Guide
Level 2 and Level 3 are ways of sending extra detail with a card transaction. For business-to-business sales it can matter.
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Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
Level 2 and Level 3 are ways of sending extra detail with a card transaction. For business-to-business sales it can matter.
Standard card data is basic. Level 2 adds details like tax amount and a customer reference; Level 3 adds line items and shipping. Some commercial and purchasing cards qualify for better categories when the extra data is present.
It matters mostly for businesses that sell to other businesses with corporate cards, and it requires software that can supply the data.
Adds tax and a customer reference.
Adds line-item and shipping detail.
B2B sellers taking commercial cards.
Software that sends the extra data.
A parts supplier takes many corporate cards for orders. Sending tax and line-item detail moves those transactions into more favorable categories.
On a monthly statement this usually appears as a line or two inside a longer table, which is why it is easy to read past. When you review a statement, mark the lines you cannot explain and ask about those first.
Owners often learn this the hard way, through a surprising line on a statement or a call from a bank. Reading it now, before it matters, costs a few minutes and tends to make the next conversation with a processor shorter and more specific.
Payments vocabulary is built to sound harder than it is. Once you know which layer a term belongs to, a statement stops being a wall of numbers and starts being a list of choices you can ask about. Keep this page handy the next time a rate sheet or a notice arrives.
Call (305) 384-8391 and tell us how you sell. We will explain the options in plain English, give you a personal quote and review your current statement for free. There is no price list to compare against, because the right setup depends on your business.
The value of enhanced data depends on your customer mix. A business whose buyers mostly use consumer cards gains nothing; one whose buyers are companies using purchasing cards may qualify for lower costs if its software sends tax and line-item detail correctly. Check the share of commercial cards in your volume before investing in software changes. A useful test is to look at ten recent large invoices: if most were paid with purchasing or corporate cards, ask your provider whether sending the extra data could change their category; if most were consumer cards, leave it alone and spend the effort elsewhere.
As explained by Merchant Fund Express. Updated 2026.
Only if you take a meaningful volume of commercial cards.
Usually not.
Ask us what applies to your setup.
Look at your card mix on a statement.
From approval to live is typically 24 to 48 hours in the DFW metro and 5 to 7 business days nationwide, depending on your location and the readiness of your menu.
Clover can accept payments in offline mode for a limited time and sends the stored transactions when the connection returns; ask us how the limits apply to your account.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
