Level 2/3 ESD

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:

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.

Below is an example of a /capture request with level 3 ESD.