How much are downgrades costing you?

Whether you are currently accepting credit cards, or plan on doing so, it is important to know how to save money by avoiding downgrades whenever possible.


High downgrade levels may arise from the way you’re processing your orders. Some of the most common downgrades can be avoided by:


Completely and accurately entering all required card information, including address verification service (AVS) data, where applicable

Submitting transactions for clearing and settlement within optimal interchange rate time frames

Providing a clear understanding of sale and return terms to clients, along with outstanding customer service

Properly inputting and storing order/invoice numbers where applicable

Ensuring transaction authorization and settlement amounts are entered as required for optimal interchange rate fees

Inputting all required data for commercial cards, including customer codes

Questions? Call Us

(407) 331-5465


Every week we'll monitor our customers transaction summaries for recurring downgrades. AMS will notify our customers when a downgrade occurs more than 5 instances during the course of the week. Our goal is to help you reduce or eliminate any extra card acceptance costs from your bottom line.
A downgrade means that a merchant is being charged an increased rate, which could be the result of any number of factors, including: the type of payment card used, the manner in which the transaction was accepted, the timeliness of when the transaction was submitted for clearing, etc.


You can’t always prevent downgrades from happening but AMS can help. Our representatives will take the time to review your downgrades with you to minimize them and gain control over your monthly costs. Visit our section on interchange rates to gain a greater understanding of how you can best qualify your transactions and avoid downgrades.