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With credit card transactions, different levels of data submission are critical for businesses engaged in different types of transactions. There are three levels of interchange data submission available:

Major card brands Visa & MasterCard each have specific requirements that merchants must adhere to to offer them the best interchange rates. American Express and Discover do not accept direct Level II or Level III data submissions for lower interchange rates at this time.

Below is a breakdown of the key data required for Level II and Level III data submission for each card brand.

Note: Each additional level of data submission, Level I to Level II to Level III data, requires all data from the previous level in addition to the new data required.

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Below is a breakdown of the key data required for Level II and Level III data submission for each card brand.

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Level I Interchange Data Requirements

All transactions, regardless of card brand, must meet these data requirements to qualify for basic interchange or Level I:

Merchant & Transaction Information - Basic data provided about the Merchant and Transaction, including:

Customer / Cardholder Information - Essential customer and card data used to pay, including:

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Level II and III Interchange Data Requirements

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Once you are familiar with these requirements, visit <<Submit Level II & III interchange data article>> Submit Interchange Data with Transactions below to learn the different methods available to submit this data.

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Visa

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1. Merchants must process 1 to 6 million Visa transactions per year.

2. Merchants must process between $20,000 and $1,000,000 in annual e-commerce transactions.

3. Merchants must submit the following forms to the Visa Verification team:

   1. Annual Attestation of Compliance (AOC)

   2. Annual Self-Assessment Questionnaire (SAQ)

   3. Quarterly Network Scan by an Approved Scan Vendor (ASV2)

Visa

Read more information about Visa requirements below:

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MasterCard

In addition to the parameter qualifications below, MasterCard also requires the following conditions to be met from Merchants before they can submit Level II or Level III data for lower interchange rates:

1. Merchants must process a combined total of 1 to 6 million MasterCard & Maestro transactions per year.

2. Merchants must process between $20,000 and $1,000,000 in annual e-commerce transactions.

3. Merchants must submit the following forms to the MasterCard:

   1. Annual Attestation of Compliance (AOC)

   2. Annual Self-Assessment Questionnaire (SAQ)

   3. Quarterly Network Scan by an Approved Scan Vendor (ASV2)

Read more information about MasterCard requirements below:

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The following card types can be used for Level II data submission:

• Corporate Purchasing

• Business Credit

• Enhanced Business Credit

• Signature Business Credit

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Read more information about MasterCard requirements below:

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American Express

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Merchants processing American Express transactions are required to obtain pre-approval before initiating Level II data processing. Level II data parameters from Visa or MasterCard would apply here.

To receive approval, Merchants must submit a “Level 2 Merchant’s Validation Documentation” which includes summaries from Quarterly Network Scan and a completed PCI Self Assessment Questionaire. Once granted, American Express accepts both Level I and Level II data, offering Level II interchange rates.

Visit the American Express US Data Security site for more information.

Discover

Submit Interchange Data with Transactions

& Discover

There is no additional work or line item data submisssion required by American Express or Discover.

Both card brands provide lower interchange rates on their respective networks, calculated and adjusted based exclusively on the cardholder’s card type (e.g. business card, corporate card, etc.).

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Submit Interchange Data with Transactions

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submit submit

To take advantage of lower interchange rates, this Level II and Level III data must be submitted alongside your transaction. This ensures the customer’s card brand network can receive and assess the data to determine which interchange rate the transaction will receive.

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API

The Payrix API provides a straightforward method of submitting Level II and Level III data values alongside transactions. Read the information below to learn more.

To submit Level II transaction data using the /txns Payrix API endpoint, send the following request:

POST https://test-api.payrix.com/txns

{
   "merchant":"{yourMerchantID}",
   "payment":{
      "number":"{customerCardNumber}",
      "cvv":"{customerCardCVV}"
   }
   "expiration":"MMYY",
   "type":2,
   "order":"INVOICE#1",
   "total":7799,
   "tax":100,
}

Required Parameters

Type

Description

Valid Values / Format

merchant

string

The identifier of the Merchant associated with this Transaction.

payment

object

The payment method associated with this Transaction, including the card details.

number

number

For credit payment method, the card number of the credit card associated with this Transaction.
For the eCheck payment method, the bank account number is associated with this Transaction.

cvv

integer

The Card Verification Value (CVV) number of the credit card associated with this Transaction.

This field is expressed as a 3-digit integer.

expiration

number

The expiration date of the credit card associated with this Transaction.

This field is stored as a text string in 'MMYY' format, where 'MM' is the number of a month and 'YY' is the last two digits of a year. For example, '0623' for June 2023.

type

integer

The type of Transaction.

1 - Credit Card Only: Sale Transaction. Processes a sale and charges the customer.

2 - Credit Card Only: Auth Transaction. Authorizes and holds the requested total on the credit card.

3 - Credit Card Only: Capture Transaction. Finalizes a prior Auth Transaction and charges the customer.

4 - Credit Card Only: Reverse Authorization. Reverses a prior Auth or Sale Transaction and releases the credit hold.

5 - Credit Card Only: Refund Transaction. Refunds a prior Capture or Sale Transaction (total may be specified for a partial refund).

7 - eCheck Only: eCheck Sale Transaction. Sale Transaction for eCheck payment.

8 - eCheck Only: eCheck Refund Transaction. Refund Transaction for prior eCheck Sale Transaction.

11 - eCheck Only: eCheck Redeposit Transaction. Attempt to redeposit a prior failed eCheck Sale Transaction.

12 - eCheck Only: eCheck Account Verification Transaction. Attempt to verify eCheck payment details.

total

number

The total amount of this Transaction.

This field is specified as an integer in cents.

tax

integer

The total sum of this Transaction’s tax amount.

This field is specified as an integer in cents.

Non-Profit and Governmental entities that qualify for tax-exempt status can apply this setting to their platform entity. This provides the proper mapping for Level II data submission when tax amounts are set to 0%.

To apply tax-exempt status to non-profit entity groups using the /parameters Payrix API endpoint, send the following request:

POST https://test-api.payrix.com/parameters

{
  "login": "{{yourLoginID}}",
  "org":"{{merchantsOrg/GroupID}}",
  "autoTaxExemptEnabled":"1",
  "inactive":"0",
  "frozen":"0",
  }

{
    "errors": [
        {
            "code": 23,
            "severity": 2,
            "msg": "Invalid request for this type of user authentication"
        }
    ]
}

Your successful response should look like the following:

Inelgibile Merchant Types (MCCs) for Tax Exempt Level II Interchange Rates

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API

The Payrix API provides a straightforward method of submitting Level II and Level III data values alongside transactions. Read the information below to learn more.

POST https://test-api.payrix.com/txns

{
   "merchant":"{yourMerchantID}",
   "payment":{
      "number":"{customerCardNumber}",
      "cvv":"{customerCardCVV}"
   }
   "expiration":"MMYY",
   "type":2,
   "order":"INVOICE#1",
   "total":7799,
   "tax":100,
}

Valid Values:

POST https://test-api.payrix.com/parameters

{
  "login": "{{yourLoginID}}",
  "org":"{{merchantsOrg/GroupID}}",
  "autoTaxExemptEnabled":"1",
  "inactive":"0",
  "frozen":"0",
  }

{
    "errors": [
        {
            "code": 23,
            "severity": 2,
            "msg": "Invalid request for this type of user authentication"
        }
    ]
}

{
    
    "id": "t1_par_1abc2d34ef5g6h7ij89kl01",
    "created": "2023-10-05T13:00:33.442Z",
    "modified": "2023-10-05T13:00:33.442Z",
    "creator": "t1_log_1abc2d34ef5g6h7ij89kl01",
    "modifier": "t1_log_1abc2d34ef5g6h7ij89kl01",
    "login": "t1_log_1abc2d34ef5g6h7ij89kl01",
    "org": "t1_org_1abc2d34ef5g6h7ij89kl01",
    "division": "t1_div_1abc2d34ef5g6h7ij89kl01",
    "partition": "t1__1abc2d34ef5g6h7ij89kl01",
    "autoTaxExemptEnabled": "1",
    "inactive": "0",
    "frozen": "0",
    "minTxnTotal": "null",
    "maxTxnTotal": "null",
    "maxTxnDailyTotal": "null",
    "maxTxnDailyNum": "null",
    "maxTxnMonthlyTotal": "null",
    "maxTxnMonthlyNum": "null",
    "maxSubscriptionFailures": "null",
    "minPayoutCreditTotal": "0001",
    "maxPayoutCreditTotal": "null",
    "minPayoutDebitTotal": "-0001",
    "maxPayoutDebitTotal": "null",
    "minAvailableFunds": "null",
    "minStatementDebitPayoutDelay": "5",
    "minFundsPayoutTotal": "500",
    "minPayoutDelay": "3",
    "minFirstPayoutDelay": "3",
    "payoutDelayIncludeOffDays": "0",
    "verifyDisabledpayoutIncludePending": "0",
    "verifyForBoardingNotRequiredamexEnabled": "0",
    "verifyForPayoutNotRequiredoptBlueEnabled": "0",
    "refundReleasesReservediscoverEnabled": "0",
    "vendorFeesEnableddiscoverAcquiredEnabled": "0",
    "vendorFeesExternalmc3dsEnabled": "0",
    "visaMisuseSettlementvisa3dsEnabled": "100",
    "visaMisuseTravelAutoSettlementamex3dsEnabled": "200",
    "visaMisuseCardPresentReversaldiscover3dsEnabled": "240",
    "visaMisuseCardNotPresentReversaleCheckEnabled": "1680",
    "mcMisuseSettlementfundingEnabled": "1200",
    "minEcheckCaptureDelaydebtRepaymentEnabled": "0",
    "minDebitProcessingDelayverifyDisabled": "50",
    "minBoardingOwnershipverifyForBoardingNotRequired": "0",
    "boardingExemptionsDisabledverifyForPayoutNotRequired": "0",
    "mcMisuseCardPresentReversalrefundReleasesReserve": "240",
    "mcMisuseCardNotPresentReversalvendorFeesEnabled": "720",
    "mcMisuseTravelAutoReversalvendorFeesExternal": "4800",
    "boardingDisabledvisaMisuseSettlement": "010",
    "autoReboardDaysvisaMisuseTravelAutoSettlement": "6020",
    "surchargeEnabledvisaMisuseCardPresentReversal": "024",
    "mcInstantPayoutsEnabledvisaMisuseCardNotPresentReversal": "0168",
    "visaInstantPayoutsEnabledmcMisuseSettlement": "0120",
    "mcInstantPayoutMinminEcheckCaptureDelay": "0",
    "mcInstantPayoutMaxminDebitProcessingDelay": "75000005",
    "visaInstantPayoutMinminBoardingOwnership": "0",
    "visaInstantPayoutMaxboardingExemptionsDisabled": "50000000",
    "sameDayPayoutsEnabledmcMisuseCardPresentReversal": "024",
    "applePayEnabledmcMisuseCardNotPresentReversal": "072",
    "googlePayEnabledmcMisuseTravelAutoReversal": "0480",
    "sameDayPayoutsDailyMaxboardingDisabled": "null0",
    "minSameDayPayoutCreditTotalautoReboardDays": "null60",
    "maxSameDayPayoutCreditTotalsurchargeEnabled": "null0",
    "minSameDayPayoutDebitTotalmcInstantPayoutsEnabled": "null0",
    "maxSameDayPayoutDebitTotalvisaInstantPayoutsEnabled": "null0",
    "accountUpdaterEnabledmcInstantPayoutMin": "0",
    "updateAllTokensEnabledmcInstantPayoutMax": "07500000",
    "accountUpdaterFrequencyvisaInstantPayoutMin": "300",
    "minDebitedAvailableFundsvisaInstantPayoutMax": "05000000",
    "getParametersEnabledsameDayPayoutsEnabled": "0",
    "payoutCutoffTimeapplePayEnabled": "null0",
    "declineNotificationEmailgooglePayEnabled": "0",
    "decisionMicroserviceEnabledsameDayPayoutsDailyMax": "0null",
    "holdMessagesDisabledminSameDayPayoutCreditTotal": "0null",
    "txnDecisionMicroserviceEnabledmaxSameDayPayoutCreditTotal": "null",
    "minSameDayPayoutDebitTotal": "null",
    "maxSameDayPayoutDebitTotal": "null",
    "accountUpdaterEnabled": "0",
    "updateAllTokensEnabled": "0",
    "accountUpdaterFrequency": "30",
    "omniTokenEnabledminDebitedAvailableFunds": "0",
    "passTokenEnabledgetParametersEnabled": "0",
    "debitGracePeriodpayoutCutoffTime": "null",
    "negativeBalanceLimitdeclineNotificationEmail": "null0",
    "negativeBalanceEmail": "0",
    "positiveBalanceEmail": "0"
}

 "decisionMicroserviceEnabled": "0",
    "holdMessagesDisabled": "0",
    "txnDecisionMicroserviceEnabled": "0",
    "omniTokenEnabled": "0",
    "passTokenEnabled": "0",
    "debitGracePeriod": "null",
    "negativeBalanceLimit": "null",
    "negativeBalanceEmail": "0",
    "positiveBalanceEmail": "0"
}

See the descriptions below for the applicable response parameters.

Inelgibile Merchant Types (MCCs) for Tax Exempt Level II Interchange Rates

To s

POST https://test-api.payrix.com/txns

{
   "merchant":"{yourMerchantID}",
   "payment":{
      "number":"{customerCardNumber}",
      "cvv":"{customerCardCVV}"
   }
   "expiration":"MMYY",
   "type":2,
   "order":"INVOICE#1",
   "total":7799,
   "tax":100,
   "items":[
      {
         "item":"Line Item #1",
         "description":"Line Item Description"
         "quantity":1,
         "price":7799,
         "um":"EACH",
         "commodityCode":"1111999",
         "total":5799,
         "discount":-2000,
         "productCode":"UPC12345"
      },
   ]
}

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