Level 2 / Level 3 Data Submission via API - Canada

Use the Payrix API to submit Level 2/3 qualifying transactions.

Introduction

This document will guide you through the requirements and the process of Level 2/3 transactional data submission and qualifying interchange rates.

If any of the required data is missing with a payment submission, the transaction may be downgraded and lack qualification for Level 2/3 data interchange rates as a result.

Fields and Data Requirements

Use these links to view the general API reference for transaction submission:

Overall Level 2 Data Requirements

Tax Amount is required for both Visa and MasterCard transactions. For Visa, the tax amount must be between 0.1% - 22% of the payment total, and between 0.1% - 30% for MasterCard transactions. This value is sent via the txns.tax field when submitting either a Sale or a Capture transaction type (note: txns.tax value for authorization is not used)

Order Number (or Custom Code) is required for MasterCard payments only (also see specific Visa requirements for Large Ticket further down on the page). This field cannot be blank for a Sale or capture request to meet MasterCard’s Level 2 qualifications and should be sent in txns.order field.

Overall Level 3 Data Requirements

Below are the non-line item data fields required for Level 3 transaction submission (in addition to the above Level 2 requirements).

Note: Any field with no desired value or 0 must be submitted with a valid value of 0.

Field values with null or that are left blank will not be accepted.

To avoid confusion, please note: Order Number (Custom Code) and Invoice are interchangeable terms for Level 3 processing fields.

txns.discount
txns.shipping
txns.duty

Below are line item data fields required for Level 3

These are the fields required by both Visa and Mastercard:
items[].productCode
items[].item
items[].description
items[].quantity
items[].um
items[].total
These fields are required by Visa in addition to the above fields:
items[].discount
items[].commodityCode
items[].price

Sample Data

JSON

{
   "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",
         "description":"red ball"
         "quantity":1,
         "price":7799,
         "um":"EACH",
         "commodityCode":"11119999",
         "total":5799,
         "discount":-2000,
         "productCode":"UPC12345"
      },
      {
         "item":"Line Item #2",
         "description":"green ball"
         "quantity":2,
         "price":1000,
         "um":"EACH",
         "commodityCode":"11119999",
         "total":2000,
         "discount":0,
         "productCode":"UPC12345"
      }
   ]
}

Level 2/3 Data Format Requirements

Field	Length	Brand	Format Restrictions
`txns.tax`	12	Visa, MC	Numeric in pennies (Also see exceptions in MasterCard MCC exclusions)
`txns.order`	15	MC	Must not be all spaces (Also see Visa Large Ticket requirements)
`txns.discount`	12	Visa	Numeric in pennies
`txns.shipping`	12	Visa	Numeric in pennies
`txns.duty`	12	Visa	Numeric in pennies
`items[].productCode`	12	Visa, MC	Text, must not be all spaces or all 0's
`items[].item`	26	Visa, MC	Text, Must not be all spaces or all 0’s
`items[].description`	26	Visa, MC	Text, must not be all space or all 0’s
`items[].quantity`	12	Visa, MC	Numeric, floating-point up to 4 decimals
`items[].um`	12	Visa, MC	Text, must not be all space or all 0’s
`items[].total`	12	Visa, MC	Numeric in pennies
`items[].price`	12	Visa	Numeric, floating-point up to 4 decimals in pennies
`items[].discount`	12	Visa	Numeric in pennies
`items[].commodityCode`	12	Visa	Numeric only. Must not be all spaces or all 0’s. Additional details below

Commodity Code Requirements

The Commodity Code must be submitted in numeric only formatting to meet requirements. Payrix recommends utilizing the NIGP codes, and the full code list is available via subscription here.

Attached is a partial list of available 7-digit codes.

nigplist.pdf

Visa Specific Requirements

Visa shows card type..

This data can be located in the Portal by clicking on a transaction from the Payments History page to reveal the Transaction Details window.
The BIN field within will display the card type.

Visa Level 2 Requirements

Click to expand list of Visa Level 2 Data Submission Requirements

The transaction must be CPS qualified:
- The transaction Capture request must be within 1 business day of the original Authorization (i.e. no more than 24 hours between Auth and Capture). Some eligible large ticket payments can be Captured up to 7 business days after Authorization when using a corporate/purchasing cards.
- Ineligible MCCs (High Risk)
  5962 Direct Marketing – Travel Related Arrangements Services
  5966 Direct Marketing- Outbound Telemarketing Merchant
  5967 Direct Marketing – Inbound Teleservices Merchant
- These payments cannot be Authorized via a cardholder activated terminal device
- Transaction MUST include a non-zero tax amount
- AVS required for CNP transactions (except Corporate Card and Purchasing Card, which are always exempt from AVS)
Card Type Qualifications for Level 2
- Business Card
- Corporate Card
- Purchasing Card
MCC Qualifications
- All MCCs are eligible except:
  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
  7011 Lodging—Hotels, Motels, and Resorts
  7512 Automobile Rental Agency
  7513 Truck & Utility Trailer Rentals

Visa Level 3 Requirements

Click to expand list of Visa Level 3 Data Submission Requirements

Level 2 data is not required to achieve level 3 rates
The tax amount can be $0.00 as well as long as the tax exempt flag is set
If tax amount is sent that is greater than $0.00, it needs to be between 0.01% & 0.30% of the transaction amount.

Card Type Qualifications for Level 3:

Corporate Card
Purchasing Card

Large Ticket Requirements

For a transaction to qualify as Large Ticket, all Level 3 restrictions must be met. In addition:

Customer Code (Invoice #) must be submitted with the transaction
Purchasing Card and Non-GSA Corporate Card only

MasterCard Specific Requirements

MasterCard offers card type info in much finer detail.

This data can be located in the Portal by clicking on a transaction from the Payments History page to reveal the Transaction Details window.
By clicking on the Platform IDs tab, an Auth and Retreival number relevant to the transaction.

The first 3 characters of Auth or Capture ID for MasterCard contains the card type detail.

Note: MasterCard interchange terms for Level 2/3 is “Data Rate 2/3” which applies only to corporate/business interchange categories.

MasterCard Level 2 Requirements

Click to expand list of MasterCard Level 2 Data Submission Requirements

Data Rate 1/2/3 Requirements
- Clearing must follow authorization within 3 business days (no more than 2 days between auth and capture)
Card Type Qualifications for Data Rate I/2
- MAC Mastercard Corporate World Elite
- MAP Mastercard Commercial Payments Account product
- MAQ Mastercard Prepaid Commercial Payments Account
- MBD Deferred Debit Mastercard BusinessCard
- MBS Mastercard Corporate Card (GB)
- MCB Mastercard BusinessCard
- MCF Mastercard Electronic Fleet Card
- MCO Mastercard Corporate
- MCP Mastercard Corporate Purchasing Card
- MDB Debit Mastercard BusinessCard
- MDL Business Debit Other Embossed
- MEB Mastercard Executive BusinessCard
- MEF Mastercard Electronic Payment Account
- MEO Mastercard Corporate Executive Card
- MGF Mastercard Government Commercial Card
- MNF Mastercard Public Sector Commercial Card
- MPK Prepaid Mastercard Government Commercial Card
- MPW Prepaid Mastercard Corporate Card
- MWO Mastercard Corporate World
- MWB World Mastercard for Business
- MAB World Elite Mastercard for Business
MCC Qualifications
- All MCCs except below
  3000–3299 or 4511 (Airline)
  3351–3500, 7512, 7513, or 7519 (Automobile/Vehicle Rental)
  3501–3999 or 7011 (Hotel/Motel)
  4112 (Passenger Railways)
  5812 (Eating Places, Restaurants)
- Some MCCs DO NOT require tax amount to be submitted (Data Rate I/2 only)
  4468, 5541, 5542, 5499, 5983 (Fuel)
  4111, 4131,4215, 4784 (Transportation)
  8211, 8220, 8398, 8661 (Non-Profit)
  9211, 9222, 9311, 9399, 9402 (Government)
Additional requirements for Shipping/Courier MCCs such as package weight, tracking number, pickup date, etc (not listed). Additional requirements for Fuel MCCs (not listed)

MasterCard Level 3 Requirements

Click to expand list of MasterCard Level 3 Data Submission Requirements

Level 2 data is required to achieve level 3 rates (except there are no exclusions for MCC when submitting tax amount (i.e., tax amount is required for all eligible MCCs))
If the merchant does send over level 2 data, and the tax amount is greater than $0.00 the tax amount must be a percent between 0.01% & 0.22% of the transaction.
The tax amount can be $0.00 as long as the tax exempt flag is sent.
A minimum of one valid Level 3 data line-item
Card Type Qualifications for Data Rate 3
- MBS, MEF card types are not eligible for Data Rate 3

Large Ticket Requirements

For a transaction to qualify as Large Ticket, all Level 3 restrictions must be met. In addition:

Submission Requirements
- Clearing must follow authorization within 2 business days (no more than 1 day between auth and capture)
Card Type Qualifications for Large Ticket
- MAP, MAQ, MEF card types are not eligible for Large Ticket