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Processing for Corporate & Commercial Credit Cards

For Business to Business merchants, Visa & Mastercard offer reduced interchange when additional data elements are included in processing for Corporate and Commercial credit cards.

Level 2​

Level 2 only requires a valid sales tax amount to be supplied using the taxAmount field. If tax exempt, then either supply a taxAmount of zero, or omit the field entirely from your request. Most B2B merchants will have these 2 data elements and should absolutely pass them, if possible.

Request: Level 2 Example
POST /payments
{
 "amount": 1000,
 "taxAmount": 99,
 ... // remaining payment details
}

Note: it is expected that the amount field includes the taxAmount, ie: the amount field is the total amount the customer will be charged.

Level 3​

Level 3 interchange reduction requires substantial transaction and order detail at individual line item detail including: item description, item quantity, item unit of measure, item freight / shipping amount, item commodity code, item discount amount, duty amount, product code, unit cost, discount per line item and line item total.

Most B2B merchants will not have the ability to pass this level of line item detail from their ERP or order management system. However, for larger merchants this may be applicable.

Request: Level 3 Example
POST /payments
{
 ... // other payment details
 "level3": {
   "taxAmount": 100,
   "taxRate": 0.1,
   "dutyAmount": 50,
   "freightAmount": 10,
   "discountAmount": 20,
   "shipFromZip": "10001",
   "shipTo": {
     "name": "Bob Jane",
     "email": "[email protected]",
     "phone": "555-123-4456",
     "phoneType": "H",
     "address": {
       "line1": "1 Bond Avenue",
       "city": "New York",
       "state": "NY",
       "postalCode": "10020",
       "countryCode": "USA"
     }
   },
   "lineItems": [
     {
       "commodityCode": "123",
       "description": "Random Widget",
       "discountAmount": 10,
       "discountIndicator": true,
       "lineItemTotal": 90,
       "productCode": "3823",
       "quantity": 2,
       "taxType": "string",
       "unitCost": 50,
       "unitOfMeasure": "NMB"
     }
   ]
 }
}

Please contact our customer support team for required backend enablement to support either of these features.

Our Create Payment API specification has details of the various fields applicable to Level3, and our Level 2 or 3 transaction processing page has details of test card numbers to use when testing these features in our Sandbox environment.