To take advantage of lower interchange rates, this Level 2 and Level 3 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.
Before you begin, we recommend checking each card’s Level 2 and Level 3 processing eligibility. Visa and MasterCard are the only card brands that can receive additional data to influence their interchange rates. As a result, it is important to verify the card brand before submitting data with the intention of reducing interchange rates.
A primary example is card brands American Express and Discover, which don’t offer direct data submission options for Level 2 or 3 data to obtain lower interchange rates.
A simple API query (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 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 2 or Level 3 data submissions.
To qualify for interchange data submission with Visa or MasterCard, you must meet one of each of the following response values when checking card types using the /bins endpoint:
Required Parameter
Acceptable Values
Required Parameter
Acceptable Values
method
2 - Visa
3 - MasterCard
type
credit - Credit Card
debit - Debit Card
debitCredit - Debit or Credit Card
charge - Purchasing or Charge Card
category
business - Business credit or debit card.
corporate - Corporate credit or debit card.
In the response, you’ll be looking specifically for the method, type, and category values.
The name of the bank that issued the card used in the Transaction.
address
string
The issuing bank street address.
city
string
The city of issuing bank.
state
string
The 2-digit issuing bank state or province code.
Example: CO = Colorado
country
string
The 3-digit missing bank country code.
Valid Values:
USA - United States
CAN - Canada
Default is USA
zip
string
The 5-digit issuing bank postal code.
locationType
string
The type of location of the issuing bank.
Valid Values:
branch - Branch location
main - Main headquarters
newBin
string
The bank issuer number (BIN) or routing number that replaces or supersedes the bin field value (where applicable).
website
string
The website of the bank that issued the card used in the Transaction.
phone
string
The phone number of the bank that issued the card used in the Transaction.
transferEnabled
integer
Valid Values:
0 - Push-to-card transfer disabled.
1 - Push-to-card transfer enabled.
numberLength
string
The number of digits expected for account numbers with this BIN.
debitOverCreditEnabled
integer
Whether this debit card may be charged as credit over the credit networks.
Valid Values:
0 - Debit charge as 'credit' disabled.
1 - Debit charge as 'credit' enabled.
billPayEnabled
integer
Whether this card may be used for bill pay features.
Valid Values:
0 - Bill pay capability disabled.
1 - Bill pay capability enabled.
pinlessSupport
string
What type of pinless charging is allowed on this debit card.
Valid Values:
none - No pinless support, PIN (Personal Identification Number) must always be provided.
restricted - Some pinless support, PIN (Personal Identification Number) may not always be necessary.
full - Full pinless support, PIN (Personal Identification Number) may be omitted for pinless payments.
Tip: You can also view a card type, BIN, and additional card information in the Portal for previous transactions through the Payment Details tab on the Transaction Details page for the associated card type.
Submit Level 2 & Level 3 Data
There are multiple methods to submit Level 2 or Level 3 data, read through the basic methods below to find the best workflow for your business:
Portal
The Portal offers a very simple way to manually enter and submit Level 2 and Level 3 values with payment transactions. Read the steps below to learn more:
To submit Level 2 transaction data using the Create Payments page:
Step 2: Enter all applicable data. Then, under Customer Details, check “Submit this transaction as LEVEL 2 PROCESSING” to reveal Level 2 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 2 interchange rates.
Step 4: (Optional) Follow the steps below to also include Level 3 data.
Click Process Payment to complete the submission.
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 2 data submission when tax amounts are set to 0%.
To apply tax-exempt status to non-profit entity groups from the Groups page:
Click Save to complete the Merchant enrollment in the Tax Exempt Group.
Tax Exempt Exceptions:
MCC
Type / Description
MCC
Type / Description
4111
Transportation—Suburban and Local Commuter Passenger, including Ferries
4131
Bus Lines
4215
Courier Services
4468
Marinas, Marine Service/Supplies
4784
Bridge and Road Fees, Tolls
5499
Misc Food Stores
5541
Service Stations
5542
Automated Fuel Dispenser
5983
Fuel Dealers
8211
Elementary and Secondary Schools
8220
Colleges
8398
Charities
8661
Religious Orgs
9211
Court Costs
9222
Gov’t Fines
9311
Tax Payments
9399
Gov’t Services Not Elsewhere Classified
9402
Gov’t Postal Services
To submit Level 3 transaction data using the Create Payments page:
Step 1: Complete steps 1-3 above from the Level 2 submission step above.
Step 2: Check “Submit this transaction as LEVEL 3 PROCESSING (All fields must be completed)” to reveal Level 3 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 OFMEASURE, 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.
API
The Payrix API provides a straightforward method of submitting Level 2 and Level 3 data values alongside transactions. Read the information below to learn more.
To submit Level 2 transaction data using the /txns Payrix API endpoint, send the following request:
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.
PayFields is a unique offering that seamlessly integrates a payment gateway into your existing HTML website package and eliminates PCI Compliance risk. Submitting Level 2 and Level 3 data values can be easily done by adding new fields. Read the information below to learn more: