There is no way that Cybersource + Wells Fargo is charging 1.45% for non-qual transactions. More likely they are doing something called Marking Up the Downgrades http://feefighters.com/blog/marking-up-the-downgrades/ where they quote a low "qualified" rate that only applies to a small minority of transactions.

The wholesale rates for credit card processing (called interchange rates) are available online at visa and mastercard's websites (search for "visa interchange rates"). Without getting into details, all card-not-present transactions, regardless of card type, are more than 1.45%.

Braintree's pricing is not the lowest, but I bet if you looked carefully at your statement from Wells you would find that it is worse than Braintree - some of the worst processing deals I have ever seen are from Wells Fargo.

If you want to make sure that your processor is not pulling funny business with downgrades, insist on Interchange Plus pricing (http://feefighters.com/blog/interchange-plus/). Or just a completely flat rate with no downgrades.

And then monitor it closely, this is one of the most crooked industries on the planet.