Submit Level 2 or Level 3 data
Beta

Last updated: 22 January, 2025

Card processing transactions are categorized into different levels, depending on how much information is captured from the cardholder for the transaction.

By providing Level 2 or Level 3 data with your transactions, you may be able to qualify for reduced interchange rates. Cardholders also benefit from the additional data, as they receive more detailed transaction information in their card statements.

Each card scheme has different requirements for Level 2 and Level 3 data to qualify for interchange reduction. The following tabs list the minimum requirements for each card brand, and the data levels needed to for you to get maximum interchange reduction.

Information

For a listing of all fields and field definitions, see Visa and Mastercard data fields and American Express data fields.

Requirement	Level 2	Level 3
Region	US domestic payments only
Card type	Business, Corporate, Purchasing, or Fleet	Corporate, Purchasing, or Fleet
Tax	0.1% - 20%	0 USD or 0.1% - 20%
Excluded merchant category codes (MCCs)	3000-3350, 4511 (Airlines) 3351–3500, 7512, 7513 (Automobile/Vehicle Rental) 3501–3999, 7011 (Hotel/Motel) 4112 (Passenger Railways) 4411 (Cruise Lines) 4722 (Travel Agencies & Operators) 5812 (Eating Places & Restaurants) 5814 (Fast Food Restaurants)
Minimum fields	`processing.order_id` `processing.tax_amount`	`items[].commodity_code` `items[].discount_amount` `items[].name` `items[].quantity` `items[].reference` `items[].tax_amount` `items[].total_amount` `items[].unit_of_measure` `items[].unit_price` `processing.duty_amount` `processing.shipping_amount`

Tax can be 0 USD for Visa Level 2 transactions and still qualify for interchange reduction when both of the following apply:

The purchase amount is equal to, or greater than, 8000 USD
The card type is Corporate, Purchasing, or Fleet

Requirement	Level 2	Level 3
Region	US domestic payments only
Card type	Business, Corporate, Purchasing, or Fleet	Corporate, Purchasing, or Fleet
Tax	0.1% - 30%	0 USD or 0.1% - 30%
Excluded merchant category codes (MCCs)	3000-3350, 4511 (Airlines) 3351–3500, 7512, 7513 (Automobile/Vehicle Rental) 3501–3999, 7011 (Hotel/Motel) 4112 (Passenger Railways) 5812 (Eating Places & Restaurants) 7519 (Motor Home & Recreational Vehicle Rental)
Minimum fields	`processing.order_id` `processing.tax_amount`	`items[].commodity_code` `items[].discount_amount` `items[].name` `items[].quantity` `items[].reference` `items[].tax_amount` `items[].total_amount` `items[].unit_of_measure` `items[].unit_price` `processing.duty_amount` `processing.shipping_amount`

Tax can be 0 USD and still receive interchange reduction on MasterCard transactions for the following MCCs:

4111, 4131, 4215, 4468, 4784, 5541, 5542, 5499, 5983, 8211, 8220, 8398, 8661, 9211, 9311, 9399, 9402

Learn what the different MCC numbers mean.

Information

If you do not meet all of the requirements, you may still qualify for interchange reduction, but not for the maximum reduction across all card brands.

Level 2 and Level 3 fields can be submitted in either the payment or the capture request. Values submitted in the capture request will override values submitted in the payment request on a field-by-field basis.

For partial captures, the Level 2 or Level 3 data must be submitted in the capture request. If the data is sent in the payment request and a partial capture follows without the additional data, no data will be submitted to the card scheme.

Note

If you submit Level 2 or Level 3 data in a payment or capture request for a transaction that is not eligible for Level 2 or Level 3 categorization, the additional data is automatically dropped from the request when forwarded to the scheme.

When line item amounts are sent, they must correspond to the total tax, discount, line item, and overall amounts in the request message. With Visa and Mastercard, you may incur additional fees for payments with amounts that do not reconcile.

The sum of all items[].tax_amount values should be equal to the processing.tax_amount value displayed on the customer invoice.

The sum of all items[].discount_amount values should be equal to the processing.discount_amount value on the customer invoice.

Each items[n].total_amount value should be equal to (items[n].unit_price - items[n].discount_amount) * items[n].quantity. You can find these values on the customer invoice.

The amount value should be equal to the sum of the following values on the customer invoice:

All items[].total_amount values
The processing.tax_amount value
The processing.shipping_amount value
The processing.shipping_tax_amount value

Note

For a Level 3 Visa or Mastercard request, you can send a maximum of 50 item objects. For an American Express request, you can send a maximum of four item objects. Any additional items will be ignored.

Field	Description
`customer.tax_number` string	The customer's tax registration number. Up to 13 characters.
`items[].commodity_code` string	The commodity code for an item in this transaction. Up to 12 characters.
`items[].discount_amount` number	The discount applied to each invoice line item.
`items[].name` string	The description of the item purchased. Up to 26 characters.
`items[].quantity` integer	The number of units purchased.
`items[].reference` string	The merchant product identifier or Stock Keeping Unit (SKU). Up to 255 characters.
`items[].tax_amount` number	The total amount of sales tax for the line item.
`items[].total_amount` number	The total amount for the line item, excluding tax.
`items[].unit_of_measure` string	The unit of measure code used for the item in the transaction. Up to 12 characters.
`items[].unit_price` number	The unit cost of the item purchased.
`processing.discount_amount` number	The discount amount applied to the transaction by the merchant.
`processing.duty_amount` number	The total charges for any import or export duty included in the transaction.
`processing.order_id` string	The invoice or purchase order number provided by the cardholder. Up to 17 characters.
`processing.shipping_amount` number	The total amount of freight, shipping, and handling charges for the transaction.
`processing.shipping_tax_amount` number	The total amount of tax for the freight, shipping, and handling charges for the transaction.
`processing.tax_amount` number	The total amount of sales tax on the total purchase amount.
`shipping.address.country` string	The two-letter ISO country code of the destination address. Up to 2 characters.
`shipping.address.zip` string	The destination ZIP code or post code. Up to 50 characters.
`shipping.from_address_zip` string	The original ZIP code or post code. Up to 10 characters.


1{
2  "source": {
3    "type": "card",
4    "number": "4242424242424242",
5    "expiry_month": "12",
6    "expiry_year": "2025",
7    "cvv": "100"
8  },
9  "amount": 1500,
10  "currency": "USD",
11  "customer": {
12    "tax_number": "000123456"
13  },
14  "processing": {
15    "order_id": "01234",
16    "tax_amount": 30
17  },
18  "processing_channel_id": "pc_123xyz"
19}


1{
2  "amount": 1500,
3  "capture_type": "Final",
4  "reference": "ORD-5023-4E89",
5  "customer": {
6    "tax_number": "000123456"
7  },
8  "processing": {
9    "order_id": "01234",
10    "tax_amount": 30
11  },
12  "processing_channel_id": "pc_123xyz"
13}


1{
2  "source": {
3    "type": "card",
4    "number": "4242424242424242",
5    "expiry_month": "12",
6    "expiry_year": "2025",
7    "cvv": "100"
8  },
9  "amount": 1500,
10  "currency": "USD",
11  "customer": {
12    "tax_number": "000123456"
13  },
14  "processing": {
15    "order_id": "01234",
16    "tax_amount": 30,
17    "discount_amount": 0,
18    "duty_amount": 0,
19    "shipping_amount": 200,
20    "shipping_tax_amount": 0
21  },
22  "shipping": {
23    "address": {
24      "zip": "94111",
25      "country": "US"
26    },
27    "from_address_zip": "10014"
28  },
29  "items": [
30    {
31      "name": "Paint",
32      "quantity": 1,
33      "unit_price": 1270,
34      "reference": "Paint123",
35      "commodity_code": "123",
36      "unit_of_measure": "Liters",
37      "total_amount": 1270,
38      "tax_amount": 30,
39      "discount_amount": 0
40    }
41  ],
42  "processing_channel_id": "pc_123xyz"
43}


1{
2  "amount": 1500,
3  "capture_type": "Final",
4  "reference": "ORD-5023-4E89",
5  "customer": {
6    "tax_number": "000123456"
7  },
8  "processing": {
9    "order_id": "01234",
10    "tax_amount": 30,
11    "discount_amount": 0,
12    "duty_amount": 0,
13    "shipping_amount": 200,
14    "shipping_tax_amount": 0
15  },
16  "shipping": {
17    "address": {
18      "zip": "94111",
19      "country": "US"
20    },
21    "from_address_zip": "10014"
22  },
23  "items": [
24    {
25      "name": "Paint",
26      "quantity": 1,
27      "unit_price": 1270,
28      "reference": "Paint123",
29      "commodity_code": "123",
30      "unit_of_measure": "Liters",
31      "total_amount": 1270,
32      "tax_amount": 30,
33      "discount_amount": 0
34    }
35  ],
36  "processing_channel_id": "pc_123xyz"
37}

American Express only supports Level 2 data.

Field	Description
`customer.name` string	The customer's name.
`items[].name` string	The description of the item purchased. Up to 255 characters.
`items[].quantity` number	The number of units purchased.
`items[].unit_price` number	The unit cost of the item purchased.
`processing.order_id` string	The purchase order or invoice number provided by the cardholder. Up to 17 characters.
`processing.tax_amount` number	The total amount of sales tax on the total purchase amount.
`shipping.address.zip` string	The destination postal or ZIP code or post code. Up to 50 characters.


1{
2  "source": {
3    "type": "card",
4    "number": "345678901234564",
5    "expiry_month": 12,
6    "expiry_year": 2025,
7    "cvv": "1000"
8  },
9  "amount": 1500,
10  "currency": "USD",
11  "customer": {
12    "name": "John Smith"
13  },
14  "processing": {
15    "order_id": "01234",
16    "tax_amount": 130
17  },
18  "shipping": {
19    "address": {
20      "zip": "94111"
21    }
22  },
23  "items": [
24    {
25      "name": "Paint",
26      "quantity": 1,
27      "unit_price": 1270
28    }
29  ],
30  "processing_channel_id": "pc_123xyz"
31}


1{
2  "amount": 1500,
3  "capture_type": "Final",
4  "reference": "ORD-5023-4E89",
5  "customer": {
6    "name": "John Smith"
7  },
8  "processing": {
9    "order_id": "01234",
10    "tax_amount": 130
11  },
12  "shipping": {
13    "address": {
14      "zip": "94111"
15    }
16  },
17  "items": [
18    {
19      "name": "Paint",
20      "quantity": 1,
21      "unit_price": 1270
22    }
23  ],
24  "processing_channel_id": "pc_123xyz"
25}

Submit Level 2 or Level 3 data
Beta

Interchange reduction (US only)

Information

Information

When to submit Level 2 or Level 3 data

Note

Total amount calculation

Tax amount items

Discount items

Line item total amounts

Order amounts

Note

Visa and Mastercard data fields

Request example - Level 2

Request example - Level 3

American Express data fields

Request example