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.
Include level 2/3 ESD in your request
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"
}
}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"
}
}