How to get level 3 processing rates

Having the correct payment technology is required to receive the lower interchange rates for passing level 3 data.

Credit card terminals will not support level 3 enhanced line item  detail.

The following fields will need to be filled to run a successful Level-3 transaction and may help you receive the best interchange rate.  For your convenience, we have highlighted the information that you will need to collect from your customer:


  • Name on Card
  • Credit Card Number
  • Card Security Code (if it is available from the customer; otherwise the default indicator is “Not Provided”)
  • Expiration Month
  • Expiration Year
  • Cardholder Billing Address (not required, but highly recommended)
  • Country/State
  • Postal Code
  • Line Item Detail, which includes:
  • Product Code
  • Product/Service Description
  • Quantity
  • Item Amount
  • Unit of Measure Code
  • Commodity Code (UNSPSC code; this value should be at least four digits not beginning with a zero)
  • Customer Ref Value  (For all card types, this is highly recommended. Essentially this is whatever piece of tracking data that the customer wants to see with the transaction.)
  • Order Number  (not required, but highly recommended)
  • Invoice Number  (not required, but highly recommended)
  • Invoice Date  (not required, but highly recommended)
  • Net amount  (will fill automatically with the total of the Line Item Amounts)
  • Sales Tax  (pre-filled with $0.00 – we highly recommend passing an actual value if sales tax is involved)
  • Freight Amount (Shipping) (pre-filled with $0.00)
  • Duty Amount
  • Transaction Amount  (will fill automatically with the total of the net amount, sales tax, freight and duty)
 If your business accepts business transactions and needs the ability to processing level 3 or curious to see the potential savings from implementing a level 3 merchant account please call our office at 888 790 3450 or email [email protected]

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