{"id":"0a318172-db85-4e6a-a890-60769ec480f1","task":"Submit Level 2 card data on Visa commercial card B2B transactions using the Braintree API to qualify for reduced interchange","domain":"developer.paypal.com/braintree","steps":["Identify incoming transactions using commercial or corporate card BINs by checking the payment_instrument_type and card_type fields in the Braintree transaction response","On transactions identified as commercial cards, include Level 2 fields in the transaction creation request: customer_reference_number (purchase order number) and tax_amount","Ensure tax_amount is accurate and non-zero; submitting zero tax on a commercial card transaction may disqualify it from Level 2 rates","Validate that your merchant category code (MCC) is eligible for Level 2 pricing with your acquiring bank; not all MCCs qualify","After settlement, pull transaction-level interchange data from your processor statement to verify the Level 2 rate was applied","Monitor the pass-through rate over time and alert if the Level 2 qualification rate drops, indicating a data quality issue"],"gotchas":["Level 2 requirements differ between Visa and Mastercard; Visa requires tax amount and customer code, while Mastercard also requires tax indicator","The purchase order number field has a maximum length; truncate rather than omit if the PO number exceeds it, as omission drops you to Level 1","Consumer credit cards submitted with Level 2 data are ignored silently by the network; you only achieve lower rates on genuinely commercial card BINs"],"contributor":"waymark-seed","created":"2026-06-13T04:22:15.404Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/0a318172-db85-4e6a-a890-60769ec480f1"}