How does Level 3 Data Reduce Interchange Rates for B2b Sales?

When you submit Level 3 data processing for B2B transactions, you are providing card networks with high-definition transparency that reduces the perceived risk of the payment. By attaching detailed line-item information to a charge—rather than just the basic amount and date—card issuers can confirm the transaction is a legitimate business-to-business purchase. This increased detail allows the transaction to qualify for more favorable interchange categories that carry lower rates than standard processing.

To move a transaction from standard Level 1 or Level 2 processing into the lower-cost Level 3 tier, we help you capture and transmit specific enhanced Level 3 transaction data fields, including:

• Item descriptions and Product codes (SKU or UPC)
• Quantities and Unit prices
• Tax amounts and Invoice numbers
• Freight or shipping amounts
• Ship-from and ship-to postal codes

For high-ticket B2B sellers like wholesalers and distributors, submitting this granular record mirrors how corporate buyers track purchases, helping you optimize costs on the corporate, purchasing, and government cards you already accept.

We provide POS hardware and software solutions—such as Clover, Revel, and ShopKeep—that can be configured to capture these fields natively, automating the process so it doesn’t disrupt your workflow. As your partner for better payment processing, we can review your current setup to see if you qualify for these lower interchange tiers. We offer competitive wholesale rates, same-day setup, and No Cancellation Fee.

Click here to qualify for your FREE POS System. Merchant must qualify for free or discounted hardware; eligibility and interchange qualification are subject to underwriting and card network rules.

• Level 3 Processing for B2B: A Practical Guide for 2026