Submit Level 2 or Level 3 data
Beta

Last updated: October 15, 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
Eligible source of funds	Only cards funded by Credit (C) or Prepaid (P) sources are eligible for L2 and L3 interchange rates
Tax	A value between 0.1% to 22% of `amount`. A tax amount of zero is also permissible for Level 2 transactions greater than or equal to 8000 USD, if: `product` is either `Corporate`, `Purchasing`, or `Fleet` `line_item` data is not present	0 USD or a value between 0.1% to 22% of `amount`.
Reference	Must be less than or equal to 12 characters.
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`

Note

Transactions may qualify for large ticket interchange reduction if the amount is equal to or greater than 8000 USD and 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	A value between 0.1% to 30% of `amount`
Reference	Must be less than or equal to 12 characters.
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`

Transactions may qualify for large ticket interchange reduction if the amount is equal to or greater than 10000 USD and the card type is Corporate, Purchasing, or Fleet.

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].quantity * (items[n].unit_price - items[n].discount). You can find these values on the customer invoice.

Note

Do not include tax in the items[n].total_amount field.

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 12 characters.
`items[].tax_exempt` boolean	Indicates whether the products or services are tax-exempt. Mastercard only.
`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. See the Measure codes section for accepted values. 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 10 characters.
`shipping.from_address_zip` string	The original ZIP code or post code. Up to 10 characters.

Measure code	Definition
`ACRE`	A unit of area equal to 4840 square yards.
`ARES`	A unit of area equal to 100 square meters.
`CELI`	A unit of volume equal to one hundredth of a liter.
`CMET`	A unit of length equal to one hundredth of a meter.
`EACH`	One of two or more distinct items.
`FOOT`	A unit of length equal to 1/3 yard.
`GBGA`	A unit of volume equal to 8 pints.
`GBOU`	A unit of weight equal to one sixteenth of a pound.
`GBPI`	A unit of volume equal to 568 cubic centimeters.
`GBQA`	A unit of volume equal to 2 pints.
`GRAM`	A unit of weight equal to one 1,000th of a kilo.
`HECT`	A unit of area equal to 10,000 square meters.
`INCH`	A unit of length equal to 2.54 cm.
`KILO`	A unit of weight equal to 1000 grams.
`KMET`	A unit of measure equal to 1000 meters.
`LITR`	A unit of volume equal to 1000 cubic centimeters.
`METR`	A unit of length in the metric system equal to 39.37 inches.
`MILE`	A unit of length equal to 1760 yards.
`MILI`	A unit of volume equal to one thousandth of a liter.
`MMET`	A unit of length equal to one thousandth of one meter.
`PIEC`	A standard length of cloth or wallpaper, or amount of a substance sold as a single item.
`PUND`	A unit of weight equal to 0.454 kilograms.
`SCMT`	A unit of area equal to a square measuring one centimeter by one centimeter.
`SMET`	A unit of area equal to a square measuring one meter by one meter.
`SMIL`	A unit of area equal to a square measuring one millimeter by one millimeter.
`SQFO`	A unit of area equal to a square measuring one foot by one foot.
`SQIN`	A unit of area equal to a square measuring one inch by one inch.
`SQKI`	A unit of area equal to a square measuring one kilometer by one kilometer.
`SQMI`	A unit of area equal to a square measuring one mile by one mile.
`SQYA`	A unit of area equal to a square measuring one yard by one yard.
`TONS`	A unit of weight equal to 2240 pounds in Britain (long ton) and 2000 pounds in the US (short ton).
`USGA`	A unit of volume equal to eight pints.
`USOU`	A unit of weight equal to one sixteenth of a pound.
`USPI`	A unit of volume equal to 473 cubic centimeters.
`USQA`	A unit of volume equal to two pints.
`YARD`	A unit of length equal to 3 feet or 0.9144 meters.


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 12 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}

You can confirm that you received reduced Level 2 or Level 3 interchange fees using the free Predictive Interchange feature and the following reports:

Information

To enable Predictive Interchange (beta, subject to approval), contact your account manager or request support.

From when Predictive Interchange is enabled, the value in the Fee Detail field in both reports has a specific suffix per card scheme:

Card scheme	Fee Detail field suffix	Example
Mastercard	Data II	`MC US DOMESTIC COMMERCIAL CREDIT - WORLD ELITE - DATA II`
Mastercard	Data III	`MC US DOMESTIC COMMERCIAL CREDIT - LARGE MARKET - DATA III`
Visa	Level 2	`VISA US DOMESTIC COMMERCIAL CREDIT - CORPORATE - LEVEL 2`
Visa	Level 3	`VISA US DOMESTIC COMMERCIAL CREDIT - PURCHASING - LEVEL 3`

Information

Mastercard uses "data" range terminology for its enhanced interchange programs because the term "Level" has a different meaning in its fee structure.

Submit Level 2 or Level 3 data
Beta

Interchange reduction (US only)

Information

Note

Information

When to submit Level 2 or Level 3 data

Note

Total amount calculation

Tax amount items

Discount items

Line item total amounts

Note

Order amounts

Note

Visa and Mastercard data fields

Measure codes

Request example - Level 2

Request example - Level 3

American Express data fields

Request example

Confirm reduced interchange rates
Beta

Information

Information

Interchange reduction (US only)

Information

Note

Information

When to submit Level 2 or Level 3 data

Note

Total amount calculation

Tax amount items

Discount items

Line item total amounts

Note

Order amounts

Note

Visa and Mastercard data fields

Measure codes

Request example - Level 2

Request example - Level 3

American Express data fields

Request example

Confirm reduced interchange rates Beta

Information

Information

Confirm reduced interchange rates
Beta