Different types of credit cards incur separate levels of charges. And this is because the rates are based on the corresponding level of risk for each type of card. The system considers a handful of other variables for qualifying the business such as the different types of transactions that were carried out. When all these factors add up, you will be met with lower rates of your transactions.
Another thing to watch out for is the address verification of your construction merchant account. Although it can be crucial for card-alternative methods, retail stores do not need to put much mind to it. This entails the recording of the last 3 or 4 digits of the cards at the time of each transaction as well as the address and zip code of the cardholder. If the address verification contains the main components, it means that they meet the interchange qualification requirement for that particular card type which implies lower rates.