For Crowne Plaza, what rules and terms apply to DNP Transactions?

According to Crowne Plaza's 2025 Franchise Disclosure Document, DNP (Discover, Diners Club International JCB, Union Pay, BCcard, or any other Card Organizations subsequently designated by Discover) transactions are considered Non-Bank Services. Depending on the franchisee's Merchant Account, these transactions may be sponsored and settled by either a Processor or Discover.

Specifically, DNP transactions that Discover sponsors and settles are termed "Conveyed Transactions." All DNP transactions are processed under and subject to Discover Card Organization Rules. These rules encompass the terms of the agreement applicable to Discover Card acceptance and transactions. This includes, but is not limited to, the fees, rates, and interchange programs that are applicable to these transactions.

For a Crowne Plaza franchisee, this means they must adhere to the specific rules and terms set by Discover for processing DNP transactions. It is important to understand which entity, either the Processor or Discover, sponsors and settles these transactions, as this will dictate the exact procedures and fees involved. Franchisees should carefully review their Merchant Account details and the Discover Card Organization Rules to ensure compliance and to fully understand the costs associated with DNP transactions.