Lower B2B Costs:
Level 2 & 3 Data Optimization
For businesses handling B2B (business-to-business) and government transactions, Level 2 and Level 3 data optimization is a critical strategy to significantly lower credit card processing costs. By submitting enhanced transaction details beyond basic payment information, you qualify for substantially lower interchange rates, driving considerable savings for high-value and commercial card payments that often come with higher default fees.
The Financial Advantage of Enhanced Data for B2B Payments
Standard credit card transactions (Level 1) include basic data like card number, expiration date, and amount. However, commercial, corporate, and government purchasing cards (often used in B2B transactions) are eligible for much lower interchange rates if more detailed information is provided at the time of authorization and settlement.
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Level 2 Data: Includes Level 1 data plus customer code, tax amount, and invoice number.
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Level 3 Data: Includes all Level 2 data plus granular line-item details like product codes, quantities, unit prices, shipping costs, and duty amounts.
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Failure to capture and transmit this enhanced data often results in these transactions downgrading to higher, less favorable interchange rates, costing businesses thousands in avoidable fees annually.
How Our Analysis Drives
Level 2 & 3 Savings
Our specialized merchant statement analysis meticulously reviews your B2B transaction streams and payment gateway setup to ensure optimal Level 2 and Level 3 data capture. We focus on:
Identifying
Eligible
Transactions
Pinpointing which of your transactions are using corporate or government purchasing cards that qualify for Level 2/3 rates.
System
Configuration
Working with you and your payment gateway/POS provider to ensure your systems are configured to automatically capture and transmit all required data fields.
Data
Accuracy
Advising on best practices to ensure the accuracy and completeness of the enhanced data submitted.
Tangible Benefits of
Level 2 & 3 Optimization
We turn complex data requirements into significant cost savings for your business.
Stop overpaying for commercial card transactions. Contact us today to schedule your merchant statement analysis. Let us help you implement Level 2 and Level 3 data optimization and unlock significant savings for your B2B business.