Is it downgraded or does it just eliminate additional processing fees, assuming it wouldn't be declined.
aflett are you able to provide some context about what will happen if processing type is not included in the request?
If the processing type is not indicated on a card on file transaction scenario then the indicators that go to the networks will not show the transaction as card on file. According to the networks COF aids in approval rates but it will not impact interchange rates nor fees.
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