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.

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}

shippingobject(shipping)

An object containing shipping details.

merchantobject

orderobject(order)

An object containing details about the order.

customerobject

Additional customer data.

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

{
    "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
            }
        ]
    }
}