What Specific Data Points are Required for Level 3 Qualification?
To achieve Level 3 qualification for your B2B transactions, you must submit a comprehensive set of enhanced line-item data that mirrors a commercial invoice. This transparency allows card issuers to assess risk more accurately and potentially grant lower interchange rates.
The specific data points required for a Level 3 transaction include:
- Invoice and Reference Numbers: A valid invoice number and a customer reference code or purchase card order number.
- Product Details: Item descriptions, specific product codes (SKU or UPC), and commodity identifiers.
- Pricing and Quantity: The quantity purchased, unit of measure, unit price, and the extended line-item total.
- Tax and Shipping Information: The specific tax amount (or tax indicator), freight or shipping charges, and both ship-from and ship-to postal codes.
- Merchant and Buyer Data: Merchant and consumer tax IDs and the destination country code.
We provide POS hardware and software solutions—such as Clover, Revel, and ShopKeep—that can be configured to capture these fields automatically at checkout. This integration helps automate the submission of enhanced Level 3 transaction data and reduces manual entry for your team.
Please note that eligibility for lower rates depends on the card network and specific card type; savings are not guaranteed. We are here to help you evaluate if your business qualifies for these lower tiers. Merchant must qualify for free or discounted hardware placements, and we proudly offer a No Cancellation Fee policy for our partners.
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