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Why are adult rates much higher than retail rates?
Adult Membership Transactions are also known as High Risk Transaction because of the high fraud rate on this kind of transactions. Fraud normally leads to a cardholder dispute which is taking recourses from the card networks, card issuers, card acquirers as well as for the IPSPs and Merchants. That’s why Visa and MasterCard is pricing “Adult Transactions” higher than “Normal Transactions”. Another factor is all services that are included when a biller processes adult transactions, for example the cardholder support, membership management and all reporting systems.
