# Corporate purchasing data (level 2 / level 3)

Submit additional order, tax, and line item data in your payment authorization and settlement requests where your customer is using a commercial or purchasing card.

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summary
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Benefits
| Benefit | Description |
|  --- | --- |
| **Reduced interchange fees** | If you are a US based merchant, you can qualify for lower interchange fees on transactions by providing additional order-specific data, such as tax reference, product code or sales tax amount. Card networks often offer lower rates for transactions with enhanced data, reducing processing costs. |
| **Enhanced fraud detection** | Detailed transaction data allows card networks to better authenticate purchases, reducing fraud and chargeback rates. |
| **Improved dispute management** | With comprehensive transaction details, card networks can better handle and resolve disputes. This reduces the time and effort you spend managing chargebacks and can lead to faster resolutions. |
| **Increased customer trust and satisfaction** | Providing enhanced data improves transaction transparency, giving customers more confidence in their purchases. It also leads to more accurate transaction records on your customer's statements, minimizing confusion or disputes. |
| **Compliance with industry standards** | Card networks increasingly require detailed transaction data to maintain compliance with industry standards and processing requirements. |


## Pre-requisites

To benefit from sending level 2 and level 3 data, the following must apply to your transaction:

#### Mastercard

* transaction must be taxable
* tax must be between 0.1% and 30% of the transaction amount
* for level 3 the transaction must use a corporate, business or purchasing card
* for level 3 at least one line item must be included


#### Visa

* transaction must be taxable
* tax must be between 0.1% and 22% of the transaction amount
* for level 3 the transaction must use a corporate or purchasing card


## Parameters

You can submit Level 2 and level 3 data within the following root-level objects in the following endpoints:

* `/cardPayments/customerInitiatedTransactions`
* `/cardPayments/merchantInitiatedTransactions`
* `/payments/settlements/full/{linkData}`
* `/payments/settlements/partials/{linkData}`


### Level 2 data

To qualify for level 2, you must send at a minimum:

* `merchant.taxReference`
* `customer.reference`
* `order.salesTax` or `order.taxExempt` if `order.salesTax` is 0.


### Level 3 data

To qualify for level 3, you must send level 2 data and at a minimum:

* `order.discountAmount`
* `order.shippingAmount`
* `order.dutyAmount`
* `order.items`


## Code example


```json
{
    "merchant": {
        "taxReference": "VAT1999292",
    },
    "shipping": {
        "recipient": {
            "address": {
                "postalCode": "NW1 6XE",
                "countryCode": "GB"
            }
        },
        "sender": {
            "address": {
                "postalCode": "NW1 6XE"
            }
        }
    },
    "customer": {
        "reference": "CUST00000001"
    },
    "order": {
        "invoiceReference": "INV000123451",
        "salesTax": 3500,
        "discountAmount": 400,
        "shippingAmount": 150,
        "dutyAmount": 325,
        "orderDate": {
            "day": 1,
            "month": 3,
            "year": 2024
        },
        "taxExempt": false,
        "items": [
            {
                "productCode": "fff-1223",
                "commodityCode": "ABC123",
                "name": "Red Hat",
                "quantity": 4,
                "unitCost": 3500,
                "unitOfMeasure": "kg",
                "totalAmountNoTax": 2000,
                "totalTaxAmount": 2000,
                "totalAmount": 2000,
                "totalDiscountAmount": 2000
            }
        ]
    }
}
```