Our Solutions are Level 3 Qualified

Whether you receive In-Person, Over the Phone, eCommerce (from your Web Site) or Recurring payments we should be your processor of choice.

The US credit card processing system is setup on a three level system. See Comparison Chart

  • Level 1 transactions are standard retail transactions. The card holder is using a personal credit card issued from an American bank.
  • Level 2 transactions are normally corporate cards issued from an American bank.
  • Level 3 transactions are government credit cards or corporate cards with line item detail. This detail is equivalent to the information found on an itemized invoice, requires greater system capability. Including this level of detail can help your transactions qualify for the lowest available interchange rates. The Level 3 classification applies to specially issued Purchase Cards (p-cards) that are able to accept an enhanced set of data about the goods and services that are being purchased.

    If your goods or services can be sold to government agencies or larger corporations, you should get setup with a merchant account that can facilitate Level 3 processing. Level 3 processing is exclusively used in business to business and business to government environments, GSA SmartPay Program.

If the criteria for being qualified is not met, the transaction downgrades to either a mid-qualified or non-qualified transaction. A certified product that collects and submits the data properly to Visa/MasterCard is required to qualify for Level 3 ( Level III ) processing pricing.

Interchange plus Pricing

All our Level 3 merchants, who qualify, receive Interchange plus Pricing. Interchange is the pricing base established by both Visa & MasterCard. Level 3 Interchange Rates

Save Time and Money

Card Type Interchange Rate Qualification (Best Rate- Data Rate 3)
MASTERCARD    
DATA RATE 3   QUALIFICATION REQUIREMENTS (LEVEL 3 DATA MUST BE PRESENT)
Commercial Card 1.80% + $0.10 * Not available to vehicle rental (MCC code - 3351-3500, 7512, 7513, 7519),
World Business 1.97% + $0.10 Lodging (3501-3999, 7011) Passenger Railway (4112), and Restaurant (5812).
World Elite Business 2.02% + $0.10 Also not available to Corporate Fleet transactions at Fuel Locations (MCC 4468,
World Corporate 1.80% + $0.10 5541, 5542, 5499, 5983 & 7511)
World Elite Corporate 1.80% + $0.10 * Authorization date must be within 3 days of clearing date
Enhanced Business 1.92% + $0.10 * Sales tax amount required (cannot = 0)
    * Large ticket transactions that qualify for both Corporate Large Ticket and Corporate
    Data Rate 3 will get a better rate with CLT if the amount is greater than $7272.72
     
DATA RATE 2    
CARD TYPE INTERCHANGE RATE QUALIFICATION REQUIREMENTS (LEVEL 2 DATA MUST BE PRESENT)
Commercial Card 2.10% + $0.10 * Not available to vehicle rental (MCC code - 3351-3500, 7512, 7513, 7519),
World Business 2.37% + $0.10 Lodging (3501-3999, 7011) Passenger Railway (4112), Restaurant (5812), Marinas (4468) Service Stations (5541) Automated Fuel Dispensers (5442),Convenience Stores (5499) , Fuel Dealers (5983), and Truck Stops (7511).
World Elite Business 2.42% + $0.10 Card, Cardholder and Merchant must be present and signature obtained
World Corporate 2.15% + $0.10 (can be key entered)
World Elite Corporate 2.15% + $0.10 * Authorization date must be within 3 days of clearing date
Business Data Rate 2 & Business F2F   * Sales tax amount required (cannot = 0)
Commercial Credit 2.20% + $0.10  
Enhanced Business 2.32% + $0.10  
Purchasing Data Rate 2 & Purchasing F2F    
Commercial Credit 2.10% + $0.10  
Fleet Data Rate 2 & Fleet Face to Face    
Commercial Credit 2.50% + $0.10  
     
DATA RATE 1    
CARD TYPE INTERCHANGE RATE  
Commercial Card 2.65% + $0.10 QUALIFICATION REQUIREMENTS (LEVEL 1 DATA MUST BE PRESENT)
World Business 2.82% + $0.10 * Not available to vehicle rental (MCC code - 3351-3500, 7512, 7513, 7519),
World Elite Business 2.87% + $0.10 Lodging (3501-3999, 7011) Passenger Railway (4112), and Restaurant (5812).
World Corporate 2.65% + $0.10 Card, Cardholder and Merchant must be present and signature obtained (Can be key entered)
World Elite Corporate 2.65% + $0.10 * Authorization date must be within 3 days of clearing date
Enhanced Business 2.77% + $0.10 * Authorization amount not required to equal the settled amount.
     
Highest Rate Available - Standard    
CORPORATE STANDARD    
Commercial Credit 2.95% + $0.10  
World Business 3.12% + $0.10  
Enhanced Business 3.07% + $0.10  
World Elite Business 3.17% + $0.10  
World Corporate 2.95% + $0.10  
World Elite Corporate 2.95% + $0.10  
     
VISA    
DATA RATE 3    
Commercial Non Travel Level 3 Purchasing   Qualification Requirements (MCC cannot be travel services)
Commericial Card 1.95% + $0.10 Level 2 & 3 data present, CPS qualified
     
Next Best Rate for Purchasing - Purchasing Card Electronic with Data    
Purchasing Card Electronic with Data   Qualification Requirements (MCC cannot be travel services)
Commericial Card 2.75% + $0.10 Level 3 data present, not CPS qualified
     
LEVEL 2    
Business/Purchasing Card Level 2   Qualification Requirements (Available only to B2B MCC's)
Commericial Card 2.05% + $0.10 Level 2 requirements met, CPS qualified
Business Enhanced 2.05% + $0.10 Sales tax amount required (Cannot =0)
Signature Business 2.05% + $0.10 Purchase date must be within 1 day of authorization date
Corporate Card Level 2    
Commericial Card 2.05% + $0.10  
     
Commericial Card B2B    
Business/Purchasing Card Level 2   Qualification Requirements (Available only to B2B MCC's)
Commericial Card 2.10% + $0.10 Level 2 requirements met, CPS qualified
Business Enhanced 2.25% + $0.10 Purchase date must be within 1 day of authorization date
Signature Business 2.40% + $0.10  
     
Next Best Rate - Retail    
Business Card Retail   Qualification Requirements (MCC cannot be travel services)
Commericial Card 2.20% + $0.10 Level 2 requirements met
Business Enhanced 2.30% + $0.10 Must clear within 2 days
Signature Business 2.40% + $0.10 Purchase date must be within 1 day of authorization date
Corporate Card Retail   CPS Qualified
Commericial Card 2.10% + $0.10  
Purchasing Card Retail    
Commericial Card 2.40% + $0.10
     
Business Card -Card Not Present (CNP)   Qualification Requirements (MCC cannot be travel services)
Commericial Card 2.25% + $0.10 Level 2 requirements met
Business Enhanced 2.45% + $0.15 Card Not Present
Signature Business 2.60% + $0.20 Must clear within 2 days
Corporate Card - CNP   Purchase date must be within 1 day of authorization date
Commericial Card 2.20% + $0.10  
Purchasing Card - CNP    
Commericial Card 2.65% + $0.10  
     
Business Card Electronic   Qualification Requirements (MCC cannot be travel services)
Commericial Card 2.40% + $0.10 Level 2 requirements met, not CPS qualified
Business Enhanced 2.75% + $0.15 Level 1 data is present
Signature Business 2.85% + $0.20 Transactions fail timeliness edits for other Commercial Programs
Corporate Card Electronic   T&E transactions that do not have market data
Commericial Credit 2.75% + $0.10  
Purchasing Electronic    
Commericial Credit 2.75% + $0.10  
     
Commercial Standard   Qualification Requirements
Commericial Card 2.95% + $0.10 Not CPS Qualified
Business Enhanced 2.95% + $0.20 Do Not contain Level 2 or 3 data
Signature Business 2.95% + $0.20 Transactions fail timeliness edits for other Commercial Programs
Business Card Standard   T&E transactions that do not have market data
Commericial Credit 2.95% + $0.20  
Business Card Standard Debit 2.95% + $0.10  

(*)This table is provided only for illustrative purposes and should not be construed as a listing of all the possible fields associated with each data level or that every processor will support all the possible data elements.

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