Archive for the ‘Level 3 processing’ Category


Saturday, August 29th, 2015



What’s Next In Payments®
7:15 AM EDT August 28th, 2015

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The Following is a recent interview with regarding Level 3 processing.

The complexities facing merchants that process B2B and government procurement transactions are plentiful. But streamlining Level-3 processing may be a good place to start. Sean Jones, President of Revolution Payments Systems, sat down with PYMNTS to discuss how identifying qualifying transactions can lead to big savings for merchants.

PYMNTS: What do businesses accepting commercial and or government transactions need to do to qualify for Level-3 processing?

SJ: Well, that depends, because we focus on two different markets. A lot of our clients are government vendors and are not required to do Level-3 processing. In order to get them to qualify, we default the information based on what their industry is and send that behind the scenes. There are also merchants who are required to send Level-3 data, which is a more in-depth process. Those merchants must manually enter the transaction detail for the particular sale, including the purchase order number, product description and other detailed information. Essentially the solution is to setup qualifying merchants, which are those that sell primarily to any other business or government but are not in the travel and entertainment sectors, since those do not qualify.

A merchant may not have the ability to enter the Level-3 data necessary for an Internet transaction or a manufacturer that is mobile may only be able to process payments via a smartphone in the field; in these cases, pursuing Level-3 processing may be difficult. Whether the transaction takes place on a mobile device, online, is keyed in or even swiped, we can send this information for processing on the back end.

Even for businesses complying with Level-3 processing, there is still a good chance some portion of their transactions may not be receiving the lower interchange level.

PYMNTS: For those businesses able to accept lower interchange rates, what actual savings can be realized?  

SJ: It’s pretty significant. Again, this all takes place before the processors even add their markup, allowing for the interchange rates to be lowered up to 1.5 percent based on not sending the Level-3 data. Even Level-2 processing can save 65 basis points. On a regular corporate data rate Level-1 versus Level-2, 65 basis points on interchange before the processor even has their markup is substantial.

PYMNTS: B2B and government procurement transactions are often very complex and allow for a higher level of transaction detail than traditional business to consumer credit card transactions. What is the impact of these complexities for corporate and government sellers?

SJ: Eliminating complexities by sending that information on behalf of the merchants eases the challenges that come with Level-2 and Level-3 processing. These businesses need to be able to account for all transactions that can and will qualify for the Level-2 or Level-3 interchange rates.

PYMNTS: You have recently launched a payment gateway designed to minimize friction when it comes to the data entry associated with B2B and B2G payments. How does it work?

SJ: Our payment gateway defaults the information associated with a transaction based on the particular industry of the merchant, allowing us to process that information for a variety of transaction types, ranging from swiped to mobile. For Level-2 processing, we are able to calculate the tax amount automatically based on the specific state tax code. Our solution aims to ensure that any transaction that can qualify will receive the interchange rate for Level-3 processing.

PYMNTS: What is next for Revolution Payments Systems? What do you have in the works that you can disclose?

SJ: We are working on implementing EMV capabilities; right now we are doing testing on certification for the magnetic tech readers. At the present time, those in the field will not have an EMV-secured device and now the deadline is about three months out, so that’s our main focus now, is making sure we get those readers EMV- compliant.

Education is also a big focus. Over the years merchants have been conditioned to focus only on rate, but with Level-2 and Level-3 processing they are gaining up to 1.5 percent of revenue that’s got nothing to do with the rate being paid. Education is a big part of what we do by taking on a consultative approach, which is typically not there in a standard processor-merchant relationship, and is another value add that we provide.

Level 3 Merchant Processing

Friday, August 21st, 2015

Businesses accepting commercial and or government transactions can take advantage of lower interchange rates by passing level 3 line item detail.

Level 3 processing is a more sophisticated way of accepting commercial and government cards and include additional  enhanced transaction detail like you would find on an invoice.

A commercial transaction passed with level 3 line item detail vs. without it can be as high as 1.50%.  This is before processors add a markup.  If your looking for a way to reduce your transaction cost, consult with a level 3 merchant provider like Revolution Payments.

Revolution Payments is leading advocate and level 3 payments expert.  We have made qualifying for level 3 very easy and in fact can help you qualify for the level 3 reduced interchange rates without you lifting a finger.  Give us at 888 790 3450 or info@ to learn more.

To receive a No Obligation Level 3 processing audit fax your last months statement to 877 901 3181.


– T&E Merchants are ineligible to receive this rate.
– Transaction must be settled within 2 days of purchase date.
– Transaction may be swiped or keyed. Electronic auth required.
– Level II Data required.
Level III Data (line item detail) required.

1.75% + 0.10, This varies based on transaction size, type of card, rewards, fleet, etc.  Call for details.

Commercial Data Rate III Not Eligible: Travel and Entertainment – Restaurants (MCC 5812), Hotels (MCC 3501-3999, 7011), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), and Passenger Transport (MCC 3000-3299, 4511, 4112)



– Applies to all Purchasing and Corporate cards.
– Applies to all non-T&E MCC.
– CPS Qualification and Level III (line item detail) Data required.

Visa Business Cards Do Not qualify for Level 3 interchange.

1.85% + .10 cents.


Visa/MasterCard Large Ticket Interchange Program

Monday, August 17th, 2015

Visa/MasterCard Large Ticket Interchange Program.

Do you accept large transactions from your clients? If so Visa and MasterCard’s Large ticket interchange program will significantly lower your transaction cost. Well, it should.  Its important you work with an experienced B2B sales professional to ensure your account is set up properly and you receive 100% of benefits.


Purchasing Card Large Ticket 

• Must be registered with Visa and have a valid MVV • CPS Qualification • Non-T&E Merchant • Settlement within 7 days of transaction • Must have appropriate MVV value • Purchasing Card Level II: sales tax1 and customer code • Purchasing Card Level III: Level III2 data includes Level II data and line item detail

GSA Large Ticket 1.20% + $39.00

 Visa Purchasing Large Ticket 1.45% + $35.00



MasterCard Level II Large Ticket

• Applicable Electronic Authorization Data must be included and match Settlement Data • Magnetic card swipe must be passed in the authorization request for Fleet at fuel locations • Settlement within 1 day of transaction • 25% Authorization to transaction tolerance amount • Bars, Fast Food, E-Commerce and Automated Fuel Dispensers are exempt from the transaction amount tolerance • Level II3 Corporate Card Data (All Commercial Cards except, Fleet Cards at fuel locations) (Customer Code not required for Business or Corporate Cards) • Level III4 Purchasing Card Data • Level III4 data is required for fleet, non-fuel purchases • Card Acceptor Type and Tax ID required for Fleet Cards at fuel locations

1.20% + 40.00

You can see the savings is quite significant over, even Level 3 interchange rates.
If you have any questions regarding Level-3 processing or process high ticket transactions and would like  to learn more about the High Ticket Interchange Program

give us a call at 888 790 3450 or info@ or

fax your last months statement to 877 901 3181 for a No obligation confidential commercial card audit.


MasterCard Commercial Payments Account

Sunday, July 26th, 2015

MasterCard Commercial Payments Account:
April 11, 2014, MasterCard launched  a new virtual card product.

MasterCard Commercial Payments Account, is as an alternative payment solution to checks for business-to-business payments. Since the account number is associated with a virtual card product, all transactions will be card-not-present. There will be no physical plastic card and cardholders will not have PIN capabilities. MasterCard will also introduce a new MasterCard Commercial Payments Account interchange program that will have six tiers as depicted in the table below to support interchange based on different transaction amounts. Merchants will experience a shift in interchange as a result of this new virtual card product.

Tier Amount Rate
1 Less than $7,255.00 Large Market Applies
2 USD $7,255.00 – $25,000.00 1.20%
3 USD $25,000.01 – $100,000.00 1.00%
4 USD $100,000.01 – $500,000.00 0.90%
5 USD $500,000.01 – $1,000,000.00 0.80%
6 USD $1,000,000.01 and greater 0.70%

If your company is selling to other businesses or the government you require something different than a standard merchant account. Consulting with a B2B and Level-3 payment consultant can significantly impact your bottom line, not only with reduced expenses but value enhancing technology most businesses never take advantage of because their merchant service provide never took the time to explain and most likely did not understand himself.

Questions?  Give us a call at 888 790 3450 or email info@ Our Level 3 payment experts are standing by and happy to assist.