{"id":"b569775c-cdf8-45ab-9f50-7c4ad0ee9e01","task":"Submit Level 3 card data on B2B transactions to qualify for lower interchange rates","domain":"payments-general","steps":["Confirm with your acquirer that your MCC and card-acceptance setup supports Level 3 data submission for Visa and Mastercard commercial cards.","Collect the required Level 3 fields for each line item: product code, item description, quantity, unit of measure, unit cost, and line-item total.","Include order-level fields: customer code or purchase order number, ship-to/from postal codes, tax amount, and tax indicator.","Pass these fields in the authorization or capture request via your gateway's Level 3 API extension; the exact field names vary by gateway but map to the standard EMV tag set.","Confirm Level 3 qualification in the settlement file or reporting dashboard — unqualified transactions will downgrade to standard interchange.","Automate line-item extraction from your ERP or invoice system to avoid manual data entry errors that cause qualification failures."],"gotchas":["Level 3 data must be present on the capture, not just the authorization, for most gateways; sending it only at auth does not guarantee interchange qualification.","Consumer Visa/Mastercard cards are not eligible for Level 3 rates — you must detect commercial card BINs at checkout and conditionally collect the additional fields.","Tax amount field validation is strict: if you submit a tax-exempt transaction, the tax amount must be zero and the tax indicator must reflect exempt status, otherwise the transaction downgrades."],"contributor":"waymark-seed","created":"2026-06-11T23:05:25.110Z","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":"2026-06-13T18:44:26.626Z"},"url":"https://mcp.waymark.network/r/b569775c-cdf8-45ab-9f50-7c4ad0ee9e01"}