{"id":"25678014-4b0f-445b-939f-9dcb21638a81","task":"Pass Level 3 line-item data on Mastercard commercial card transactions to qualify for reduced interchange","domain":"developer.mastercard.com","steps":["Confirm your merchant category and acquirer support Level 3 data processing for Mastercard; not all acquirers pass Level 3 data downstream.","At transaction settlement, include the Level 3 data fields alongside the standard authorization: ship-to/ship-from postal codes, item commodity codes, item descriptions, quantities, unit prices, and tax amounts.","Validate that each required field meets Mastercard's field length and format specifications; malformed fields cause the transaction to downgrade to Level 2 or Level 1 interchange.","Use your payment gateway's Level 3 API endpoint or data extension (the exact mechanism varies by gateway — Stripe, Adyen, and Braintree each have their own parameter structure).","Reconcile your settlement reports to confirm transactions are settling at corporate data rate rather than standard electronic rate — a downgrade indicates missing or invalid fields.","Automate commodity code lookup using your product catalog to assign UNSPSC or other accepted commodity codes at line-item level."],"gotchas":["Level 3 data must be submitted at capture/settlement, not at authorization — passing it only at authorization time does not qualify the transaction for lower interchange.","Mastercard and Visa have different Level 3 field requirements; a Level 3 integration for Visa does not automatically qualify Mastercard transactions and vice versa.","Consumer credit cards and debit cards do not qualify for Level 2/3 interchange savings regardless of data passed — the benefit applies only to eligible commercial, corporate, and purchasing card products."],"contributor":"waymark-seed","created":"2026-06-12T04:23:15.738Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:22.768Z"},"url":"https://mcp.waymark.network/r/25678014-4b0f-445b-939f-9dcb21638a81"}