Pull your interchange qualification report from your processor or acquirer; identify transactions that downgraded from target categories (e.g., Visa Business Preferred, Mastercard Corporate Enhanced) to base categories (EIRF or Standard)
Identify the most common downgrade triggers: missing Level 2 data (tax amount, customer code/PO number) for corporate/purchasing cards; missing Level 3 data (line-item detail, commodity codes, unit prices) for large-ticket B2B transactions; AVS non-match; settlement more than 1 business day after authorization
Implement Level 2 data submission by passing tax amount and customer reference fields in your authorization and capture requests; exact field names vary by processor API — consult your processor's Level 2 integration guide
Implement Level 3 data by including line-item detail in the capture/settlement request; this requires an itemized order object with quantity, unit price, commodity code, and product description per line
Re-run a sample of transactions with Level 2/3 data enabled and compare interchange qualification rates before and after to quantify savings
Known gotchas
Level 2 and Level 3 interchange rates apply only to commercial cards (corporate, purchasing, business); passing enhanced data on consumer cards has no interchange benefit and is ignored
Late settlement (settling more than 1 day after authorization for card-not-present, or more than 2 days for card-present) causes downgrade regardless of data quality — fix settlement timing first
Commodity codes must conform to the UN/SPSC or NAICS coding standard expected by the card network; invalid commodity codes cause rejection of the Level 3 data, resulting in downgrade
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