# Corporate purchasing data (level 2 / level 3) Submit additional order, tax, and line item data in your payment authorization and settlement requests where your customer is using a commercial or purchasing card. details summary b Benefits | Benefit | Description | | --- | --- | | **Reduced interchange fees** | If you are a US based merchant, you can qualify for lower interchange fees on transactions by providing additional order-specific data, such as tax reference, product code or sales tax amount. Card networks often offer lower rates for transactions with enhanced data, reducing processing costs. | | **Enhanced fraud detection** | Detailed transaction data allows card networks to better authenticate purchases, reducing fraud and chargeback rates. | | **Improved dispute management** | With comprehensive transaction details, card networks can better handle and resolve disputes. This reduces the time and effort you spend managing chargebacks and can lead to faster resolutions. | | **Increased customer trust and satisfaction** | Providing enhanced data improves transaction transparency, giving customers more confidence in their purchases. It also leads to more accurate transaction records on your customer's statements, minimizing confusion or disputes. | | **Compliance with industry standards** | Card networks increasingly require detailed transaction data to maintain compliance with industry standards and processing requirements. | ## Pre-requisites To benefit from sending level 2 and level 3 data, the following must apply to your transaction: #### Mastercard * transaction must be taxable * tax must be between 0.1% and 30% of the transaction amount * for level 3 the transaction must use a corporate, business or purchasing card * for level 3 at least one line item must be included #### Visa * transaction must be taxable * tax must be between 0.1% and 22% of the transaction amount * for level 3 the transaction must use a corporate or purchasing card ## Parameters You can submit Level 2 and level 3 data within the following root-level objects in the following endpoints: * `/cardPayments/customerInitiatedTransactions` * `/cardPayments/merchantInitiatedTransactions` * `/payments/settlements/full/{linkData}` * `/payments/settlements/partials/{linkData}` ```json { "type": "object", "title": "level", "properties": { "shipping": { "$ref": "#/components/schemas/shipping" }, "merchant": { "type": "object", "properties": { "taxReference": { "$ref": "#/components/schemas/taxReference" } } }, "order": { "$ref": "#/components/schemas/order" }, "customer": { "type": "object", "description": "Additional customer data.", "properties": { "reference": { "type": "string", "description": "Merchant-generated customer reference." } } } }, "components": { "schemas": { "shipping": { "type": "object", "description": "An object containing shipping details.", "properties": { "sender": { "type": "object", "properties": { "address": { "type": "object", "description": "An object containing sender's (shipped from) address.", "properties": { "postalCode": { "maxLength": 10, "minLength": 1, "pattern": "^[a-zA-Z0-9 ]*$", "type": "string" } } } } }, "recipient": { "type": "object", "properties": { "address": { "type": "object", "description": "An object containing recipient's shipping address.", "properties": { "countryCode": { "maxLength": 2, "minLength": 2, "pattern": "^[A-Z]*$", "type": "string" }, "postalCode": { "maxLength": 10, "minLength": 1, "pattern": "^[a-zA-Z0-9 ]*$", "type": "string" } } } } } } }, "taxReference": { "maxLength": 20, "minLength": 1, "pattern": "^(?!\\s*$)[a-zA-Z0-9\\s-]*$", "type": "string", "description": "Merchant's tax reference." }, "order": { "type": "object", "description": "An object containing details about the order.", "properties": { "taxExempt": { "type": "boolean", "description": "A flag to indicate whether the purchase is exempt from tax. Must be set to `true` if `order.salesTax` is 0." }, "orderDate": { "type": "object", "description": "Date of the order.", "properties": { "day": { "type": "integer" }, "month": { "type": "integer" }, "year": { "type": "integer" } }, "required": [ "day", "month", "year" ] }, "items": { "description": "Array of order items. You can send up to 99 individual order objects within this array.", "items": { "type": "object", "required": [ "name" ], "properties": { "commodityCode": { "maxLength": 12, "minLength": 1, "type": "string", "description": "Commodity code as defined by the National Institute of Governmental Purchasing.", "pattern": "^[A-Za-z0-9@!£*#$)(-+_=.,/;:'\"]{1,12}$", "example": "ABC123@#" }, "totalTaxAmount": { "type": "integer", "description": "Total tax amount for the item(s)." }, "unitCost": { "type": "integer", "description": "The price of one unit of the item purchased." }, "totalAmount": { "type": "integer", "description": "Total cost of the item(s) including tax." }, "totalAmountNoTax": { "type": "integer", "description": "Total cost of the item(s) excluding tax." }, "unitOfMeasure": { "maxLength": 8, "minLength": 1, "type": "string", "description": "The unit of measure of the purchased item. Explains how to interpret `items.quantity` field, e.g. quantity = 15, unitOfMeasure = kg.", "pattern": "^[A-Za-z0-9@!£*#$)(+_=.,/;:'\"-]{1,8}$" }, "name": { "maxLength": 26, "minLength": 1, "type": "string", "description": "Name of the item(s).", "pattern": "^[A-Za-z0-9 @!£*#$)(+_=.,/;:'\"-]{1,26}$" }, "quantity": { "type": "integer", "description": "Number of items purchased." }, "productCode": { "maxLength": 12, "minLength": 1, "type": "string", "description": "Merchant defined product code.", "pattern": "^[A-Za-z0-9@!£*#\\$)(+_=.,/;:'\"-]{1,12}$" }, "totalDiscountAmount": { "type": "integer", "description": "Total discount amount for the item(s)." } } }, "type": "array" }, "dutyAmount": { "type": "integer", "description": "Total amount of duty costs for the order." }, "salesTax": { "type": "integer", "description": "Total amount of sales tax for the order. Must be provided if `merchant.taxReference` is supplied." }, "shippingAmount": { "type": "integer", "description": "Total amount of shipping costs for the order." }, "invoiceReference": { "maxLength": 15, "minLength": 1, "type": "string", "description": "Invoice reference for the order.", "pattern": "^[A-Za-z0-9 @!£*#\\$)\\(+_=.,/;:'\"-]{1,15}$" }, "discountAmount": { "type": "integer", "description": "Total amount of discounts for the order." } } } } } } ``` ### Level 2 data To qualify for level 2, you must send at a minimum: * `merchant.taxReference` * `customer.reference` * `order.salesTax` or `order.taxExempt` if `order.salesTax` is 0. ### Level 3 data To qualify for level 3, you must send level 2 data and at a minimum: * `order.discountAmount` * `order.shippingAmount` * `order.dutyAmount` * `order.items` ## Code example ```json { "merchant": { "taxReference": "VAT1999292", }, "shipping": { "recipient": { "address": { "postalCode": "NW1 6XE", "countryCode": "GB" } }, "sender": { "address": { "postalCode": "NW1 6XE" } } }, "customer": { "reference": "CUST00000001" }, "order": { "invoiceReference": "INV000123451", "salesTax": 3500, "discountAmount": 400, "shippingAmount": 150, "dutyAmount": 325, "orderDate": { "day": 1, "month": 3, "year": 2024 }, "taxExempt": false, "items": [ { "productCode": "fff-1223", "commodityCode": "ABC123", "name": "Red Hat", "quantity": 4, "unitCost": 3500, "unitOfMeasure": "kg", "totalAmountNoTax": 2000, "totalTaxAmount": 2000, "totalAmount": 2000, "totalDiscountAmount": 2000 } ] } } ```