Why do I keep getting mid-qual and non-qual fees?

Mid-qual fees are assessed for keying-in transactions on merchant accounts that are expecting card swipe data, and vice versa. This downgrade fee is passed on to you from the card associations.

Non-qual fees are assessed for multiple reasons:

  • AVS is not turned on for keyed transactions. 
  • Transactions are not batched/settled within 24 hours.
  • Corporate, rewards, or frequent flyer mileage credit cards usually pass the cost of these rewards programs on to the merchant as a non-qual fee.

Note:

To help reduce fees, please be sure to batch your transactions within 24 hours (By default, PayJunction accounts are set to settle automatically), and that AVS is turned on for non-swiped or keyed transactions.

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