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You are exactly right - the key to the best rate is swiping the card - period. Whether you have a retail pos or lodging should not matter at all - swiped transactions are "card present" and should result in similar rates. The check-in/out data is another story, and although it may or may not save you from a chargeback, there is no doubt it provides some additional protection - it is very hard for a consumer to debate it.
