There are different types of transactions. I mentioned the way the merchant processes those transactions.
An electronic transaction is either one that is swiped--so the card is there--or one that is a chip transaction, where the chip is inserted into the terminal. For those, we know the card is there, so they're less likely to be turned down.
Standard transactions are those for which the card is not present. I mentioned that e-commerce transactions are standard, because you're purchasing at a website and the card is not physically at the merchant's location. So Visa actually has differential interchange rates for those transactions. And we break out all of those card types, where we've charged a premium for those card types--