Level 3 processing for B2B and B2G merchants.
When a buyer pays with a corporate, purchasing, or government card and the merchant submits Level 3 line-item data, interchange drops materially. We populate the data — your merchant doesn't have to.
Level 3 Processing is used in B2B (Business-to-Business) and B2G (Business-to-Government) transactions to secure lower interchange rates and capture additional reporting detail. It requires more line-item information than a standard sale; missing even one required field disqualifies the transaction from Level 3 rates.
Many gateways aren't qualified for Level 3 — and even gateways that are often punt the data-population problem onto the merchant's checkout. We don't.
| Field names | Level 1 | Level 2 | Level 3 |
|---|---|---|---|
| Transaction Amount (Total amount) | ✅ | ✅ | ✅ |
| Date | ✅ | ✅ | ✅ |
| Tax Amount | ✅ | ✅ | |
| Customer Code (30 characters) | ✅ | ✅ | |
| Merchant Postal Code | ✅ | ✅ | |
| Tax Identification | ✅ | ✅ | |
| Merchant Commodity Code | ✅ | ✅ | |
| Merchant SIC Code | ✅ | ✅ | |
| Ship from Postal Code | ✅ | ||
| Ship to Postal Code | ✅ | ||
| Invoice Number | ✅ | ||
| Order Number | ✅ | ||
| Item Product Code | ✅ | ||
| Item Commodity Code | ✅ | ||
| Item Description | ✅ | ||
| Item Quantity | ✅ | ||
| Item Unit of Measure | ✅ | ||
| Item Extended Amount | ✅ | ||
| Freight Amount | ✅ | ||
| Duty Amount | ✅ |
Why this matters for your portfolio
B2B-heavy verticals — wholesale, distribution, professional services, GovCon — compare gateways primarily on Level 3 capability. Owning it natively, with auto-population, closes the deal that "yes, technically supported" loses.
Fluid Pay® Level 3 features
Save time with auto-population
Set merchant default fields to auto-populate where the data is constant for the merchant's vertical. Cuts the per-sale data entry that kills Level 3 adoption in practice.
Automatic BIN lookup
Transactions that qualify for Level 3 are automatically processed at Level 3 rates. Your merchant doesn't have to remember which cards are corporate.
Pairs with every Fluid Pay® product
Use Level 3 across the Virtual Terminal, Recurring Billing, E-Invoicing, and the rest of the gateway — same data, same auto-population, every channel.