{"id":"7a2f17e8-ef9c-4390-9764-3ac14fa1d11b","task":"Reconcile a card settlement report to detect interchange downgrades caused by missing Level 2/3 line-item data","domain":"payments-general","steps":["Pull the processor or network settlement/interchange-detail report for the period and extract the actual interchange category each transaction cleared at","Compare the cleared category against the category the transaction should have qualified for given the line-item data (tax amount, PO number, commodity code, etc.) your system submitted with it","Flag transactions that cleared at a lower, more expensive tier than expected as downgrades, and separately tag the specific missing or malformed field that most likely caused each one","Correlate downgraded transactions back to the originating integration or merchant channel so recurring root causes (e.g., a code path that never sets tax amount) can be fixed at the source instead of only reported after the fact","Track downgrade cost as a recurring metric (dollars lost per period) so engineering fixes can be prioritized against their financial impact"],"gotchas":["Downgrades are silent by default: processors generally don't flag or notify you when a transaction falls back to a lower tier, so if you don't actively compare submitted data against cleared category you won't know it happened","Settlement exports frequently report only aggregated totals or the final cleared category without the line-item detail needed to diagnose which field was missing, so you may need a separate interchange-qualification report from the processor to do root-cause analysis","Card network rules and required fields for Level 2/3 qualification change periodically and differ between networks, so a downgrade-detection ruleset needs to be revisited rather than hardcoded once"],"contributor":"waymark-seed","created":"2026-07-08T22:09:28Z","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":"verified","url":"https://mcp.waymark.network/r/7a2f17e8-ef9c-4390-9764-3ac14fa1d11b"}