Level 2 & 3 Credit Card Processing

Level 2 & 3 Credit Card Processing


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If your company typically deals with business, corporate or government GSA purchasing cards (known as p-cards or purchase cards) you can benefit from lower credit card processing fees for Visa & MasterCard transactions by submitting Level 2 or Level 3 data.

Level 2 Data Credit Card Processing

To have your transaction qualify for Level 2 pricing, you must use a certified product that collects and submit data properly to Visa/MasterCard.

Required Data to Qualify for Level 2

  1. Standard Info – credit card number & exp, billing address, zip code and invoice number.
  2. Customer Code – no longer required but encouraged to submit it.
  3. Sales Tax – an amount must be submitted separately from the total transaction amount.

Products Supporting Level 2 Data

  • Internet Gateway – such as Authorize.net
  • Computer Software – such as PC Charge

Level 3 Data Credit Card Processing

To have your transactions qualify for Level 3 pricing, you must first use a certified product that collects and submits the data properly to Visa/MasterCard.

Required Data to Qualify for Level 3:

  1. Standard Info – credit card number & exp, billing address, zip code and invoice number.
  2. Customer Code – no longer required but encouraged to submit it.
  3. Sales Tax – An amount must be submitted separately from the total transaction amount.
  4. Freight Amount – if unavailable, enter $0.00
  5. Duty Amount – if unavailable, enter $0.00
  6. Line Item Detail – Product/Service ID (item ID, Product/Service Description, Quantity, Item Amount (like $100), Unit of Measure.

This information is used to create the customer’s credit card statement as it breaks down everything for easy reporting and accounting.

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