SWIPE ACADEMY - CONFIDENTIAL AGENT RESOURCE
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LEVEL 3 DATA OPTIMIZATION GUIDE
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WHAT IT IS:
Level 3 processing requires a specialized gateway (like PayTrace or NMI) to pass extra line-item data to Visa/Mastercard when processing Corporate Purchasing Cards (P-Cards) or Government cards.

REQUIRED FIELDS FOR LEVEL 3:
- Item Commodity Code
- Item Description
- Item Quantity
- Item Unit of Measure
- Item Extended Amount
- Freight/Shipping Amount
- Duty Amount
- Destination Zip Code

THE FINANCIAL IMPACT:
A standard corporate card might cost 2.95% at Level 1 (Terminal).
By passing Level 3 data through a gateway, Visa lowers the risk profile and drops the wholesale cost to 1.85%.
You just saved the merchant 110 Basis Points (1.1%) without cutting your own margin.