Level 2 and Level 3 data provides customers with additional information on the credit card statements about their purchases. This enables customers to easily track the amount of sales tax they pay and to reconcile transactions with a unique customer code.
You can submit the level 2/3 data during the
/capture on level 2/3 cards, or with an
/authorise call if auto capture is enabled. This data is then forwarded to the company that made the purchase, and it enables the company to manage its purchasing activities. The benefit for the merchant is that for transactions submitted with Level 2 or Level 3 data the possible interchange rates are significantly lower than the Commercial or Business Standard rate if they meet all the necessary requirements.
There are two categories of Level 2 cards:
- Business/corporate cards given by businesses to employees for business-related expenses (such as travel and entertainment), or for corporate supplies and services.
- Purchase/procurement cards used by businesses for expenses such as supplies and services. Use of these cards is generally for replacements of purchase orders.
For purchase/procurement cards, you can also provide more detailed Level 3 data, which may result in a lower interchange rate.
Level 2/3 data qualification requirements
You can send Level 2/3 data to Adyen only for US domestic transactions. In addition, the requirements to qualify for the Level 2/3 interchange rates are different for Visa and Mastercard.
- The transaction must be taxable, and the total tax amount must be between 0.1% and 22%.
- For Level 3, the transaction must use a corporate or purchasing card.
- The transaction must be taxable, and the total tax amount must be between 0.1% and 30%.
- For Level 3, the transaction must use a corporate, business, or purchasing card.
Some travel businesses are not eligible by Visa and Mastercard to use the Level 2/3 data functionality. For more information, refer to Can my business submit Level 2/3 data?
Sending level 2/3 data
The first approach to providing Level 2/3 data is set up as a two-step process:
- Make an
/authoriserequest to submit main payment data (amount, currency, card details). If Level 2/3 data is supported for the specified card, a response message contains a
cardSchemeEnhancedDataLevelparameter set to either
L3. In case Level 2/3 data is not supported for the specified card, there is no
cardSchemeEnhancedDataLevelparameter in a response.
/capturerequest, send Level 2 or Level 3 data if the
L3in the authorise response. Include Level 2 or Level 3 data into the
additionalDataobject of your capture request.
Sending this data is optional. You can always submit a regular capture request without any Level 2/3 data, even if an authorise response returned the
cardSchemeEnhancedDataLevelparameter. However, if you don't send Level 2/3 data, the transaction is not qualified for Level 2/3 interchange rates.
When you have configured your account to "auto capture", you can include Level 2 or Level 3 data in an
/authoriserequest. If the card is eligible, an L2/L3 indicator (
cardSchemeEnhancedDataLevel) is returned in an authorisation response. Adyen will then automatically submit the L2/L3 data in a
/capturerequest for merchants to optimize interchange classification. If the L2/L3 indicator is not triggered, the data field will be absent in the response. Adyen will remove the additional data before capturing. Please refer to documentation per scheme (MC & Visa) for further explanation on how to correctly format the data fields to avoid authorisation errors.
To enable the
cardSchemeEnhancedDataLevel parameter for your account, contact the Support Team.
Code examples: Authorisation
The following examples illustrate the data that you should send with the initial
Code examples: Capture
The following examples illustrate the data that you should send with the
/capture request for Level 2/3 interchange rates, or with the
/authorise request if auto capture is enabled. Make sure that the
cardType is set to
visa and matches the
cardPaymentMethod value returned in the authorisation response.
For more information about required fields, refer to Level 2/3 data for Visa and Mastercard.