Understanding Interchange Data Requirements

The following card types can be used for Level 2 data submission:

• Corporate Purchasing

• Business Credit

• Enhanced Business Credit

• Signature Business Credit

In addition to the above, the following card types can be used for Level 3 data submission:

• Corporate Credit

• Purchasing Credit

Commercial Prepaid card type is not eligible.

Level 2 data must include all Level 1 data requirements in addition to the requirements listed below.

Sales Tax and Order Information - Sales tax information for each transaction including:

Sales Tax Amount	The total amount of sales tax applied to the transaction. Warning: The tax amount must be between 0.1% - 22% of the payment total to qualify. This is submitted using either a Sale or a Capture transaction type.
Order Number	A unique identifier used by the merchant to locate the specific transaction information. Note: “Order Number”, “Invoice Number”, and “Customer Code” are interchangeable terms for Level 2 and Level 3 data submissions. Warning: This field cannot be blank, null, or all zeros and must contain a relevant value.

Level 3 data must include all Level 2 data requirements in addition to the requirements listed below.

Item Details - Must provide detailed information for each item listed in a transaction including:

Item	Name or title of the item.
Description	A detailed description of the product or service sold.
Commodity Code	We recommend using the standardized numerical 7-digit NIGP commodity code used to classify products for customs. Attached is a partial list of available 7-digit codes. nigplist.pdf Warning: This field cannot be blank, null, or all zeros or spaces and must contain a relevant value.
Product Code	A unique identifier used by the Merchant business to identify the specific product. Warning: This field cannot be blank, null, or all zeros or spaces and must contain a relevant value.
Item Price	The price per item unit.
Item Discount	Monetary reductions applied to the product or service price for the line item. Note: This value can be '0' if there is no applicable item discount.
Quantity	The number of units sold.
Unit of Measure	A standardized unit used to quantify the quantity of the product or service. Examples: each, kilogram, pound, month.
Item Total	Total transaction line item cost, calculated with quantity, unit price, discounts, tax, and shipping.

Discount, Shipping & Duty - Must provide shipping, duty, and tax information (if applicable) including:

Shipping Amount	The cost associated with transporting products from Merchant to customer. Note: This value can be '0' if there is no applicable shipping amount.
Duty Amount	The monetary value of customs duties or taxes related to product import and export. Note: This value can be '0' if there is no applicable duty amount.
Order Discount	Monetary reductions applied to the transaction total. Note: This value can be '0' if there is no applicable order discount.
Tax	Note: The tax amount can be zero (or the tax field can be omitted entirely). If the Merchant sends a tax amount greater than $0.00, it needs to be between 0.1% & 22% of the transaction amount.

In addition to the interchange data requirements above, the Visa card network has specific additional requirements to qualify:

• The transaction must be compliant with the Visa Custom Payment Service (CPS).

• A ‘capture’ request must follow the ‘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).

• Transaction must be authorized online and cannot be a cardholder-activated terminal (CAT) location.

• Business Card type transactions must always include an Address Verification System (AVS) reference.

Large Ticket transactions refer to transactions with a larger total dollar amount.

Your interchange rate may change based on the transaction amount to offer better pricing from Visa’s large ticket program for high-dollar-value transactions.

In addition to the data requirements above, the Visa card network has specific additional requirements to qualify for Large Ticket interchange pricing:

• Clearing must follow authorization within 2 business days (no more than 1 day between auth and capture)

• The transaction amount must meet ticket thresholds: $6,980+

The following card types can be used for Level 2 data submission:

• Corporate Purchasing

• Business Credit

• Enhanced Business Credit

• Signature Business Credit

Note: MasterCard uses the term “Data Rate 2 and 3” to refer to Level 2 and Level 3 interchange data when referring to corporate/business purchases and cards.

In addition to the above, the following card types can be used for Level 3 data submission:

• Corporate Credit

• Purchasing Credit

Commercial Prepaid card type is not eligible.

Warning: The following card types are ineligible for Level 3 data submission with MasterCard:

• MBS - Mastercard B2B Product 1

• MEF - Mastercard Electronic Payment Account

Level 2 data must include all Level 1 data requirements in addition to the requirements listed below.

Sales Tax Information - Sales tax information for each transaction including:

Sales Tax Amount	The total amount of sales tax applied to the transaction. Warning: The tax amount must be between 0.1% - 30% of the payment total to qualify. This is submitted using either a Sale or a Capture transaction type.
Order Number	A unique identifier used by the merchant to locate the specific transaction information. Note: “Order Number”, “Invoice Number”, and “Customer Code” are interchangeable terms for Level 2 and Level 3 data submissions. Warning: This field cannot be blank, null, or all zeros and must contain a relevant value.

Level 3 data must include all Level 2 data requirements in addition to the requirements listed below.

Item Details - Must provide detailed information for each item listed in a transaction including:

Item	Name or title of the item.
Description	A detailed description of the product or service sold. Warning: This field cannot be blank, null, or all zeros or spaces and must contain a relevant value.
Line Item Total	Total transaction line item cost, calculated with quantity, unit price, discounts, tax, and shipping.
Product Code	A unique identifier used by the Merchant business to identify the specific product. Warning: This field cannot be blank, null, or all zeros or spaces and must contain a relevant value.
Quantity	The number of units sold.
Unit of Measure	A standardized unit used to quantify the quantity of the product or service.

Note: When submitting a Level 3 transaction, the tax amount must be a percent between 0.1% & 30% of the transaction; it cannot be zero unless tax-exempt status is enabled by the Facilitator.

Warning: The following card types are ineligible for Level 3 interchange with MasterCard:

• MBS - Mastercard B2B Product 1

• MEF - Mastercard Electronic Payment Account

In addition to the interchange data requirements above, the MasterCard card network has specific additional requirements to qualify:

• Clearing must follow an authorization request within 3 business days (no more than 2 days between Authorization and Capture).

Large Ticket transactions refer to transactions with a larger total dollar amount. Your interchange rate may change based on the transaction amount to offer better pricing from MasterCard’s large ticket program for high-dollar-value transactions.

In addition to the data requirements above, the MasterCard network has specific additional requirements to qualify for Large Ticket interchange pricing:

• Clearing must follow authorization within 2 business days (no more than 1 day between auth and capture).

• The transaction amount must meet ticket thresholds: $7,255+

Warning: The following card types are ineligible for MasterCard’s large ticket program:

• MAP - Mastercard Commercial Payments Account

• MAQ - Mastercard Prepaid Commercial Payments Account

• MEF - Mastercard Electronic Payment Account

Warning: Any of the following Merchant Commercial Code (MCC) types are disqualified from Level 2 or Level 3 data submission for interchange rate improvements.

MasterCard Non-Compliant MCCs List: