Purchasing Card Processing

At Access Payment Systems we help businesses that typically focus on business to business (B to B) or business to government (B to G) transactions by providing Level 1, 2 and 3 Purchasing Card transaction abilities. To be more specific, we also provide Level 3 Line Item Purchasing Card Processing, which is not common in the industry. Using an internet based system that does not require merchants to update software we can help merchants lower their interchange cost in Purchasing Card transactions and give them the Level 3 Line Item processing abilities.

Purchasing Card ProcessingThe Interchange tables provided by Visa, MasterCard and Discover have specific rates that are typically labeled as Purchasing Card Level 1, 2 or 3 for Visa and Data Rate 1, 2 and 3 for MasterCard. Unfortunately, most merchants that primarily conduct business in the B to B or B to G world don’t have the ability to process a line item Level 3 transaction and they simply pay more in transaction cost. Some will be able to process Level 3 Summary transactions but since it isn’t a line item transaction, the rates are still higher. The information and table below gives you an idea of the data associated with Level 1, 2 or 3 transactions.

Level 1 - Card data is typically associated with consumer transactions and provides limited purchase data back to the card holder.
Level 2 - Card data adds more information to benefit the corporate/government/industrial buyer. However, the number of fields is limited because of the restricted data capture capabilities provided by most hardware-based POS terminals and even most of the internet based virtual terminals.
Level 3 - Line item detail, which is equivalent to the information found on an itemized invoice, requires greater system capability and is provided through the systems provided by Access Payment Systems.

Comparative Example*

Data Type
Level 1
Level 2
Level 3
Merchant Name
Transaction Amount (total)
Tax Amount
Customer Code (30 Char)
Merchant Postal Code
Tax Identification
Merchant Minority Code
Merchant State Code
Ship from Postal Code
Destination Code
Invoice Number
Order Number
Item Product Code
Item Commodity Code
Item Description
Item Quantity
Item Unit of Measure
Item Extended Amount
Freight Amount
Duty Amount

(*)This table is provided only for illustrative purposes and should not be construed as a listing of all the possible fields associated with each data level or that every processor will support all the possible data elements.

At Access Payment Systems we would be happy to review your current capabilities and show you what our system can do and the savings you can realize. Call Access Payment Systems today at (877) 410-8447 or submit an inquiry from our Contact Us page.

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