Level II or Level III Data

What is Level 2 or 3 Data (Level II Data & Level III Data)?

Level 2 or 3 Data defines what items are being purchased on an invoice item-by-item in a B2B or a Business-to-Government agency transaction by using a special type of credit card called a Purchasing Card. Purchasing Cards are issued to large corporations and government agencies to offer a special interchange rate for those companies that can submit detailed invoice data by MCC, for example, to the Card Associations to be processed at a cheaper interchange rate in order to promote the use of credit cards amongst corporations and government agencies.

How does Level 3 Data affect interchange rates?

Submitting Level 3 Data for qualified transactions can save a company between 30-60% on credit card processing rates per year on average!

What type of data is REQUIRED to be submitted to the Card Associations for Level 3 Data? 

The following information is required to be submitted when a Level 3 eligible transaction is identified:

• Payment Information – card #, expiration date, billing address, zip code and invoice #
• Sales Tax – required to be submitted as a separate line item
• Freight Amount – $0.00 or more, required to be submitted as a separate line item
• Duty Amount – $0.00 or more, required to be submitted as a separate line item
• Line Item Details – item code, item description, quantity, amount per unit, unit of measure

How can Merchant Bully implement a Level 3 Data solution so I can get the cheaper interchange rates?

Merchant Bully has the technology necessary to identify Level 3 eligible transactions and receive the lowest possible interchange rate the Business, Corporate or Purchasing Card has to offer. Our Level 3 Data solutions can be utilized by creating multiple invoice templates that capture various Level 3 Data and save it for use anytime.

Did you know with Level 2 Data or Level 3 Data your organization can negotiate better terms with your monthly spend by lower pricing, reducing expenditures and help with regulatory compliance?

Visa Enhanced Data

MasterCard Enhanced Data

Read more about Merchant Bully solutions for Level 3 Data: INTERCHANGE OPTIMIZATION


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