Level 3 Processing equals lower Interchange Rates

Why Level 3 Credit Card Processing is so important

Level 3 Processing equals lower Interchange Rates by reclassifying the codes on commercial credit card transactions.

For most businesses, credit card processing fees are in the top 5 of all expenses.

All business people and entrepreneurs are busy, but the time invested in learning the basics about what I’m about to share will pay off in spades for those accepting commercial and or government credit cards.

Understanding what determines your rates and the fees that impact your bottom line cost, will help you make more informed decisions when choosing a processing partner.

Up to 80% of the fees you pay to accept credit cards goes back to the bank that issued your clients card, Not Your Processor!

This is referred to as interchange, interchange is the same regardless of the processor. This is yet another reason why banks issue credit cards, they earn the interchange fee anytime one of their cards used.


For B2B & government purchases, the interchange fees fall into one of 3 interchange categories — Level 1, Level 2, and Level 3 – with 1 being the highest rates and 3 being the lowest.

These different tiers depend on whether level 3 detail is entered, if not, the transactions clears at a different interchange rate (level 1) and has an interchange cost of roughly 1% more.

This 1% is applied to interchange before a processor applies whatever rate they are going to charge. Level 3 Processing equals lower Interchange Rates!

You may have a great rate and your processor may honestly be trying to do a great job for you however, if you accept commercial or government cards without level 3 detail, your losing 1% of revenue on every transaction, for reason that have nothing to do with your processors rate.

Revolution Payments developed technology that automates this and helps businesses meet these requirements resulting in qualifying for MasterCard and Visa’s lower rates.

These reduced rates are passed on you, dramatically lowering your fees and saving  many cases as much as 1%-1.5% on  processing fees.

Level 3 Processing equals lower Interchange Rates, receive your free no obligation complimentary and confidential analysis Today!


Call 888 790 3450 or email [email protected]


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