Level 2/3 processing that pays for itself on commercial cards.
B2B, corporate, purchasing, and government cards qualify for lower interchange — but
only when the transaction carries the extra data the card networks ask for. Our gateway sends that
Level 2 and Level 3 data automatically, so eligible commercial cards settle at their
interchange-optimized rate instead of the highest tier. New to this? See our guides to
B2B credit card processing and
lowering your processing fees.
Illustrative. Actual interchange qualification depends on card type, network rules,
and the data submitted — our gateway attaches it automatically so eligible cards qualify.
The data that lowers the rate
What Level 2 and Level 3 actually add.
Commercial cards only reach their lower interchange tier when the transaction carries the
fields the networks require. Our gateway appends them for you.
Level 2 — tax & codes. Sales-tax amount, customer code, and invoice or PO number attached to each sale.
Level 3 — full line items. Per-line quantity, unit of measure, unit price, and commodity codes — the detail purchasing departments and government buyers require.
Appended automatically. No extra keying at the counter — the gateway builds the L2/L3 payload on eligible transactions.
On rails we control. The routing layer under every Lifted payment product — card via Maverick, ACH and eCheck via NMI.
Who benefits most
If your customers pay on commercial cards, this is for you.
B2B sellers
Wholesalers, distributors, and suppliers whose buyers pay with corporate and purchasing cards see the biggest interchange difference when L3 line-item data is present.
Government & education
Vendors invoicing agencies, districts, and universities on GSA and purchasing cards — where L2/L3 detail is often required, not optional.
Corporate-card acceptors
Any business taking a meaningful share of corporate or commercial cards — the qualified rate applies transaction by transaction, so it compounds with volume.
One console, one book
Earnings, portfolio, and boarding — all in the gateway hub.
The same gateway that optimizes interchange runs the whole book: residuals and volume by
account, merchant boarding, and reseller tooling. It's the routing layer under
Lifted Pay, Lifted POS, and the
merchant portal.
Level 2 and Level 3 are extra data the card networks ask for on commercial-card transactions —
tax amount, customer and invoice/PO codes (Level 2), and full line-item detail like quantity, unit of
measure, and commodity codes (Level 3). When that data is present, eligible B2B, corporate, purchasing,
and government cards qualify for lower interchange.
How much can Level 2/3 save me?
It depends on your mix of commercial cards, ticket size, and the networks' current interchange
tables — so any figure is illustrative until we review a statement. The mechanism is real: eligible commercial
cards settle at their interchange-optimized rate instead of the highest tier. Note the rules are moving in 2026 —
Visa is folding Level 2/3 into its Commercial Enhanced Data Program (see
2026 interchange changes). Send us a statement
for a real number →
Do I have to enter the Level 2/3 data manually?
No. Our gateway appends the Level 2 and Level 3 data automatically on eligible
transactions, so commercial cards qualify without your staff keying extra fields.
Which cards qualify for Level 2/3 rates?
Commercial cards — B2B, corporate, purchasing, and government cards. Consumer credit and debit
cards don't use Level 2/3 interchange. Actual qualification depends on card type, network rules, and the data
submitted.
See it on your own numbers
Send one statement. Get an honest rate.
We'll read your current statement, show you the true all-in blended
rate, and quote interchange-plus with commercial cards optimized on Level 2/3. No application fee.
