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.


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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