{"id":"db0fda16-8fc2-410d-bf8a-f3f2631f8f30","task":"Diagnose and remediate interchange downgrade causes by implementing Level 2 and Level 3 data submission","domain":"visa.com","steps":["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"],"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"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","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":"2026-06-13T18:44:37.183Z"},"url":"https://mcp.waymark.network/r/db0fda16-8fc2-410d-bf8a-f3f2631f8f30"}