As @RaynorC1emen7 pointed out, the real answer lies with the Merchant Service Provider. They generally calculate rates based on risk, and while you can take concrete steps to reduce risk, how they impact your rates is proprietory to the MSP.
That said, these are among the fields that may reduce rates for merchants:
- For Retail merchants, posting Track 1 or Track 2 data, instead of CC#/expiration date, will generally reduce rates;
- For card not present (CNP) merchants, AVS or Card Code verification will generally reduce rates;
- For Business-to-Business (B2B) merchants, collecting Purchase Order numbers, Tax Status, Tax, Freight, and Duty details will generally reduce rates, and are required for Level 2 processing;
- For some merchants, using 3-D Secure (Verified by Visa, MasterCard SecureCode) may help reduce rates.
There may be other considerations on top of these, which the MSP can explain.
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