Level 2 and Level 3 Card Data

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Level 2 and Level 3 Card Data

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:

  • Purchase Order number
  • Destination Zip
  • Tax Indicator
  • Tax Amount
  • Requestor Name
  • Destination Address
  • Destination City
  • Destination State

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:

  • Item ID or SKU
  • Item description
  • Unit price
  • Extended price
  • Unit of measure (each)
  • Commodity code
  • Line discount

Currently, Zuora supports Level 2 and Level 3 data for the following gateways:  

Additionally, the Merchant e-Solutions gateway supports Level 2 card data only.

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.

Pre-Conditions for Submitting Level 3 Data

The following information must be configured before Level 3 information will be submitted to the payment provider:

  • The Enable Level 3 Card Data check box must be selected in gateway settings.
  • The Verify new credit card and Verify updated credit card check boxes must be selected in gateway settings.
  • The Commodity Code field must have a value entered.
  • An option must be selected from the Unit of Measure list.
  • The Postal Code for the Customer must be provided on the Payment Method or on the Account Bill-to Contact.
  • Tenant's Postal Code must be entered in Zuora Administration Settings (under Manage Tenant Profile).

After you enable Level 2 and Level 3 data with the aforementioned settings, Zuora uses the account and invoice information associated with the payment to automatically submit this data to the payment provider on your behalf.

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