Attach Level 2 and Level 3 line-item data to a commercial card authorization to qualify for lower interchange rates

Steps

1. Detect that the card being used is a commercial (purchasing or corporate) card by examining the card product type returned in the authorization response or a pre-auth BIN lookup
2. For Level 2 qualification, include customer reference number, merchant tax ID, and tax amount fields in the authorization or capture request
3. For Level 3 qualification, attach line-item detail for each product: commodity code, item description, unit of measure, unit price, quantity, and line-item total
4. Ensure that the sum of line-item amounts matches the authorization total; mismatches will cause Level 3 downgrade to Level 2 or Level 1 interchange
5. Submit Level 3 data at capture time if your acquirer does not support it at authorization; confirm the supported submission timing with your acquirer
6. Reconcile interchange qualification results in your settlement reports to verify that Level 3 rates were applied