If your business accepts corporate, purchasing, or government credit cards, there’s a powerful way to reduce your processing costs—yet many merchants have never heard of it.
It’s called Level 2 and Level 3 data processing, and it’s especially relevant for B2B and B2G transactions. By supplying extra transaction details at the point of sale, you may qualify for significantly lower interchange rates from both Visa and Mastercard.
At 1 DASH, we help merchants unlock this hidden savings opportunity through smart technology, compliant gateways, and ongoing optimization.
What Are Level 2 and Level 3 Transactions?
Credit card processing is divided into three levels based on how much transaction detail is provided:
- Level 1: Standard consumer transactions (minimal data)
- Level 2: Includes tax amount, customer code, and purchase order number
- Level 3: Adds line-item detail such as SKU, quantity, unit price, and freight info
Visa and Mastercard offer reduced interchange rates for Level 2 and Level 3 transactions as a reward for providing more data—which helps them reduce fraud and improve reporting.
How Much Can You Save?
Level 3 processing can reduce your interchange rate by up to 1.00% per transaction—especially on high-ticket B2B purchases.
Example:
- A Level 1 business transaction may be charged 2.95%
- The same transaction processed at Level 3 may qualify for 1.95% or lower
That’s a meaningful difference, particularly if you regularly process invoices or sales over $1,000.
Is My Business Eligible?
You may benefit from Level 2 or Level 3 if:
- You accept corporate, purchasing, or government cards
- You sell to other businesses or agencies
- You invoice large amounts or recurring high-ticket transactions
- You use a gateway or terminal that supports enhanced data entry
How 1 DASH Helps
At 1 DASH, we specialize in Merchant Services with Intelligence—and Level 2/3 optimization is part of our core strategy:
- We configure your terminal or gateway to automatically submit the required data
- We help your team understand how to enter and pass enhanced data correctly
- Our systems keep you PCI compliant while minimizing friction at checkout
Don’t Leave Savings on the Table
If you’re processing B2B or government payments without Level 2 or Level 3 data, you’re likely overpaying. With 1 DASH, it’s easy to implement—and the savings can be substantial.
📞 Contact us today for a free evaluation of your current setup and a plan to activate Level 2/3 optimization.