How To - Use this guide to ensure you meet compliance requirements of cardholders for better interchange rates by sending Level 2 and Level 3 transactional data with your transaction using Portal, PayFields, or API options.
What is Level 2 / Level 3 Data?
Level 2 / Level 3 data refers to the additional transaction data provided by Merchants and used by credit card companies to classify a payment processor into different interchange rates.
Level I data is required to process any credit card payments and is the default for all merchants unless additional Level 2 and/or Level 3 data is captured with each transaction.
Level 1 data requirements:
Merchant Name
Transaction Amount
Transaction Date
Credit card number
Card Expiration date
Customer Billing address
Customer Zip code
This data is used by credit card companies, like Visa and MasterCard, to determine your interchange rate based on your risk. Your risk is reduced by providing them with more information regarding each transaction, such as Sales Tax, Merchant Tax ID Number, and Invoice Number.
Level 2 and Level 3 transactional data can be captured using:
How to Send Level 2 Transactional Data
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Standard Data Requirements
Level 2 standard data requirements:
Value | Description |
---|
txns.tax | Sales Tax Amount |
txns.order | Order Number (or Custom Code) |
Visa Requirements
Card Type Qualifications for Level 2:
Business Card
Corporate Card
Purchasing Card
All MCCs are Visa compliant except the following:
Visa Non-Compliant MCCs List
3000–3999: Airlines/Car Rental Companies/Hotels
4112: Passenger Railways
4411: Steamship and Cruise Lines
4511: Airlines and Air Carriers
4722: Travel Agencies and Tour Operators
5812: Eating Places and Restaurants
5814: Fast Food Restaurants
5962: Direct Marketing – Travel Related Arrangements Services (High Risk)
5966: Direct Marketing – Outbound Telemarketing Merchant (High Risk)
5967: Direct Marketing – Inbound Teleservices Merchant (High Risk)
7011: Lodging – Hotels, Motels, and Resorts
7512: Automobile Rental Agency
7513: Truck & Utility Trailer Rentals
Additional Visa Requirements
The transaction must be CPS (Visa’s Custom Payment Service) compliant.
A capture request must follow authorization request:
Within 1 business day (no more than 24 hours between auth and capture)
or
Within 7 days (for eligible large ticket transactions using corporate/purchasing cards).
Must be authorized online and cannot be at a CAT (cardholder activated terminal) location.
The transaction must include a non-zero tax amount
Card-not-present transactions require AVS (Address Verification System)(except Corporate Card and Purchasing Card, which are always exempt from AVS).
MasterCard Requirements
Card Type Qualifications for Level 2:
Business Card
Corporate Card
Purchasing Card
All MCCs are MasterCard compliant except the following:
MasterCard Non-Compliant MCCs List
3000–3999: Airlines/Car Rental Companies/Hotels
4112: Passenger Railways
4411: Steamship and Cruise Lines
4511: Airlines and Air Carriers
4722: Travel Agencies and Tour Operators
5812: Eating Places and Restaurants
5814: Fast Food Restaurants
5962: Direct Marketing – Travel Related Arrangements Services (High Risk)
5966: Direct Marketing – Outbound Telemarketing Merchant (High Risk)
5967: Direct Marketing – Inbound Teleservices Merchant (High Risk)
7011: Lodging – Hotels, Motels, and Resorts
7512: Automobile Rental Agency
7513: Truck & Utility Trailer Rentals
Additional MasterCard Requirements
Using the Portal
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To capture Level 2 transaction data using the Create Payments page:
Click Create Payments from the Menu bar on the left hand side (under the Payments tab)
After filling out all applicable data, click the “Submit this transaction as LEVEL 2 PROCESSING” checkbox under “Customer Details” to reveal Level 2 Data Fields.
Fill in the TAX and ORDER NUMBER fields and click Process Payment.
Using PayFields
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To capture Level 2 transaction data using PayFields:
Add two custom fields using the Portal or via the API and label them Sales Tax (“tax”) and Order Number (“order”)
Set each custom field as required to ensure your Level 2 transaction data requirements are met.
Using the Payrix API
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Level 2 Code Example
{
"merchant": "t1_mer_12345",
"type": "2",
"origin": "2",
"payment": {
"number": "4111111111111111",
"cvv": "123"
},
"expiration": "1224",
"tax": "100",
"total": "7799",
"allowPartial": "1",
"order": "INVOICE#1"
}
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How to Send Level 3 Transactional Data
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Standard Data Requirements
Level 3 standard data requirements:
*All Level I Data Requirements
*All Level 2 Data Requirements
Sales tax amount
Customer code
Merchant zip code
Merchant tax identification number
Invoice number
Order number
Value | Description |
---|
productCode | Product Code |
itemDescription | Item Description |
quantity | Item Quantity |
unitOfMeasure | Item Unit of Measure |
Additional Requirements (Visa & MasterCard)
A minimum of one valid Level 3 data line-item (above)
Qualified Card Types for Level 3: MBS, MEF card types are not eligible for Data Rate III.
Large Ticket Requirements
Large Tickets transactions refer to transactions with a larger dollar amount.
Depending on the size of your transaction, your interchange rate may change, offering better pricing. Both Visa and Mastercard offer large ticket programs for high dollar value transactions.
Submission Requirements: Clearing must follow authorization within 2 business days (no more than 1 day between auth and capture)
Qualified Card Types for Level 3: MAP, MAQ, MEF card types are not eligible for Large Ticket Transactions.
Using the Portal
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To capture Level 2 transaction data using the Create Payments page:
Click Create Payments from the Menu bar on the left hand side (under the Payments tab)
After filling out all applicable data, click the “Submit this transaction as LEVEL 2 PROCESSING” checkbox under Customer Details to reveal Level 2 data fields.
Fill in the TAX and ORDER NUMBER fields then click the “Submit this transaction as LEVEL 3 PROCESSING (All fields must be completed)” checkbox to reveal Level 3 data fields.
Fill in the SHIPPING AMOUNT, DUTY AMOUNT, ORDER DISCOUNT fields. Then proceed to the Order Items section.
Fill in the NAME, DESCRIPTION, COMMODITY CODE, PRODUCT CODE, ITEM PRICE, ITEM DISCOUNT, QUANTITY, UNIT OF MEASURE, ITEM TOTAL for each item.
Note: You can add additional item to the transaction by clicking the
Add Item button in the lower left hand corner of the Order Items section. Each additional item must have the all fields above for Level 3 Transaction Processing
Using PayFields
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To capture Level 3 transaction data using PayFields:
Add six custom fields via the Payrix API to your custom PayField and label them as follows:
Sales Tax (“tax”)
Order Number (“order”)
Product Code (“productCode“)
Item Description (“itemDescription“)
Item Quantity (“quantity“)
Item Unit of Measure (“unitOfMeasure“)
Set each custom field as required to ensure your Level 3 transaction data requirements are met.
Using the Payrix API
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Level 3 Code Example
{
"merchant":"t1_mer_12345",
"payment":{
"number":"4111111111111111",
"cvv":"123"
}
"expiration":"1224",
"type":2,
"order":"INVOICE#1",
"total":7799,
"tax":100,
"items":[
{
"item":"Line Item #1",
"itemDescription":"Blue",
"quantity":1,
"price":7799,
"um":"EACH",
"commodityCode":"11119999",
"total":5799,
"discount":-2000,
"productCode":"UPC12345"
},
{
"item":"Line Item #2",
"quantity":2,
"price":1000,
"um":"EACH",
"commodityCode":"11119999",
"total":2000,
"discount":0,
"productCode":"UPC12345"
}
]
}
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