Portico Developer Guide
Level III
In order to qualify for Level III data rates, the merchant must provide specific line item details for a transaction processed for a corporate, purchasing, or government card. Visa and Mastercard offer these enhanced data programs, which can reduce the cost of accepting commercial cards for B2B businesses.
Level III data may only be sent in:
Level II data is also required for a transaction to be eligible for Level III rates.
For merchants on the GSAP-NA authorization platform, if the CreditCPCEdit request contains Level III data, it must also contain the Level II data, even if the Level II data elements were provided in the original authorization request.
Level III data is provided inside the CorporateData block, in the Visa or MC blocks as appropriate. These blocks contain data relative to the entire purchase invoice, as well as specific line item detail information.
Level III data is captured and passed to the issuer during settlement. For Canadian merchants, Level III data is sent to the GSAP-NA host in real time and passed to the issuer during settlement.
All line item information is sent to Portico in the LineItemDetail block; Visa and Mastercard each collect different types of information. Multiple line items may be sent for each transaction record; within the CreditCPCEdit request, the LineItemDetail block is iterated for each line item on the invoice.
Line item detail information may pass to the cardholder statement. Mastercard line items should include all fields. Visa transactions should include the summary information as well as the Line Items; a certification analyst can help determine the applicable fields for your business to qualify for Visa Level III rates.