Level 2/3 ESD is for US domestic payments made using most purchasing cards, corporate cards and fleet cards. For most business cards, you can only send level 2 ESD. Level 2/3 ESD lets companies track how much is spent on their corporate cards and the amount of sales tax:
- Level 2 ESD is purchase and tax details for the payment.
- Level 3 ESD is level 2 ESD plus line item details such as product quantity and product description.
Requirements to send level 2/3 ESD
You can send level 2/3 ESD if you do not process under any of the airline, car rental, lodging or temporary services MCCs.
Merchants processing payments under some other MCCs also cannot send level 2/3 ESD.
If you have one of the following MCCs, do not send level 2/3 ESD for Visa or Mastercard payments:
- 4112 Passenger Railways
- 5812 Eating Places and Restaurants
If you have one of the following MCCs, do not send level 2/3 ESD for Visa payments:
- 4411 Steamship and Cruise Lines
- 5814 Fast Food Restaurants
Tax requirements
The tax requirements to qualify for the level 2 interchange rates are different for Visa and Mastercard:
- Visa: The total tax amount must be between 0.1% and 22%.
- Mastercard: The total tax amount must be between 0.1% and 30%.
For level 3 ESD, the minimum requirements do not apply, you can send it for transactions with a total tax amount of less than 0.1%. The maximums apply to both level 2 and level 3 transactions.
Check which level of ESD to send
To check which level of ESD you can send for a card, you can use the cardSchemeEnhancedDataLevel
parameter from the /payments response. Contact our Support Team to enable this. The cardSchemeEnhancedDataLevel
response does not guarantee a lower interchange rate, and you can still send level 2/3 ESD without enabling this parameter.
Testing
Use the following test card to test payments with level 2/3 ESD:
Card Number | Card Type | Expiry Date | CVV |
---|---|---|---|
5555 5555 5555 4444 | Mastercard | 03/2030 | 737 |
Include level 2/3 ESD in your request
Send the following fields in your /payments or /capture request:
Level | Field | Format | Required |
---|---|---|---|
2 and 3 |
enhancedSchemeData.customerReference
|
ASCII | |
2 and 3 |
enhancedSchemeData.totalTaxAmount
|
Numeric | |
3 |
enhancedSchemeData.itemDetailLine[itemNr].productCode
|
ASCII | |
3 |
enhancedSchemeData.itemDetailLine[itemNr].description
|
ASCII | |
3 |
enhancedSchemeData.itemDetailLine[itemNr].quantity
|
Numeric | |
3 |
enhancedSchemeData.itemDetailLine[itemNr].unitOfMeasure
|
ASCII | |
3 |
enhancedSchemeData.itemDetailLine[itemNr].commodityCode
|
ASCII | |
3 |
enhancedSchemeData.itemDetailLine[itemNr].totalAmount
|
Numeric | |
3 |
enhancedSchemeData.itemDetailLine[itemNr].unitPrice
|
Numeric | |
3 |
enhancedSchemeData.destinationCountryCode
|
ASCII | |
3 |
enhancedSchemeData.destinationPostalCode
|
ASCII | |
3 |
enhancedSchemeData.destinationStateProvinceCode
|
ASCII | |
3 |
enhancedSchemeData.dutyAmount
|
Numeric | |
3 |
enhancedSchemeData.freightAmount
|
Numeric | |
3 |
enhancedSchemeData.orderDate
|
ASCII | |
3 |
enhancedSchemeData.shipFromPostalCode
|
ASCII | |
3 |
enhancedSchemeData.itemDetailLine[itemNr].discountAmount
|
Numeric |
Below is an example of a /payments request with level 3 ESD.
{ "amount": { "currency": "USD", "value": 20000 }, "reference": "YOUR_ORDER_NUMBER", "paymentMethod":{ "type":"scheme", "cvc": "737", "expiryMonth": "03", "expiryYear": "2030", "holderName": "John Smith", "number": "5555555555554444" }, "returnUrl": "https://your-company.com/...", "merchantAccount": "YOUR_MERCHANT_ACCOUNT", "additionalData": { "enhancedSchemeData.totalTaxAmount": "2000", "enhancedSchemeData.customerReference": "101", "enhancedSchemeData.freightAmount": "300", "enhancedSchemeData.shipFromPostalCode": "1011DJ", "enhancedSchemeData.orderDate": "010123", "enhancedSchemeData.destinationPostalCode": "10003", "enhancedSchemeData.destinationStateProvinceCode": "NYC", "enhancedSchemeData.destinationCountryCode": "USA", "enhancedSchemeData.dutyAmount": "500", "enhancedSchemeData.itemDetailLine1.description": "T15 Test products 1", "enhancedSchemeData.itemDetailLine1.productCode": "TEST120", "enhancedSchemeData.itemDetailLine1.commodityCode": "COMMCODE1", "enhancedSchemeData.itemDetailLine1.quantity": "5", "enhancedSchemeData.itemDetailLine1.unitOfMeasure": "m", "enhancedSchemeData.itemDetailLine1.unitPrice": "1000", "enhancedSchemeData.itemDetailLine1.discountAmount": "100", "enhancedSchemeData.itemDetailLine1.totalAmount": "4900", "enhancedSchemeData.itemDetailLine2.description": "T15 Test products 2", "enhancedSchemeData.itemDetailLine2.productCode": "TEST120", "enhancedSchemeData.itemDetailLine2.commodityCode": "COMMCODE2", "enhancedSchemeData.itemDetailLine2.quantity": "5", "enhancedSchemeData.itemDetailLine2.unitOfMeasure": "m", "enhancedSchemeData.itemDetailLine2.unitPrice": "1000", "enhancedSchemeData.itemDetailLine2.discountAmount": "100", "enhancedSchemeData.itemDetailLine2.totalAmount": "4900" } }
{ "pspReference":"8915844059375211", "resultCode":"Authorised", "authCode":"506847", "additionalData":{ "cardSchemeEnhancedDataLevel":"L2", "cardPaymentMethod":"visa", "cardIssuingBank":"Bank of America", "cardIssuingCountry":"US", "cardIssuingCurrency":"USD", "cardBin":"411111", "fundingSource":"CREDIT" } }
Below is an example of a /capture request with level 3 ESD.
{ "merchantAccount":"YOUR_MERCHANT_ACCOUNT", "modificationAmount":{ "currency":"USD", "value":20000 }, "originalReference":"NC6HT9CRT65ZGN82", "additionalData":{ "enhancedSchemeData.totalTaxAmount": "2000", "enhancedSchemeData.customerReference": "101", "enhancedSchemeData.freightAmount": "300", "enhancedSchemeData.shipFromPostalCode": "1011DJ", "enhancedSchemeData.orderDate": "010123", "enhancedSchemeData.destinationPostalCode": "10003", "enhancedSchemeData.destinationStateProvinceCode": "NYC", "enhancedSchemeData.destinationCountryCode": "USA", "enhancedSchemeData.dutyAmount": "500", "enhancedSchemeData.itemDetailLine1.description": "T15 Test products 1", "enhancedSchemeData.itemDetailLine1.productCode": "TEST120", "enhancedSchemeData.itemDetailLine1.commodityCode": "COMMCODE1", "enhancedSchemeData.itemDetailLine1.quantity": "5", "enhancedSchemeData.itemDetailLine1.unitOfMeasure": "m", "enhancedSchemeData.itemDetailLine1.unitPrice": "1000", "enhancedSchemeData.itemDetailLine1.discountAmount": "100", "enhancedSchemeData.itemDetailLine1.totalAmount": "4900", "enhancedSchemeData.itemDetailLine2.description": "T15 Test products 2", "enhancedSchemeData.itemDetailLine2.productCode": "TEST120", "enhancedSchemeData.itemDetailLine2.commodityCode": "COMMCODE2", "enhancedSchemeData.itemDetailLine2.quantity": "5", "enhancedSchemeData.itemDetailLine2.unitOfMeasure": "m", "enhancedSchemeData.itemDetailLine2.unitPrice": "1000", "enhancedSchemeData.itemDetailLine2.discountAmount": "100", "enhancedSchemeData.itemDetailLine2.totalAmount": "4900" } }