AIO Wireless
Brad Dolan 12/5/2012
AIO Dealer Payment Processing Guide
RQ4 v4.12.1
1-866-iQmetrix | www.iQmetrix.com
Table of Contents
Welcome Message .........................................................................................................................................................2
Processing Options ........................................................................................................................................................3
Existing RQ4 Integrated Processing Customers ........................................................................................................6
RQ4 Payment Operations Guide ...................................................................................................................................7
How do I Set up a Workstation ..................................................................................................................................7
VeriFone Hardware ...............................................................................................................................................7
RQ4 Signature Capture ..........................................................................................................................................7
Payment Integration Settings .................................................................................................................................9
Chase Paymentech Setup ..................................................................................................................................... 10
Elavon Setup ........................................................................................................................................................ 11
Performing a swipe credit/debit signature sale ........................................................................................................ 12
Performing a Pin Debit sale ..................................................................................................................................... 17
Performing a Manual Entry Credit/Debit Signature Sale ........................................................................................ 19
Performing a Phone Authorization .......................................................................................................................... 20
Performing a Refund ............................................................................................................................................... 21
Voiding a partially paid invoice............................................................................................................................... 21
Closing and Reconciling your Batch (Paymentech, Heartland) ............................................................................... 23
Column Overview: .................................................................................................................................................. 25
Reconciling your Batch (Auto-batching) ................................................................................................................. 26
Column Overview: .................................................................................................................................................. 26
Glossary of Terms ....................................................................................................................................................... 28
Appendix A ................................................................................................................................................................. 29
Card Association and Assessment Fee Definitions.............................................................................................. 29
Additional information can be found in the following documents from Elavon: ................................................ 31
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Welcome Message
Hello and welcome to the AIO/RQ4 payment processing guide. The purpose of this document is to outline the
choices you have for your payment processing needs and proper operation of the RQ4 point of sale system. iQmetrix
is integrated to several payment processing companies and is pleased to provide you with options for your merchant
needs. If you are a current RQ4 merchant you can continue using the processor and setup you enjoy today. If you are
new to RQ4 we have outlined the options for merchant processing in the Processing Options section of this
document.
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Processing Options

No Contract- Our Month-to-Month agreement ensures we earn your business month after month.

Hardware Collection- Reduce your losses in equipment costs for broken service contracts (no cost for this
service)

Transparent Pricing- Our pass-through pricing processes your transactions at the lowest possible
qualifying rate.

Resource Online- ROL is our Best-In-Class Award winning proprietary reporting tool designed directly
from our merchant’s recommendations. Our Resource Dashboard allows merchants to quickly and easily
track their business activity.

In House Support- From authorization to statement reconciliation, Chase Paymentech handles all your
needs under one company without outsourcing.

Single Point of Contact- Your account rep will walk you through every step of the setup process.

Extremely low Cost Plus pricing- Interchange Pass-through plus 5bps (basis points) and $0.08 per
transaction.

Free Hardware Collection Setup

Free Resource Online Reporting

No Application Fee

No Monthly/Yearly PCI compliance fees
For setup or a comparison to your existing processor, contact
Jeff Hodge
214-849-3665
Jeff.Hodge@chasepaymentech.com
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In an increasingly complex business landscape, Elavon is your global source for innovative payment
solutions—the one company that clients and partners everywhere trust to securely and reliably manage their
payments business. Whatever you need and wherever you need it, we deliver innovative and secure solutions to
help you increase revenues, decrease costs, and sharpen your competitive edge.
More than 1 million merchants trust Elavon to efficiently and securely manage their payments business. We
extend powerful payment solutions, flexible connectivity, and effective fraud monitoring tools to customers
around the globe—from smaller retail merchants to national retailers, as well as large organizations in segments
such as hospitality, healthcare, and the public sector.
Elavon provides end-to-end payment processing services to merchants and financial institutions in the United
States, Puerto Rico, Canada, Mexico, and throughout Europe. Our payment products are supported by the most
reliable network in the world. We handle every aspect of the acquiring relationship—transaction processing,
risk and underwriting, settlement, equipment deployment, chargeback management, reporting, and customer
service. Our customers can also count on us to keep their payment processing compliant with changing payment
security requirements.
Contact:
Denise Atkinson
Denise.Atkinson@elavon.com
(800) 226-9332 ext. 8177
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Elavon Service Transaction processing fees include:
Interchange Pass-Thru Pricing: All Visa®, MasterCard®, Discover® Card, Unionpay, American Express, and
debit network authorization and Interchange fees, assessments, dues and other fees and charges are passed to
Merchant at cost.
DESCRIPTION
Charge
DESCRIPTION
Charge
MasterCard/Visa/Discover Rate
0.00%
MasterCard/Visa/Discover Auth Fee
$0.090
PIN Debit Rate + Debit Network Fees
0.00%
PIN Debit Auth Fee + Debit Network Fees
$0.090
American Express Auth Fee (Existing SE #’s)
$0.100
Voice Auth (touchtone)
$0.750
Voice – Operated Assisted
$0.900
Voice – AVS
$0.900
Voice – Bank Referral
$4.000
Set-Up Fee (one time per location)
$35.00
Monthly Min. Processing Fee
Waived
Chargeback Fee
$15.00
PCI Compliance Service Fee (per location)
$4.000
Non-validation PCI Compliance Fee
$34.95
Card Imprinter (optional)
$22.00
On-line with Case Management (OMC)
$5.00
Paper Statements (optional)
$10.00
Rush Fee (per relationship)
$40.00
Return Item (NSF) Fee
$20.00
American Express One Point (>500K)
Merchant Supplies
By Order
SRS Annual Fee 1099 (per relationship)
2.89%
$0.10
$34.00
For more information on Elavon see Appendix A
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Existing RQ4 Integrated Processing Customers
Customers who are already using RQ4 and integrated payment processing may continue to leverage existing
relationships with integrated processors. You will need to obtain new MID’s for each physical location and a
terminal ID for each workstation where you will take payments. Contact the representatives listed below to discuss
your options for carrying over your agreements:
Elavon Contact:



Denise Atkinson
Denise.Atkinson@Elavon.com
(800) 226-9332 ext. 8177
Paymentech Contact:



Jeff Hodge
214-849-3665
Jeff.Hodge@chasepaymentech.com
Heartland Contact:



Derik Richards
Derik.reichards@e-hps.com
877.798.9656 ext. 4707
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RQ4 Payment Operations Guide
How do I Set up a Workstation
VeriFone Hardware
Download and unzip VeriFone’s USB Drivers.zip from iQmetrix support site (http://support.iqmetrix.com).
Make sure the device is NOT plugged in to the computer.
In the unzipped folder you will find 2 folders:
For 32 bit operating system:
a. Win7-Vista-XP-(Embedded) 32bit USB Driver
i. Inside you will find usb_installvfi_3_1.zip, unzip this file
1. After unzipping the file go to that folder and run usb_installvfi_3_1.msi
5) For 64 bit operating system:
a. Win7-Vista-XP-(Embedded) 64bit USB Driver
i. Inside you will find usb_installvfi64_1_0.zip, unzip this file
1. After unzipping the file go to that folder and run usb_installvfi64_1_0.msi
1)
2)
3)
4)
6) After successful installation of the driver plug in the device and wait for Windows to complete the
installation.
RQ4 Signature Capture
After installing the hardware drivers you will need to setup your RQ4 workstation to use the device. Proceed to
Settings\Workstation
Settings\Signature Capture.
Select the VeriFone MX915
from the drop down. Check
off Enable Magnetic Stripe
Reader and then proceed to
the pin pad settings section.
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Pin pad settings will load the defaults except for the com port. This is determined when you connect the VeriFone
device for the first time. To check on the com port setting, navigate to Device Manager in Windows. The VeriFone
device will be listed as MX800 Family POS Terminal with the com port number next to it as seen in the image
below.
Set the com port setting in RQ4 to match what is listed here and save the settings. Once this is completed the test pin
pad button will enable and you can check on connectivity. If the test is successful move to the next section and load
the forms to the device by clicking the Load Device Forms button (image 1). This process may take a few minutes.
Once the process has completed you can then click the Test button to capture a signature.
Your device is now configured!
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Payment Integration Settings
Once you receive your merchant account from one of the processors at the start of this document you will need to
enter the information into RQ4. The processor will give you a “VAR” or “tear” sheet for each physical location with
your account details. This tells the RQ4 system where funds should be directed. The processor maintains the link
between your merchant account batch and your bank account. Your processor representative can help you when
entering the credentials in RQ4. Because the processors produce the account detail sheets we cannot guarantee they
will always have the same appearance or order for information.
To enter the credentials proceed to Settings/Workstation Settings/Payment Integration. Check off the enabled check
box to activate the workstation. Select your payment provider (Paymentech, Elavon, or Heartland) from the drop
down to reveal the settings for that provider. For all providers ensure that the swipe device selected is the VeriFone
MX 915.
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Chase Paymentech Setup
There are 2 options for Chase Paymentech as a provider, “Paymentech” and “Paymentech Auto Batching” are the
options and there are subtle differences between them:
Paymentech (US)

No Pin Debit support

Terminal capture setup for the merchant account

Batch data is held at iQmetrix until rep closes the terminal and batches out from RQ4

Payments that are missing invoices are automatically dropped when the batch is closed

Batches will not close without rep intervention, authorizations not batched can be lost after 3-5 days
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Paymentech Auto Batching

Full Pin Debit support

Host capture is setup for the merchant account

Batch data is held at Paymentech until a set time each night when the batch closes

Reconciliation is required for overages (payments without linked invoice)
o

User will need to verify the batch total at Paymentech matches RQ4
No extra work required to close out the batch
Elavon Setup
Elavon has a single setup selection and is configured for auto batching. Each terminal must have a unique number
and the RQ4 system will enforce this. If you need to re-use a terminal number the system will ask for manager
override permissions and record the override for reporting. If you use the same terminal number on multiple
machines transactions may overwrite each other and cancel the payments!
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Performing a swipe credit/debit signature sale
Once you have completed adding items you will progress to the tender screen. The system will display the invoice
total to the user on the signature capture device.
The consumer/customer must acknowledge the total before the system will allow you to proceed to payment. If the
customer is unable to accept you can click the “Get verbal approval” link on the status window. This will be logged
with your employee information for reporting and security purposes.
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Once the customer has agreed to the invoice products and cost you must select a payment type for the invoice.
Multiple payment types can be used to complete the invoice. Select the credit payment type and the full remaining
amount of the invoice will appear next to the selected type. You can chose to leave this amount or adjust it when
using multiple payment types.
If you need to fix the payment amounts you can click the grey X next to the payment amount to remove it. Then
continue to add payments until the full amount of the invoice is entered. When a credit or debit card payment has
been approved the grey X button will disappear. At that point you must cancel the invoice to refund the money to
the customer. (See Voiding a Partially Paid Invoice)
Once the amount is set click the Tender button to proceed to the next step. For a credit or debit signature payment
the system will present the swipe screen below as well as light up the signature capture device to show the customer
that they should now swipe their card.
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The system will show you information about the device connection and card information on the status window.
The display will show the information below:
o
o
Connecting to device
When the card holder should swipe
o
o
Confirmation of the card number
Processing screen is shown
o
Next payment
o
o
Customer to sign for payment
Approve the signature (verify the signature matches the back of the card) (click OK)
o
o
Tendering Invoice displays (invoice is being saved)
Print/email the receipt
RQ4 Screen Display
VeriFone MX915 Display
Once the customer swipes the card you must click OK to proceed. The screen below gives you a chance to verify the
name on the card matches the data read from the magnetic stripe. The card holder name and last four digits of the
card are displayed.
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After clicking OK the system will process the card showing the
pin wheel while the system waits for a response.
The signature device will show the customer the response
the system receives either approved or declined.
If the payment is approved the system will ask the customer to sign the device for each different card/amount
entered on a particular sale. This signature is captured and secured in the system for later reference.
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When the customer has finished signing the device they will
click continue and the signature will present in the status
window. You must verify that the signature they provided
matches the signature on the back of the card. If you believe
it matches click Confirm. If you want them to sign again
click Reset and the system will present the customer with
another signature window.
Once you have confirmed the signature for the final payment the invoice will save to the database you should see the
image below.
When the invoice has completed the status window will present you with options for the invoice. You can choose to
email, print the invoice or exit the sale.
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Performing a Pin Debit sale
A Pin Debit transaction will operate is the same manner as a credit sale. The only change is that the customer must
enter their debit pin code on the signature device. In order to process a pin debit payment you must select the Debit
payment type. The full amount of the invoice will appear next to the debit payment type. You can adjust this amount
for multiple payment types. Following the credit sale flow the user will swipe their card and then system will then
ask the user to input their pin. The following screens will appear after the customer has swiped their debit card.
The customer has now swiped the pin debit card and the system
is waiting for you to click OK. You should confirm the last four
digits and name are the same as the front of the card.
After clicking the OK button the system will display a prompt the customer to enter their pin on the signature
device. The system will wait for the user to either enter the pin or cancel the request.
o
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Once the customer has entered the pin number the system will
display the pin wheel while it waits for a response from the
processor.
When the response is returned the signature device will
display the approved or declined message.
Once all payments are approved the system will save the invoice and display the invoice print selection screen in the
same way as noted in the credit sale section of this document.
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Performing a Manual Entry Credit/Debit Signature Sale
If the signature device is not working or a card will not swipe properly you may have to manually enter the card
information to process a transaction. Manual card entry is not as secure as swipe so this process should only be used
if you are sure the card is not lost or stolen. Additional step must be taken to prove the card was at the location
during the sale. An imprint must be taken of the card front in order to prove the card was at the location should the
card holder wish to fight the charges. If you are unsure about this process you should speak to your manager before
manually entering cards.
Once you have completed adding items you will progress to the tender screen. You must select a payment type for
the invoice. Multiple payment types can be used to complete the invoice. Select the credit payment type and the full
remaining amount of the invoice will appear next to the selected type. You can chose to leave this amount or adjust
it when using multiple payment types. After entering all payment click the Tender button to proceed.
The system will display the swipe card window. In the drop down at the top of this screen select “I want to manually
enter the card details.”
The display will ask for the card information required to
process:

Cardholder Name

Card Number (Front of the card)

Expiry date (MMYY)

CVV Code (last 3 or 4 digits on the back of the card)

Billing ZIP code (the cardholders billing address,
where their credit statements are mailed to)
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Once the information is entered click OK to process the transaction. The processing pin wheel will show until the
processor responds in the same way as a swiped transaction. Once all payments have been approved the invoice will
be saved and the invoice print screen will show in the status window. For a manual entry sale you can accept a
signature on the device if the device is working. If the device cannot accept an electronic signature you MUST print
the invoice and have the customer sign below the card details. The invoice with the signature must be saved in order
to provide proof that the card holder was present during the sale. Always check the signature against the back of the
card to ensure the card is not stolen. The card imprint can be completed on the invoice and both must be secured
according to your merchant PCI processes.
Performing a Phone Authorization
Phone authorizations are used for multiple reasons but are not suggested for normal operations in a retail store.
There are two main reasons to attempt a phone authorization:

Credit card processing is down

You receive an error when trying to get transaction approval such as “Call for Auth”
In both the above cases the process to receive and enter a phone authorization are the same. Like manual entry sales
you must take an imprint of the card to prove the card was present at the time of authorization. To get a phone
authorization you must call your authorization center NOT the number on the back of the credit card or any number
the card holder may give. Multiple methods of fraud happen when the store representative is tricked into calling a
number the card holder provides. If you are unsure of the authorization phone number do not perform a phone
authorization.
To complete the authorization process you will call into the authorization center. They will ask for the card number
and the amount you wish to charge. If the system approves the amount the operator will give you a six digit code.
This code must be entered exactly as given or the charge may end up being reversed after the fact. The system
cannot verify that the code was correctly entered. The signature pad will not engage on phone authorizations as you
will need a physical copy of the signature along with the imprint of the card. After entering the charge information
and clicking OK the system will proceed just as described in the credit section of this document.
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Performing a Refund
Once the items for refund have been selected you can proceed to the payment screen. If the invoice was paid by
credit card you must select credit (or the type of card used, Visa, MC). The amount will be filled in. If the original
invoice was paid by splitting between cash and credit you will need to adjust the amount of the refund to credit so
that it matches the original payment. The system will not allow you to refund more to the card than originally paid
without manager approval. *See Refund Rules for more information.
Voiding a partially paid invoice
When a credit or debit payment has been accepted the X button next to the payment type and amount will disappear.
The means the payment was accepted and the system will continue on to the next payment type.
If an error occurs after this point and you cannot complete payments or save the invoice you can click X on the sale
and the system will void the transaction.
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The system will ask you if you are sure you want to cancel the sale. Clicking Yes will cancel all activity on the sale
to this point and a new sale would have to be created.
If you are using a terminal batch provider (Paymentech, Heartland) the system will remove the payment from the
batch record. When the batch is closed at the end of the day this transaction will not be presented. You may see the
following screen if the system isn’t able to void a transaction.
If you are batching no further steps is required. The fund will free up on the card in the same way a refund is issued
but it can take up to 5 days for the funds to be available.
With an auto batching provider we attempt to reverse the transaction to free up the funds faster. Not all banks
support this and we cannot verify that the funds will be freed on the card. You should see the message below when
the system has reversed a payment.
For auto batching setups you will need to contact the processor in order to void the charge if it fails. Each processor
has specific requirements to perform this. Contact your provider rep to learn the options they provide.
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Closing and Reconciling your Batch (Paymentech, Heartland)
At the end of the day the rep should cash out the system by counting the cash in the drawer and entering these
amounts into the cash out screen. As part of the regular cashout you must also batch out the credit card transactions
for the day. To batch your transactions begin the cashout process by clicking the Sales icon
From the top action bar click Cash Mgmt and New Cashout from the dropdown menu.
The cashout screen will appear and will prompt you to settle you batch. You can also click the Settle button on the
top action bar of the cashout screen.
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The settlement or batch out screen details each transaction and invoice it was recorded on. It also shows the
summary of transactions by payment type. This information can be used to complete the cashout screen once
batching is complete.
If you must void a transaction you can click the row of the transaction you would like to void and click the delete
button on your keyboard.
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You can click either of the Settle Batch buttons on the top left or bottom right of the screen. The transactions are
then sent to the provider and the batch is closed. The batch is then marked for funding and the total will be deposited
to your bank account.
Batch transaction data can be viewed on the Payment Integration Batch report.
Once you have set your report criteria and run the report there is an additional action you can
perform.
 Click on the blue underlined link in the Batch Number column to view the Payment
Integration Transaction Report.
Column Overview:

Batch # - batch number assigned by the software.

Location - the location for this batch.


Terminal # - name/number of the terminal which did the transaction
Status - is the batch open or closed.

Start Date - date and time when was this batch started, this is immediately after the
previous batch was closed


Closed Date - date and time when this batch was closed
Amount - amount in this batch

# of Auth. - number of authorized transactions in the batch


Employee - employee who batched out
Merchant # - merchant number for the location
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Click on the blue underlined link in the Batch Number column to view the Payment Integration
Transaction Report.
Reconciling your Batch (Auto-batching)
The RQ4 system will record all credit and debit transactions that are made and these can be viewed on the Payment
Integration Transaction by Date report. This report is used in conjunction with the online reporting provided by your
processor of choice. Contact you processing rep to get an introduction to their online reporting services.
In RQ4 you can view transaction by location/date however you will only have access to locations you have
permissions to view. Once you select the location and date click Run Report to see the results.
Column Overview:









Invoice - the number of the invoice
Invoice Type - the type of invoice, e.g. bill payment, invoice, etc.
Store Name - name of the location where the transaction was made
Auth Type - indicates if this is a sale or refund
Trans Type - what type of transaction this is
Card Type - type of card used
Amount - dollar value charged to the card
Entered By - notes whether it was a manual, phone authorization, chip or swiped
Merchant # - merchant number supplied by the payment processor
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








TerminalID - terminal ID for the workstation where the transaction was made
Employee- name of the logged in employee when the plan was purchased
Auth. Date - date and time of the authorization
Auth. # - authorization number for the transaction
Cardholder Name - name of the credit/debit cardholder
Last Four Digits - last four digits of the card
Transaction Result - notes if the transaction was approved or declined
Reversed/Voided - notes if the transaction is a reversal or void
Reversed/Voided Reason - reason for the reversal or void if applicable
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Glossary of Terms
MCC: Merchant Category Code

RQ4 clients will fall under the Retail code meaning card present swiped transactions at the point of sale
Batch

Acts like a bucket where approved credit and debit transactions are held until settlement
Settlement

The act of closing the batch and moving funds from the card issuing bank to the merchant bank account
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Appendix A
Elavon Details
Hi, On behalf of everyone at Elavon Merchant Services, thank you for choosing us for your processing
needs. The first step is to complete the merchant application. This can be email or faxed to me along with a
voided check and your sales tax certification. Please call or email the Elavon contact for a current version of the
application form.
Application Help:
o
W9 at the top of page will need to be completed exactly as you file your tax returns.
o
Two signatures are required. Both are located on page four under section ❻ Merchant
Representations and Certificates and section ❼Personal Guaranty. If you choose not to sign the
personal guaranty section, 3rd party prepared financials or two years of federal tax returns are
required. Please note that we cannot accept any mark outs on this page.
Card Association and Assessment Fee Definitions
Visa

Account Verification Fee (AVF) – a fee Visa will assess for each $0.00 authorization request, allowing a
merchant to verify a cardholder account status. The fee is $0.025 and will apply to all account verification
requests, including other authenticating elements such as CVV2 and AVS.

Assessment % - fee is 0.11% and is billed on all sales volume.

Clearing Access – fee is $0.0025 and is a per item fee billed on all settled sale items. Another name is Base II
Access fee. Base II is the clearing system that Visa uses to clear transactions.

Fixed Acquirer Network Fee (FANF) – fee amount varies and is dependent on number of locations, card
present versus card not present volume, and MCC. See “Fixed Acquirer Network Fee.pdf “ for assistance with
calculating fee.

International Acquiring Fee – fee is 0.45% and is assessed on any transaction taken at a US Merchant from a
cardholder outside the US.

International Acquiring Fee High Risk – fee is 0.90% and is assessed on any transaction taken at a US
Merchant from a cardholder outside the US at MCC 5962, 5966, or 5967.

International Service Assessment – fee is 0.40% and is assessed on any transaction taken at a US Merchant
from a cardholder outside the US.

Mis-Use of Auth – a fee assessed for each Visa authorization which cannot be matched to a settlement
transaction or authorization reversal. The fee is $0.045 per item.

Network Acquirer Processing Fee (NAPF) – a fee that Visa applies to each authorization request. The fee is
$0.0195 per authorization request. The fee is $0.0155 per debit authorization request.
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
Transaction Integrity Fee – fee is $0.10 per item and will be assessed on both consumer and commercial,
regulated and non-regulated transactions that are either not eligible of fail to meet CPS qualifications, including
quasi-cash and high-risk telemarketing MCCs 5962, 5966, or 5967.

Zero Floor Limit – a fee applied to any Visa transaction settled without a proper authorization, including
forced transactions. The fee amount is $0.10 per transaction.
MasterCard

Account Status Inquiry – a fee that MasterCard will assess for each $0.00 authorization request used to
validate aspects of a cardholder’s account. The fee is $0.025 and will apply to all account verification requests,
including other authenticating elements such as CVC2 and AVS.

Acquirers License fee – fee is .0045% and is assessed on all MC credit and signature debit volume processed.
Both international and domestic US volume is included in the assessment.

Acquirer Program Support Fee – fee is 0.55% and is billed on all sales volume where the merchant country is
different than the card issuing country.

Assessment % - fee is 0.11% and is billed on all sales volume.

International Cross Border Fee – fee is 0.40% and is billed on all sales volume where the merchant country is
different than the card issuing country.

International DCC Cross Border Fee – fee is 0.80% and is billed on all sales volume where the merchant
country is different than the card issuing country AND the merchant currency code is different than the
transaction currency code.

North American Brand Usage fee (NABU) – a fee that MasterCard applies to each authorization
request. This fee is $0.0185 per authorization request.

Processing Integrity Fees – a fee assessed for each MasterCard authorization which cannot be matched with a
timely settlement transaction or authorization reversal. The fee is $0.045 per item.

Processing Integrity Line Item – fee is $0.01 and is assessed for records on the MC processing integrity fee
report file.
Discover

Assessment % - fee is 0.105% and is billed on all sales volume.

Data Transmission Fee – fee is $0.0025 and is an Assessment Per Item fee billed on sales items.

Data Usage Fee – fee is $0.0185 per item and is billed on all authorizations.

International Processing Fee – fee is 0.40% and is billed on transactions at US merchants, where the card
issuing country is outside of the US.

International Service Fee – fee is 0.55% and is billed on transactions at US merchants, where the card issuing
country is outside of the US. JCB and China Union Pay BIN ranges are excluded from this fee.
AIO Dealer Payment Processing Guide
| Brad Dolan
Page 30
American Express

International Cross Border Fee – fee is 0.40% and is billed for any AMEX transaction issued outside of the
US. This fee will be passed on to all accounts due to an agreement with AMEX, including those excluded from
Card Association Fees.
Additional information can be found in the following documents from Elavon:

Sample Monthly Statement – Interchange Plus.pdf

Statement Guide.pdf

Fixed Acquirer Network Fee.pdf
AIO Dealer Payment Processing Guide
| Brad Dolan
Page 31