Level 3 Credit Card Processing

Start growing your B2B and B2G customer base by accepting Level 3 cards.

Level 3 Processing

Corporate purchase card transactions are priced differently from consumer credit card transactions. Getting the best rate for corporate purchases requires the inclusion of line item detail on each transaction. Because so much data (often referred to as Level 3 data) is required, most merchants accepting Level 3 transactions integrate payment acceptance into their ERP system to eliminate manual entry of line item detail.

Optimize Business and Government Payment Transactions with Level 3 Processing

Business-to-business (B2B) and business-to-government (B2G) purchases are increasingly being made via purchasing, corporate and business cards. Large corporations and government agencies use Level 3 credit cards to effectively monitor and track their spending. Take advantage of the benefits offered by BluePay’s Level 3 processing.

  • Lower your card processing fees
  • Optimize reporting for business cardholders
  • Reduce Days Sales Outstanding (DSO) by collecting accounts receivable funds sooner and eliminating the cost of floating funds

Merchant using BluePay's Level 3 credit card processing on the BluePay Gateway.

BluePay offers its customers the best payment processing solutions in the industry — including our award-winning e-commerce platform/gateway — developed by our award-winning, in-house IT department.

BluePay ensures that our PCI Level 3 processing offers the same level of security as our Level 1 and Level 2 processing. Our PCI-compliant security solutions feature point-to-point encryption (P2PE), tokenization, a suite of fraud management tools, secure hosted payment forms and more. Our secure payment systems are never outsourced to third-party security companies, so our in-house solution keeps your buyers’ sensitive transaction data in the right hands.


Level 3 processing requires the capture of specific line item data in credit card transactions. These additional data fields include merchant name and address, invoice number and tax amount, plus line item details such as item description, quantity and unit of measure, freight amount, and commodity and product codes. The chart below shows the data requirements for each level of processing.

The extra reporting makes it easier for corporate and government customers to monitor and track internal spending. It also allows customers to set predefined restrictions on how and when cards are used. For example, a corporation or government entity might want to set upper limits on transactional amounts or the monthly frequency of purchases.

Find out here if you qualify


Standard credit card terminals do not support Level 3. Submitting L3 data requires the use of specialized payment software that is accessed via a secure website application. Level 3 data is typically passed to our BluePay payment platform via integration into the merchant’s ERP system. If a B2B merchant with Level 3 needs cannot integrate right away, no problem! BluePay offers Level 1, 2 and 3 processing via the virtual terminal (VT) on the BluePay payment gateway. The virtual terminal allows merchants to manually key in the line item details on Level 3 transactions and obtain lower interchange rates.


Mastercard® and Visa® Interchange differs for Level 3 in both rate and qualification requirements.

Contact Us for More Rate Information

Credit Card Processing Level 1, 2 and 3 Comparison

  • Level 1
    “Level 1” card data is typically associated with consumer transactions and provides limited purchase data back to the cardholder.
  • Level 2
    “Level 2” data adds more information to benefit the corporate/government/industrial buyer, but the number of fields is limited because of the restricted data capture capabilities provided by most hardware-based Point of Sale (POS) terminals.
  • Level 3
    “Level 3” (also known as Level III (three)) line item detail is equivalent to the information found on an itemized invoice.

Comparative Example*

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 Postal 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



Get Started Today

BluePay provides comprehensive, high quality credit card processing for my company. Since much of our business is with agencies of the Federal Government, it is important for us to have a provider who minimizes our costs while at the same time maximizes our funds availability.

Alan Freed, President
Alan L. Freed Associates, Alexandria, VA
  • Microsoft Gold Partner Badge
  • 2018 American Business Awards Gold Stevie® Winner Badge for Best Payment and Electronic Commerce Solution
  • 2018 CNP Awards Customer Choice Winner Badge for Best E-Commerce Platform/Gateway
  • Best in Biz Awards 2018 Silver Winner Badge for Business Development Department of the Year
  • TSG Gateway Awards 2019 BluePay
BluePay Processing, LLC is a registered ISO of Wells Fargo Bank, N.A., Concord, CA, 94524 U.S.A.
BluePay Canada ULC, is a Registered ISO/MSP of Peoples Trust Company, Vancouver, Canada.