Level II and III Card Data: How B2B Interchange Works

What Level II and Level III data are

Level II and Level III are payments-industry labels, not program names in Visa's published rate schedule. Level II generally means a small set of extra fields sent with the sale, such as the sales tax amount and a customer or purchase order reference. Level III adds line-item detail from the invoice, such as product codes, descriptions, quantities and unit prices. The exact fields, formats and validation rules come from the card networks and your processor, and they change. Ask your processor or gateway for its current field list rather than relying on a generic one.

What the Visa rules actually say about enhanced data, by region

This is where most guidance on the subject overreaches, so it is worth being precise about the public document. In the Visa Core Rules and Visa Product and Service Rules effective 18 April 2026, section 7.4.10 covers Visa commercial card transactions and contains four rules. Section 7.4.10.1 requires an acquirer to pass enhanced data to the issuer where a merchant provides it, and to supply tax and customer reference data — and it is scoped to the Europe Region. Section 7.4.10.2 requires a Visa Purchasing Card issuer to receive level II and level III enhanced data from merchants and to use or designate an enhanced data BIN or account range — also Europe Region. Section 7.4.10.3, on Visa Business Card and Visa Corporate Card enhanced data processing, is Europe Region as well. The only US-region rule in the group is 7.4.10.4, and it addresses the issuer: in the US Region, a Visa Purchasing Card issuer that chooses to receive Level II and Level III enhanced data from a merchant must either designate an account range of the enhanced data Visa Purchasing Card BIN or use an enhanced data BIN from a specified range. That is a configuration obligation on the card issuer. It places no requirement on merchants or acquirers, and it does not say that supplying the data changes what a sale costs. Elsewhere in the rules Visa does require US merchants to provide enhanced data, but only for Visa Fleet Card transactions at specified fuel merchant category codes — a narrow case, not general B2B acceptance.

So where does the data actually fit?

Two published facts survive, and they are the ones worth acting on. First, Visa's Core Rules say a transaction must meet the qualifications defined in the Visa Rules and in the applicable Interchange Reimbursement Fee rate qualification guide to qualify for a particular fee, and that the acquirer must request the correct fee. That guide is not public, so the criteria for each commercial program — including any data requirement — are not something you can verify from Visa's published material. Second, the published schedule does name programs that reference data, such as Commercial Level II – Fuel, and it lists both Non-Qualified and Non-Qualified with Data at the same rate of 2.95% + $0.10. Read carefully, that pairing says something useful: within Visa's published US commercial schedule, adding data to a sale that has already fallen to Non-Qualified does not reduce its listed rate. Whatever value enhanced data has, it lies in a sale qualifying for a better program in the first place — and only your acquirer can tell you whether yours do.

How the schedule prices business card sales

Visa prices purchasing, corporate and business card sales in their own tables, separate from consumer cards. Visa says the rates are interchange reimbursement fees paid between financial institutions, and that merchants pay a merchant discount rate to their own provider. On interchange-plus pricing those program rates show up on your statement; on flat-rate or tiered pricing they may not.

Business credit cards are priced by spend tier

Visa Business credit cards (not prepaid) have their own table with five Business Credit Spend Tiers. In every tier, Business Product 2 is the lowest of the three product programs and Business Product 1 the highest. Visa's schedule does not say which data a Business Product 3 sale needs.

Large tickets have their own programs

For large B2B sales, Visa lists programs with a lower percentage and a fixed per-item fee. Commercial Product Large Ticket is 1.30% + $35.00. Straight Through Processing runs from 2.00% + $0.10 for Tier 1 (less than $7,000) to 0.80% + $35.00 for Tier 5 ($100,000 and greater). Visa Large Purchase Advantage applies purchasing card rates to card-present sales and to card-not-present sales of $10,000 or less, then runs from 0.70% + $49.50 ($10,000.01 to $25,000) to 0.40% + $58.50 (greater than $500,000) for card-not-present sales. Whether a sale qualifies depends on Visa's program rules and your processor's setup.

What to ask your processor

1. Which Visa commercial and business programs did my sales qualify for last month, and how much volume landed in Non-Qualified? 2. Does my gateway, virtual terminal or invoicing tool send tax, customer reference and line-item data, and in what format? 3. Which fields does your platform require for each program? 4. On my pricing plan, do lower interchange programs reach my statement, or am I billed one rate regardless? 5. Do you support large-ticket programs for my average B2B sale? Download Visa's current schedule before relying on any rate, including the ones on this page.

About the rate tables on this page: Visa is the only card network that publishes a public US merchant interchange schedule, so the rate tables on this site are Visa-only. Mastercard, American Express and Discover do not publish an equivalent US merchant schedule, and their rates are neither shown above nor implied by these figures. Ask your processor for the rates that apply to each network on your account.