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LEVEL 2 & LEVEL 3 COMMERCIAL

Level 2 & Level 3 Commercial Indicators: B2B Interchange Optimization

When processing corporate, commercial, and purchasing card transactions, supplying enhanced data (such as tax amounts, customer codes, line-item details, and invoices) allows merchants to qualify for lower interchange rates set by card networks. The LEVEL2 and LEVEL3 parameters indicate whether a card supports transmitting these advanced commercial data fields.

Supported Values: TRUE (commercial data transmission is supported) or FALSE / blank (standard consumer or non-commercial card).
Integration Purpose: Enables payment gateways and merchant systems to automatically collect and pass L2/L3 data fields to secure preferential B2B interchange tiers.
Custom Database Build: Available as dedicated extra parameter flags in your custom BIN database package.

How It Works & Example Usage

See how Level 2 and Level 3 indicators help optimize processing costs for commercial transactions:

Example 1 (Corporate Card with L2/L3 Support):
BIN Record: 541275;...;LEVEL2: TRUE, LEVEL3: TRUE
Action: Gateway triggers extended invoice/tax data collection fields at checkout, lowering the interchange rate by up to 1.5%.
Example 2 (Standard Consumer Card):
BIN Record: 415274;...;LEVEL2: FALSE, LEVEL3: FALSE
Action: System processes the payment normally under standard consumer interchange rates.

Why Level 2 & Level 3 Data Matters for Your Clients

  • B2B Merchants & SaaS: Delivers massive direct savings on processing fees by unlocking preferential commercial interchange qualification.
  • Payment Gateways & PSPs: Enhances value-added features by automatically prompting users or merchants for required corporate data fields.
  • Cost Reduction: Prevents corporate transactions from falling back to higher baseline interchange tiers due to missing capability flags.

Database Support and Availability

Support for Level 2 and Level 3 identification is available as an optional add-on for custom database builds.

Feature Capability
Parameter Names LEVEL2, LEVEL3
Possible Values TRUE / FALSE
Integration Format Additional columns in CSV/JSON custom database exports.

This data is available at additional cost of $1300 (one-time).

For technical inquiries regarding Level 2 & Level 3 data mapping:

Contact Engineering Support