Level 1, 2 and 3 Processing Explained
Level 1 Processing (Level 1 Card Data)
ERP / Accounting Software Integration
Level 2 and 3 Processing
Level 2 Processing (Level 2 Card Data)
Business to business (B2B) merchants will likely fall under the Level 2 category. These merchants will be accepting business, corporate and purchasing cards. At this level, the amount of information needed is greater than Level 1 processing. This includes the standard information required for Level 1 processing as well as data such as merchant zip code, customer code, sales tax, etc.
Level 3 Processing (Level 3 Card Data)
Like Level 2 processing, merchants that get placed under Level 3 processing are going to be accepting a large amount of commercial cards and/or government cards from businesses and government agencies. The difference between the two is again, the amount of data/information requirements, with Level 3 demanding the most. For example, a merchant must include line item details (e.g. invoice number, order number, freight amount) in addition to all the data required for Level 2, for each transaction. Under Level 3 processing, merchants get the best rate.
Level 2 and Level 3 Rates
You can find yourself saving a large amount off interchange rates when you process under Level 2 and Level 3. Please call us to learn more.
|Data||Level 1||Level 2||Level 3|
|Merchant DBA Name||x||x||x|
|Merchant Postal Code||x||x|
|Merchant Minority Code||x||x|
|Merchant State Code||x||x|
|Item Product Code||x|
|Item Unit of Measure||x|
|Item Extended Amount||x|
|Item Net / Gross Indicator||x|
|Ship From Postal Code||x|
|Destination Postal Code||x|
|Destination Country Code||x|
|Alternate Tax Amount||x|