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Originally Posted by scoreman
Steve, I havent gotten much of an answer from a few different folks I have asked, so let me ask you. What are the parameters that VISA uses to determine if a transaction is qualified or nonqualified? We see the breakdown in our statements from HMS and in looking over the info the consumer provided, it looks very arbitrary as to what is Q and what is NQ.
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If your accountis classified as 5967 (High Risk - membership) Visa says they will NQ all transactions while MasterCard is not yet doing that. For non-5967 account there are many things that can cause a transaction to go NQ. examples:
card type - govt / corp / foreign cards will usually go NQ
some "rewards" cards will also fall into this category.
If your batch is not closed for 48 hours all trasactions in the batch will downgrade.
If you would like I would be happy to have someone on my end look at your statement and see what we can come up with.
Steve