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Real-Time Payments Merchant Services - Level III Credit Card Processing

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  • Level 3 Credit Card Processing

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. Our systems are integrated with Accounting / Billing / CRM / Invoicing software for level III 3 credit card processing

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

Comparative Example*

Data Type

Level-1

Level-2

Level-3

Merchant DBA Name
X
X
X

Transaction Amount (Total)
X
X
X

Date
X
X
X

Tax Amount

  
X
X

Customer Code
(25 Characters)

  
X
X

Merchant Postal Code

  
X
X

Tax Identification

  
X
X

Merchant Minority Code

  
X
X

Merchant State Code

  
X
X

Ship from Postal Code

    
X

Destination Postal Code

  
X

Invoice Number

    
X

Order Number

    
X

Product Code

    
X

Product Commodity Code

    
X

Product Description

    
X

Product Quantity

    
X

Product Unit of Measure

    
X

Product Extended Amount

    
X

Freight Amount

    
X

Duty Amount

    
X

(*)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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