Level 2 & Level 3 Optimization

What is Level II and Level III Processing?

Level II and Level III Processing are used in B2B and B2G transactions to help large corporations monitor and track their spending by collecting a set of additional line-item details. 

This top tier of processing offers significantly lower interchange rates for Visa and Mastercard transactions by utilizing that extra data.

CardConnect had $96.1 billion in annual credit and debit bankcard volume in 2019.

PayTrace settled more than $23 billion on Level II & Level III eligible cards in 2021.

Average Savings with Visa:

0.90% savings with Level II

1.05% savings with Level III

Average Savings with MasterCard:

0.75% savings with Level II

1.15% savings with Level III

What could this mean for your business?

We wil optimize and reduce your B2B interchange fees by qualifying your transactions at Level II and Level III rates.

You've already negotiated your interchange rates and reduced your credit card fees as much as possible. Now it's time to keep those awesome rates while optimizing your business even further!

What data is required?

In order to qualify for Level 2 or Level 3 data, you’ll be required to input the data fields below with each transaction. Don't worry, we'll automatically passes this information through with each sale to make things simple.

Level II Data

Level III Data

All fields required for Level 2, plus the following:


A regional food supplier processes about $5,000,000 per month in credit cards, which previously cost the company about $175,000 in monthly processing fees. None of their B2B transactions were optimized.

PayTrace then optimized their Level II or Level III transactions, saving them over $40,000 per month, or about half a million $$$ annually! Now they are able to reapply those much needed funds to other essential parts of the business, including hiring more workers and buying more equipment.