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
For Level 2 qualification, include customer reference number, merchant tax ID, and tax amount fields in the authorization or capture request
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
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
Submit Level 3 data at capture time if your acquirer does not support it at authorization; confirm the supported submission timing with your acquirer
Reconcile interchange qualification results in your settlement reports to verify that Level 3 rates were applied
Known gotchas
Level 3 data requirements differ between Visa and Mastercard; a submission that qualifies for Visa Level 3 may not qualify for Mastercard Level 3 without adjustments
Missing or invalid commodity codes (which must be valid UNSPSC or similar standard codes) will cause the transaction to downgrade to a higher interchange tier
Level 3 interchange benefits only apply to US-issued commercial cards; international commercial cards have different interchange structures and may not benefit from L3 data
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp