Page Comparison

Before you begin, we recommend checking each card’s eligibility for Level II and Level III processing as American Express and Discover don’t offer direct data submission options for Level II or III to qualify for lower interchange rates. A simple query shown below will quickly identify the card type:

GET https://test-api.payrix.com/bins

The response will display the method (card brand), type (debit, credit, or both), and card category (personal, corporate card, etc.), which will allow you to know before submitting the additional data if the card brand network supports lower interchange rates or Level II or Level III data submissions.

To submit Level II transaction data using the Create Payments page:

• Step 1: Navigate to the Create Payment page under Payments

• Step 2: Enter all applicable data. Then, under Customer Details, check “Submit this transaction as LEVEL 2 PROCESSING” to reveal Level II fields.

• Step 3: Enter the TAX and ORDER NUMBER values.

  • Note: If the entity is tax-exempt, you may enter '0'. See the steps below to enable tax-exempt status.

  • Note: If you are not a tax-exempt entity, you must adhere to Visa, Mastercard, and local government sales tax rates and regulations to receive lower Level II interchange rates.

• Step 4: (Optional) Follow the steps below to also include Level III data.

Click Process Payment to complete the submission.

Warning: Visa does not allow tax-exempt Merchants to qualify for Level II interchange regardless of MCC code.

MasterCard allows the following MCCs to qualify for Level II interchange rates if the business is 100% tax-exempt:

To submit Level III transaction data using the Create Payments page:

• Step 1: Complete steps 1-3 above from the Level II submission step above.

• Step 2: Check “Submit this transaction as LEVEL 3 PROCESSING (All fields must be completed)” to reveal Level III fields.

• Step 3: Enter the SHIPPING AMOUNT, DUTY AMOUNT & ORDER DISCOUNT value.

• Step 4: Under Order Items, enter the DESCRIPTION, COMMODITY CODE, PRODUCT CODE, ITEM PRICE, ITEM DISCOUNT, QUANTITY, UNIT OF MEASURE, and ITEM TOTAL for each item.

• Step 5: (Optional) Add additional Order Items as needed by clicking Add Item at the bottom of each new item form.

Click Process Payment to complete the submission.

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

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

Warning: Tax rate must be set according to status and regulation:

• If you are a tax-exempt entity, you may enter 0 in the tax field. See the steps below to enable tax-exempt status.

• If you are not a tax-exempt entity, you must adhere to Visa, Mastercard, and local government sales tax rates and regulations to receive lower Level II interchange rates.

Tax-exempt status is available for Commercial Retail and Commercial Card Not Present transactions only.

Warning: To enable the /parameters endpoint and autoTaxExemptEnabled parameter for your Group(s), contact your Payrix representative.

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

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

Warning: Visa does not allow tax-exempt Merchants to qualify for Level II interchange regardless of MCC code.

MasterCard allows the following MCCs to qualify for Level II interchange rates if the business is 100% tax-exempt:

Error: If you do not first contact Payrix to enable access to the /parameters endpoint, you will receive the error below:

{
    "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",
    "payoutIncludePending": "0",
    "amexEnabled": "0",
    "optBlueEnabled": "0",
    "discoverEnabled": "0",
    "discoverAcquiredEnabled": "0",
    "mc3dsEnabled": "0",
    "visa3dsEnabled": "0",
    "amex3dsEnabled": "0",
    "discover3dsEnabled": "0",
    "eCheckEnabled": "0",
    "fundingEnabled": "0",
    "debtRepaymentEnabled": "0",
    "verifyDisabled": "0",
    "verifyForBoardingNotRequired": "0",
    "verifyForPayoutNotRequired": "0",
    "refundReleasesReserve": "0",
    "vendorFeesEnabled": "0",
    "vendorFeesExternal": "0",
    "visaMisuseSettlement": "10",
    "visaMisuseTravelAutoSettlement": "20",
    "visaMisuseCardPresentReversal": "24",
    "visaMisuseCardNotPresentReversal": "168",
    "mcMisuseSettlement": "120",
    "minEcheckCaptureDelay": "0",
    "minDebitProcessingDelay": "5",
    "minBoardingOwnership": "0",
    "boardingExemptionsDisabled": "0",
    "mcMisuseCardPresentReversal": "24",
    "mcMisuseCardNotPresentReversal": "72",
    "mcMisuseTravelAutoReversal": "480",
    "boardingDisabled": "0",
    "autoReboardDays": "60",
    "surchargeEnabled": "0",
    "mcInstantPayoutsEnabled": "0",
    "visaInstantPayoutsEnabled": "0",
    "mcInstantPayoutMin": "0",
    "mcInstantPayoutMax": "7500000",
    "visaInstantPayoutMin": "0",
    "visaInstantPayoutMax": "5000000",
    "sameDayPayoutsEnabled": "0",
    "applePayEnabled": "0",
    "googlePayEnabled": "0",
    "sameDayPayoutsDailyMax": "null",
    "minSameDayPayoutCreditTotal": "null",
    "maxSameDayPayoutCreditTotal": "null",
    "minSameDayPayoutDebitTotal": "null",
    "maxSameDayPayoutDebitTotal": "null",
    "accountUpdaterEnabled": "0",
    "updateAllTokensEnabled": "0",
    "accountUpdaterFrequency": "30",
    "minDebitedAvailableFunds": "0",
    "getParametersEnabled": "0",
    "payoutCutoffTime": "null",
    "declineNotificationEmail": "0",
    "decisionMicroserviceEnabled": "0",
    "holdMessagesDisabled": "0",
    "txnDecisionMicroserviceEnabled": "0",
    "omniTokenEnabled": "0",
    "passTokenEnabled": "0",
    "debitGracePeriod": "null",
    "negativeBalanceLimit": "null",
    "negativeBalanceEmail": "0",
    "positiveBalanceEmail": "0"
}

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"
      }
   ]
}

<script>
  PayFields.fields = [
    {type: "number", element: "#number"},
    {type: "cvv", element: "#cvv"},
    {type: "name", element: "#name"},
    {type: "address", element: "#address"},
    {type: "expiration", element: "#expiration"}
    {type: "tax", element: "#tax"}
    {type: "order", element: "#order"}
  ];
</script>

<script>
  PayFields.config.apiKey = "ab123c4def5g6hijkl7890m12345no6p";
  PayFields.config.merchant = "t1_mer_123ab4c567defg8h90123i45";
  PayFields.config.amount = {Transaction Amount};
  <!---- continued by Step 3 ----> 

<!---- preceeded by Step 2 ---->
  PayFields.config.order = {order number};
  PayFields.config.tax = {tax number};
  PayFields.config.billingAddress = {
    address: '123 Madison Street',
    city: 'New York',
    state: 'NY',
    zip: '12345',
    email: '',
    phone: '5555555555',
    address2: 'Suite 555',
    company: 'Essential Co',
    country: 'USA'
  };
  PayFields.config.invoiceResult = {Invoice Object}
</script>

<div>     
  <label for="tax">Tax:</label>     
    <!-- Div for tax field iframe  -->     
    <div id="tax" class="form-row">     
    </div>   
</div>

<!DOCTYPE html>
<html>
<head>
  <meta charset="utf-8">
  <script type="text/javascript" src="https://test-api.payrix.com/payFieldsScript"></script>
  <title>PayFields Test</title>
</head>
<body>
<input type="button" id="submit" value="Pay"></input>
  <!-- Button needed for PayFrame -->
<script>
    PayFields.button = {element: "#submit", value: "Pay"};
</script>
<script>
  PayFields.fields = [
    {type: "number", element: "#number"},
    {type: "cvv", element: "#cvv"},
    {type: "name", element: "#name"},
    {type: "address", element: "#address"},
    {type: "expiration", element: "#expiration"},
    {type: "tax", element: "#tax"},
    {type: "order", element: "#order"},
  ];
</script>
<script>
  PayFields.config.apiKey = "ab123c4def5g6hijkl7890m12345no6p";
  PayFields.config.merchant = "t1_mer_123ab4c567defg8h90123i45";
  PayFields.config.amount = 500;
  PayFields.config.order = {orderNumber};
  PayFields.config.tax = {taxNumber};
  PayFields.config.billingAddress = {
    address: '123 Madison Street',
    city: 'New York',
    state: 'NY',
    zip: '12345',
    email: '',
    phone: '5555555555',
    address2: 'Suite 555',
    company: 'Essential Co',
    country: 'USA'
  };
  PayFields.config.invoiceResult = {invoiceObject}
</script>
</body>
</html>

<script>
  PayFields.fields = [
    {type: "discount", element: "#discount"},
    {type: "shipping", element: "#shipping"},
    {type: "duty", element: "#duty"},
    {type: "items", element: "#items"}    
  ];
</script>

<script>
  PayFields.config.discount = {discount number};
  PayFields.config.shipping = {shipping number};
  PayFields.config.duty = {duty number};
  PayFields.config.items = {items Object}
</script>

<div>     
  <label for="tax">Tax:</label>     
    <!-- Div for tax field iframe  -->     
    <div id="tax" class="form-row">     
    </div>   
</div>

<!DOCTYPE html>
<html>
<head>
  <meta charset="utf-8">
  <script type="text/javascript" src="https://test-api.payrix.com/payFieldsScript"></script>
  <title>PayFields Test</title>
</head>
<body>
<input type="button" id="submit" value="Pay"></input>
  <!-- Button needed for PayFrame -->
<script>
    PayFields.button = {element: "#submit", value: "Pay"};
</script>
<script>
  PayFields.fields = [
    {type: "number", element: "#number"},
    {type: "cvv", element: "#cvv"},
    {type: "name", element: "#name"},
    {type: "address", element: "#address"},
    {type: "expiration", element: "#expiration"},
    {type: "tax", element: "#tax"},
    {type: "order", element: "#order"},
    {type: "discount", element: "#discount"},
    {type: "shipping", element: "#shipping"},
    {type: "duty", element: "#duty"},
    {type: "items", element: "#items"}
  ];
</script>
<script>
  PayFields.config.apiKey = "ab123c4def5g6hijkl7890m12345no6p";
  PayFields.config.merchant = "t1_mer_123ab4c567defg8h90123i45";
  PayFields.config.amount = 500;
  PayFields.config.order = {orderNumber};
  PayFields.config.tax = {taxRatePercent};
  PayFields.config.discount = {discountNumber};
  PayFields.config.shipping = {shippingNumber};
  PayFields.config.duty = {duty number};
  PayFields.config.items = {items Object};
  PayFields.config.billingAddress = {
    address: '123 Madison Street',
    city: 'New York',
    state: 'NY',
    zip: '12345',
    email: '',
    phone: '5555555555',
    address2: 'Suite 555',
    company: 'Essential Co',
    country: 'USA'
  };
  PayFields.config.invoiceResult = {invoiceObject}
</script>
</body>
</html>