Start with an eligible commercial card.
Corporate, purchasing, government, and other commercial products can follow program rules that consumer cards do not. Card product and transaction context come first.
Card-not-present · Level 2/3 · Built by Lifted
Lifted Gateway.
Use live reporting and eligible remote refunds today, with a tokenized saved-card charge workflow in release gating, and keep operations in one Lifted-managed product. For eligible B2B, corporate, purchasing, and government cards, Lifted Gateway can submit the Level 2 and Level 3 fields needed to pursue the applicable commercial-card interchange qualification. New to this? See our guides to B2B credit card processing and lowering your processing fees.
Updated August 3, 2026 · Network sources and qualification language reviewed.
Level 2/3 appended automatically
E2EE tokenization · SAQ-A
Richer data, evaluated qualification
L2/L3
Illustrative. Lifted Gateway can attach configured fields, but actual interchange qualification depends on card type, current network rules, submitted data, and acquirer configuration.
Live reporting + product workflow preview
Live reports and refunds. Saved-card charge preview.
The reel starts with Lifted's live reporting interface, shows the saved-card charge product preview, and closes with the live workflow for refunding a qualifying completed transaction. Saved-card self-service remains in release gating.
The data used in qualification
What Level 2 and Level 3 actually add.
Commercial-card programs can evaluate tax, customer, invoice, PO, and line-item fields alongside card type and other current criteria. Lifted Gateway can append configured fields on eligible transactions.
- 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.
- One Lifted relationship. Gateway configuration, merchant processing, reporting, and optional custom workflows are designed and supported together.
Commercial-card qualification, without the mythology
01 · Identify
02 · Enrich
03 · Qualify
How interchange optimization with Level 2/3 data works
Interchange optimization with Level 2/3 data is a qualification process, not a universal discount. A correctly enriched commercial transaction may qualify for a different interchange category when it meets every applicable network and acquirer criterion; the goal is to submit the valid fields those current programs expect.
Attach complete, valid transaction data.
Lifted Gateway can append configured tax, customer, invoice, PO, and line-item fields on eligible transactions without repetitive staff keying.
Let current program criteria decide.
The network and acquirer assess the card, data, timing, transaction, and current program rules. Enhanced data can help, but does not guarantee a particular interchange category or savings.
Check the primary sources: Visa's current U.S. interchange reimbursement fee table and Mastercard's merchant interchange guidance. Published tables and criteria change; your assessed result is transaction-specific.
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 can evaluate the effect of valid enhanced data across meaningful commercial-card volume.
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 can review qualification transaction by transaction instead of assuming one rate applies to every sale.
One console, one book
Reporting, eligible refunds, and richer data — in one gateway.
The same product that supports richer commercial-card data gives merchants live operating visibility and refunds for qualifying completed transactions. Its saved-card browser charge workflow remains in release gating. It can sit alongside Lifted Pay, Lifted POS, and the merchant portal.
Questions
Level 2/3, answered straight.
What is Level 2/3 processing?
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). Valid enhanced data can be one factor in an eligible transaction's
interchange qualification, but every current network and acquirer criterion still applies.
How much can Level 2/3 save me?
It depends on commercial-card mix, ticket size, card type, submitted data, current network
tables, and acquirer configuration. Enhanced data may help an eligible transaction qualify for a different
commercial category, but it does not guarantee a particular interchange category or savings.
Start with a merchant application →
Do I have to enter the Level 2/3 data manually?
Lifted Gateway can append configured Level 2 and Level 3 fields automatically on
eligible transactions, reducing repetitive staff entry. The transaction still must meet the applicable network
and acquirer criteria.
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.