In 2025, business-to-business (B2B) spending is at an all-time high, with more corporate buyers using purchasing and commercial cards for large transactions. For merchants, this shift brings opportunity—but also higher interchange fees, unless you’re equipped to handle Level 2 and Level 3 processing.
At 1 DASH, we help B2B merchants unlock the lower rates hidden behind enhanced data. If your business accepts corporate, purchasing, or government cards, Level 2 and 3 processing could save you up to 1% per transaction.
Why This Matters in 2025
Visa and Mastercard reward merchants who submit additional transaction data by reducing the interchange rate for qualifying B2B and B2G purchases. As corporate card usage continues to rise across construction, wholesale, healthcare, and professional services, the cost savings of enhanced data are more important than ever.
Without it, you’re likely paying full commercial rates—which are often the highest in the industry.
What’s the Difference?
- Level 1: Standard consumer transactions. Minimal data required.
- Level 2: Includes additional fields like tax amount, customer code, and PO number.
- Level 3: Adds line-item details—item descriptions, quantities, unit costs, freight, etc.
The more data you submit, the lower your interchange rate—but only if your system is set up to deliver it correctly.
How 1 DASH Maximizes Your B2B Processing
We make Level 2/3 processing simple by:
- Auditing your current transactions to identify savings opportunities
- Upgrading your gateway or terminal to automatically pass enhanced data
- Configuring tax and field requirements for maximum compliance
- Training your team to ensure consistent data entry and formatting
Whether you’re running QuickBooks, an ERP, or a cloud-based POS, 1 DASH integrates with your tools to make cost savings seamless.
Real Savings Example
A construction supply company processes $80,000/month in corporate card sales.
Without Level 2/3: average effective rate = 2.95%
With Level 2/3: average effective rate = 1.95%
Annual savings: ~$9,600
Bottom Line
As B2B commerce grows, so do your processing expenses—unless you’re set up to qualify for the best possible rates. 1 DASH helps you capture those savings with Merchant Services that think smarter.
Contact us today for a complimentary B2B processing audit and see how Level 2/3 optimization can impact your bottom line in 2025.