As I am working through statements from day to day, I started to notice that some restaurant locations were paying very steep discount charges. What I discovered was those same businesses were also being assessed a high number of TIFs (Transaction Integrity Fees). Just what does this fee mean and how does can it impact your business? Starting in April 2012, Visa introduced this new $.10 for each debit card that does not qualify for the CPS (Custom Payment Service) interchange rate. You might be wondering how a debit transaction does not qualify? After all, you are simply swiping the customers credit card, right? Well there are several possibilities. Transactions are not settled (batched) within 2 days AVS (Address Verification) is not requested for key-entered sales Internet sales do not include order number of customer service number Hotels are not providing all the requested data Therefore, depending on your business practice, you could be a