Level 2 and level 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. You can send level 2/3 data if you do not process under any of the airline, car rental, lodging or temporary services MCCs.
You can send level 2 and level 3 ESD 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 and 3 ESD can lower your interchange rates and allows companies to track how much is spent on their corporate cards and the amount of sales tax they pay.
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.
To check if you can submit level 2 or level 3 ESD 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 and 3 ESD without enabling this parameter.
Send the following fields in your /payments or /capture request:
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": "10",
"expiryYear": "2026",
"holderName": "John Smith",
"number": "4111111111111111"
},
"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"
}
}{
"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"
}
}