Credit card processing methods fit into three levels; Level 1, Level 2 and Level 3. Each level is defined by the amount of information that is required or passed to complete a payment with level 1 having the lowest requirements and potentially the highest costs.
Level 2 and Level 3 card data (also known as Level II and Level III) is a set of additional information that can be passed during a credit card transaction. Level 2 and Level 3 card data provides more information for business, commercial, corporate, purchasing, and government cardholders.
Credit card transactions submitted with Level 2 and Level 3 card data can obtain lower interchange rates and provide merchants with a lower processing cost. Therefore, it is in the best interest of merchants to submit Level 2 and Level 3 card data whenever possible.
Each card type that supports Level 2 maintains its own standards for the additional field information that is accepted. Potential fields include:
Level 3 payments require all of the information required for Level 2 and will need to include additional information to complete the payment to reduce transaction costs. These additional fields may include:
Currently, Zuora supports Level 2 and Level 3 data for the following gateway:
You must contact your gateway support representative to enable Level 2 and Level 3 card data in order to process the additional information. To process Level 3 card data, you must also contact Zuora Support to enable this setting for your tenant,
After you enable Level 2 and Level 3 data, Zuora uses the account and invoice information associated with the payment to automatically populate the associated fields on your behalf.