MEAN?<\/strong><\/h5><p>Simply put, an \u201c<strong>interchange<\/strong>\u201d is a fee that credit card brands charge for processing credit or debit card transactions.<\/p><p>The rate charged by the brands depends on the industry segment, the brand of the card, type of card, and whether the transaction was performed face-to-face, online, or entered manually.<\/p><p>There are hundreds of Interchange categories in the US and and they vary by each card brand.<\/p><h5><strong>WHY DO INTERCHANGE DOWNGRADES HAPPEN?<\/strong><\/h5><p>Some downgrades are related to the processing device or software, but most are due to how the transactions are authorized and settled.<\/p><p>The way your business performs transactions, and the tools you use in the process, affect the likelihood of Interchange downgrades. Below are some of the potential causes for downgrades:<\/p><ul><li>Using outdated terminal software<\/li><li>Differing authorization and settlement amounts\u00a0<\/li><li>Address verification system (AVS) errors<\/li><li>Tips and Tax are not entered separately from the total<\/li><li>Settled amounts don\u2019t match the original amounts<\/li><li>\u00a0Batch is not settled within 48 hours of\u00a0authorization.<\/li><\/ul><h5><strong>AVOIDING INTERCHANGE DOWNGRADES\u00a0<\/strong><\/h5><p>Addressing the issues in the previous section is one way to avoid interchange downgrades.\u00a0<\/p><p>Another way to avoid them is to work with a Merchant Account Provider that offers reliable operational solutions designed to minimize risks and errors.<\/p><p>Choosing a reliable provider that offers first-rate equipment and services is a great way to avoid unethical fees and billing.<\/p><p>Here are some examples of features that can help:\u00a0<\/p><ul><li>Insist on having AVS for every manual input transaction.<\/li><li>Use Smart Terminals that seamlessly updates its software.<\/li><li>Use transaction systems that have separate, dedicated fields for sale tax and tips.<\/li><li>Opt for a provider who caters to your specific needs with diverse pricing options and best practices.<\/li><li>Set up automatic daily batches to avoid unintentionally settling beyond the 48-hour timeframe.<\/li><\/ul><p style=\"text-align: center;\">At Accepta, we offer assessment and consultation to help you find the cause of your business\u2019 interchange downgrades.<\/p><p style=\"text-align: center;\">For more information, contact our team at\u00a0<a href=\"tel:7877741555\">(787) 774-1555<\/a>\u00a0or visit us at\u00a0<a href=\"https:\/\/acceptapayments.com\/es\/\">www.acceptapayments.com<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>The word \u201cdowngrade\u201d is generally defined as \u201cto reduce or diminish\u201d, but it has a particular meaning regarding payment processing transactions that most people might not be familiar with. As a merchant, it\u2019s important for you to know what an\u00a0Interchange Downgrade\u00a0is and how it can impact your profits. Once you understand what these credit card [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11865,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":34,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11864","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"featured_image_src":"https:\/\/acceptapayments.com\/wp-content\/uploads\/2025\/01\/Interchange-Downgrades-and-How-to-Avoid-Them-accepta.png","featured_image_src_square":"https:\/\/acceptapayments.com\/wp-content\/uploads\/2025\/01\/Interchange-Downgrades-and-How-to-Avoid-Them-accepta.png","author_info":{"display_name":"admin","author_link":"https:\/\/acceptapayments.com\/es\/author\/accepta\/"},"_links":{"self":[{"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/posts\/11864","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/comments?post=11864"}],"version-history":[{"count":0,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/posts\/11864\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/media\/11865"}],"wp:attachment":[{"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/media?parent=11864"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/categories?post=11864"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acceptapayments.com\/es\/wp-json\/wp\/v2\/tags?post=11864"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}