The rate or pricing to accept credit card payments at your business could be very complex and confusing. Most of processor banks use Tier Pricing, which starts with a standard pricing for all cards, this is called Qualify Rate. There are different types of cards just to mention some (regular card, debit cards, gift cards, prepay cards, silver cards, gold cards, rewards cards, commercial cards, business cards, international cards etc.) and all of them have different pricing and 65% of the time is way more than the qualify rate, which will generate other pricing like Mid Qualify usually 2.5% and or Non-Qualify which is 3 or 4% on top of your qualify rate.