- The card is not present (or not swiped) at the time of purchase
- The card is used for a non-travel payment
- The transaction takes place at a US-based merchant with a US acquirer
- The transaction qualifies for one of the following Visa programs: CPS Card Not Present, CPS E-Commerce Basic or E-Commerce Preferred, CPS Retail/2, or CPS Account Funding
- Level II data requirements aren’t met (missing data or failed edits)
- Merchant Category Code (MCC) cannot be a travel service
Ben Dwyer began his career in the processing industry in 2003 on the sales floor for a Connecticut‐based processor. As he learned more about the inner‐workings of the industry, rampant unethical practices, and lack of assistance available to businesses, he cut ties with his employer and started a blog where he could post accurate information about credit card processing. As the blog gained in popularity, Ben began directly assisting merchants in their search for a processor. Ben believes in empowering businesses by providing access to fair, competitive pricing, accurate information, and continued support. His dedication to transparency and education has made CardFellow a staunch small business advocate in the credit card processing industry.
