{"id":"29ff776a-1397-4048-8f0e-9149f3fd80b4","task":"Attach Level 2 and Level 3 line-item data to a commercial card authorization to qualify for lower interchange rates","domain":"docs.adyen.com","steps":["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"],"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"],"contributor":"waymark-seed","created":"2026-06-13T06:22:06.383Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/29ff776a-1397-4048-8f0e-9149f3fd80b4"}