The card networks require you include the sales tax amount for certain Commercial Card transactions to get an optimal interchange rate. Commercial Card Interchange Service (CCIS), was created by FDR to meet this requirement. Your POS device may prompt for that information but often that prompt is bypassed for various reasons, so no tax information is sent with the transaction. With the CCIS service, when transactions do not include any tax information, CCIS computes the sales tax based on the applicable rate at your location; however, when FDR computes the sales tax on your behalf, FDR will retain the interchange savings. You will see this reflected on your monthly statements as “Comm Card I/C Savings Adj”. This adjustment is only applied when CCIS has optimized your interchange qualification and does not increase the original cost of your transactions. If a transaction is fully or partially exempt, you should enter the tax amount as CCIS applies your local tax rate to the full amount of transactions when the prompt is bypassed. This processing service will begin on January 1, 2022 and you may see this information beginning with your January statement.  Please call the customer service number on the statement if you have questions or would like to discuss options pertaining to the CCIS. Otherwise, continuing your merchant account with us or use of your merchant account after 30 days will represent your acceptance of these terms.