Archive for the ‘Level 3 processing’ Category

Commercial Cards, the different types and what they are used for!

Tuesday, January 20th, 2015

Commercial Cards and how they help businesses and their employees.

  • Allows for  emergency cash and card replacement
  • Enhance travel security and convenience while saving you money
  • Improve reporting with data consolidation that allows your company to group and analyze spending data by expense type, Merchant Category Code, geography, and more.
  • Quickly and easily pay for travel and entertainment expenses such as hotels, meals, and rental cars, without using personal funds or company cash advances.
  • Provide company travelers with benefits including access to cash via millions of ATMs.
  • Monitor compliance with spending policies and purchases toward negotiated volume thresholds.
  • Capture up to 40% and more of additional revenue on commercial transactions from Level-3 line item detail


From detailed auditing to electronic approvals and pre-population of expense reports, Visa Corporate card programs eliminate unnecessary administrative steps.

The Visa centralized and individual billing and payment options help ensure that your payment program aligns with your business needs. And, with the ability to download data right into your own expense management systems, the Visa Corporate card helps streamline your company’s administrative process.


Commercial cards have three types of cards:

  • Purchasing Card – issued to corporations. It allows the corporation numerous parameters to control daily and monthly spending limits, total credit limits and where the card may be used. Many employees may be issued the same card number.  Most state agencies and the government use P-Cards along with level-3 detail
  • Business Card – similar to the Corporate Card, but issued to a business with fewer employees. Each employee is responsible for his or her purchases.
  • Corporate Card – usually issued to the employees of a large corporation where the corporation assumes all liability for the card’s usage


These cards have the potential to add a tremendous amount of additional revenue.  Everything but Visa Business cards qualify for level-3 line item detail.  Level-3 detail allows you to to lower your transaction costs by 40% and more for including level 3 data with the payment transaction.

Level-3 requirements you use payment technology capable of supporting the level 3 payment requirements.  Terminals do not support level III. If your business accepts credit card transactions from other businesses and Are Not set up to send level 3 detail, your losing 40% of potential revenue on each of these transactions.


Have questions or interested in learning more about level-3 processing? Give one of our experts a call at 888 790 3450 or email info


Commercial Card Interchange and Savings from Level 2 and Level-3 Processing

Wednesday, December 17th, 2014


Commercial Card Interchange and Savings From Level 2 and Level-3 Processing

Card Types Eligible for Level 2 or 3 Data Rates Standard Interchange (Level 1 DR) Achievable Interchange (Level 2 DR) Achievable Interchange (Level 3 DR) Large Ticket (Level 3 DR)>$7,255.00 Statement Descriptor
MC Business 2.65% + $.10 2.20% + $.10 1.80% + $.10 1.25% + $40 MC ‐ COMM. DATA RATE 1/2/3/LRGE TKT B
MC Corporate 2.65% + $.10 2.10% + $.10 1.90% + $.10 1.35% + $40 MC ‐ COMM. DATA RATE 1/2/3/LRGE TKT
MC Fleet 2.65% + $.10 2.50% 1.80% + $.10 MC ‐ COMM.DATA RATE 1/2/3 FLEET
MC Purchase Card 2.65% + $.10 2.10% + $.10 1.90% + $.10 1.35% + $40 MC ‐ COMM. DATA RATE 1/2/3/LRGE PURC
MC Business Enhanced 2.77% + $.10 2.32% + $.10 1.92% + $.10 1.37% + $40 MC ‐ COMM. DATA RATE 1/2/3/LRGE TKT BUSINESS E
MC Business World 2.82% + $.10 2.37% + $.10 2.37% + $.10 1.42% + $40 MC ‐ COMM. DATA RATE 1/2/3/LRGE TKT B/ W
MC Business World Elite 2.87% + $.10 2.42% + $.10 2.02% + $.10 1.47% + $40 MC ‐ COMM. DATA RATE 1/2/3/LRGE TKT B/WE
Visa Corporate 2.20% + $.10 or2.10% + $.10 MCC 2.10% + $.10 or2.05% + $.10 MCC 1.95% + $.10 VS ‐ CORPORATE ‐ B2B/LEVEL 2 DATA/LEVEL 3 DATA/LARGE TICKET
Visa Purchase Card B2B 2.40% + $.10 2.05% + $.10 1.95% + $.10 1.45% + $35Ticket > $6980.00 VS ‐ PURCHASING ‐ B2B/LEVEL 2 DATA/LEVEL 3 DATA/LARGE TICKET
Visa Purchase Card CNP 2.65% + $.10 2.05% + $.10 1.95% + $.10 VS ‐ PURCHASING
Visa Purchase GSA Only 1.20% + $39Ticket > $6484.00 VS ‐ GSA LARGE TICKET
Visa Business Card CNP 2.25% + $.10 or2.10% + $.10 MCC 2.05% + $.10 VS ‐ BUSINESS ‐ CNP/B2B/LEVEL 2 DATA
Visa Business Enhanced CNP 2.45% + $.10 or2.25% + $.10 MCC 2.05% + $.10 VS ‐ BUSINESS ENHANCED ‐ CNP/B2B/LEVEL 2 DATA
Visa Business Signature CNP 2.60% + $.10 or2.40% + $.10 2.05% + $.10 VS ‐ BUSINESS SIGNATURE ‐ CNP/B2B/LEVEL 2 DATA

Please Note! Because You Send Level 2 or level 3 line item information Does Not mean your automatically receiving 100% of the available discounts. Its recommended to consultant and have an experienced B2B and B2G payment

Consultant set up and or review your merchant account.  Questions?  Give Revolution Payment Systems a  call at 888 790 3450 or email info@

Visa Changes to US Domestic Commercial Card Fee Rates October 2014

Wednesday, December 17th, 2014

Visa Interchange updates effective October 2014


Fee Program Current Rate New Rate
Visa Corporate Elect Non T/E 2.75% + $0.10 2.95% + $0.10
Visa Corporate B2B 2.10% + $0.10 2.55% + $0.10
Visa Corporate Card CNP 2.20% + $0.10 2.65% + $0.10
Visa Corporate Card Retail 2.10% + $0.10 2.50% + $0.10
Visas Corporate Non Travel Lvl 3 1.95% + $0.10 1.85% + $0.10
Visa US Corporate Electronic w/Data 2.75% + $0.10 2.95% + $0.10
Visa Purchasing Elect Non T/E 2.75% + $0.10 2.95% + $0.10
Visa Purchasing Non Travel Lvl 3 1.95% + $0.10 1.85% + $0.10
Visa US Purchase Travel Service 2.45% + $0.10 2.55% + $0.10
Visa Purchasing Card B2B 2.40% + $0.10 2.55% + $0.10
Visa Purchasing Retail 2.40% + $0.10 2.50% + $0.10
Visa Purchasing Card Electronic w/Data 2.75% + $0.10 2.95% + $0.10

Visa Purchasing Large Ticket Interchange Program

Friday, December 12th, 2014

Both Visa and MasterCard have a High Ticket Interchange Program that can save you up to 1.50% on your commercial, fleet, purchasing and government credit card transactions.

Originally limited to 35 designated B2B Merchant Category Codes (MCCs)

• As of April 7, 2006, program opened all non T&E

Purchasing Card Large Ticket  Program T&E MCCs (Excluded)

MCC  merchant Category Code Description

  • 3000-3999 Airlines/Car Rental Companies/Hotels
  • 4112 Passenger Railways
  • 4411 Steamship and Cruise Lines
  • 4511 Airlines and Air Carriers
  • 4722 Travel Agencies and Tour Operators
  • 5812 Eating Places and Restaurants
  • 5814 Fast Food Restaurants
  • 7011 Lodging – Hotels, Motels, Resorts
  • 7512 Automobile Rental Agency

To learn more about the High Ticket Program or receive a no obligation commercial card audit from one of our specialized B2B /B2G  payment consultants

Give us a call at 888 790 3450 or email info@

Process Government (GSA) Purchase Cards?

Capturing level II and III data if you accept commercial or government tranasactions

Saturday, November 22nd, 2014


Did you know your company can qualify for lower interchange rates by collecting more information when you process a commercial, fleet, purchase, business or government credit card?

By programming your credit card terminal to prompt for 2 things, you can gain up to a half % of additional revenue that is currently going to the card issuers  or by entering a few fields of information into your virtual terminal you can reduce interchange by up to 1.50%?  100% of interchange goes to the credit card issuing bank and remains the same regardless of your processor.

Interchange also amounts to 75%-80% of the fees businesses incur to accept credit cards, level II and Level  III enhanced detail is something most banks don’t want you to know, because once you do, working with an experienced B2B or B2G payment consultant allow you to convert a big chunk of this revenue back to your bottom line.

If your current payment consultant has Not talked to you about this, I suggest getting a second opinion from an experienced level II or III Payment professional.  Having a low rate is great, but the best of the best consultants can help you add up to 1.50% of additional revenue to your bottom line by implementing value enhancing technology and education most sales reps Do Not understand.
Questions on processing level 2 or level 3 enhanced payment detail call us at 888 790 3450 or email info


PS. Sell to the government? Ask us how level 3 processing can help increase government sales.


How to save money accepting commercial cards by including level 3 line item detail

Saturday, November 8th, 2014

Processing Level III Line item detail is a must for any business accepting government cards, fleet cards, commercial cards and purchase cards.

Not sending level 3 and working with an experienced level 3 payment processor and your losing up to 40% of additional revenue on every commercial related transaction.

Level III processing defines whats being purchased (like an invoice) and  passes along with the payment transaction.


Level III qualified transactions can save a merchant up to $10.00 per $1,000 in sales.

The majority of merchants are either unaware of level 3 and its advantages or unwilling to set up a  level 3 merchant account due to the initial implementation times and additional line item detail required when transmitting a sale.


Revolution Payment Systems’ Level III payment solutions and experience  allow merchants to pass level 3 detail with ease.  We have also been serving the Business-2-Business and Business-2-Government space for

almost 20 years.


If you have questions about processing level 3 detail or would like to speak to one of our level 3 processing experts give us a call at 888 790 3450 or email info @

PS.  Revolution payment systems can support Level 3 processing through Quickbooks, mobile, e-commerce, Magento and has a solution for users.

Revolution Payment Systems, Leading the way when it comes to Level-3 Line item detail

Friday, October 24th, 2014

Revolution Payment Systems, Leading the way when it comes to Level-3 Line item detail

Many business owners who sell to other businesses and or government process these transactions no different than any other transaction they accept

This is costing you additional revenue that should be going to your bottom line.

On the surface, a Commercial and Purchase look like a typical   credit card, but possesses more features, controls and capabilities.

They Can Be Set Up To Control

•   Daily Spend

•   Number of monthly transactions

•   Monthly Spending

•   Amount allowed per transaction 

•   Daily Transactions

•   Where the card can be used (Industry Type)


These cards can also be processed with Level-3 Line Item Detail.  Level-3 detail defines what’s being purchased and includes this with the credit card transaction.

Commercial Cards were created with tiered interchange rates to encourage GSA government vendors to pass level 3 detail which in turns lowers cost often by 40% or more.100% of interchange goes back to the bank that issued the credit card and remains the same regardless of the processor you choose.  Level 3 allows you to capture additional revue  this is and will otherwise go back to the card issuing bank.

Level-3 requires different technology and a sales professional who understands Level 3 Processing.  Because a merchant sends level 3 processing detail Does Not mean you automatically receive Level 3 rates.


Revolution Payment Systems has the ability to pass level 3 line item detail on your behalf without changing the way you do business.  We can also support Level 3 detail with Quickbooks, Magento, Mobile, Swiped and have a solution for merchants using and shopkeep.

Questions? Give us a call at 888 790 3450 or email info @

Accepting Government Purchase Cards and require level 3?