> ## Documentation Index > Fetch the complete documentation index at: https://docs.tesouro.com/llms.txt > Use this file to discover all available pages before exploring further. # Levels 2 and 3 > Send Level 2 and Level 3 transaction data to qualify for lower interchange rates on B2B and government card transactions.
**What is it?** Payment transactions made with a card are categorized into Level 1, Level 2, and Level 3 based on the specific data required during processing. Levels 2 and 3 data impact interchange fees and are primarily used for business-to-business (B2B) and government transactions, but can be sent on any transaction, even those that won't qualify for the level 2 and 3 interchange rates.

**Level 1** The most basic level. It's seen on most consumer transactions, and carries the highest processing costs. Transactions qualifying for level 1 include basic payment data like card number, card security code, amount, transaction date, acceptor, and merchant category code (MCC).

**Level 2** Suitable for corporate card transactions, level 2 offers lower interchange fees than Level 1 because it requires additional transaction details to reduce risk. Depending on the card brand, level 2 data includes taxes, customer details, and ship to information, in addition to the level 1 information.

**Level 3** The most detailed level and suitable for B2B and government transactions, level 3 allows you to qualify for several different B2B interchange categories. Level 3 includes all level 2 fields, plus extensive line item details like product code, commodity code, unit amounts and quantities, duties, shipping amounts, and more. In summary, providing more information on a transaction can increase its "level" and help businesses save on processing fees by providing more transparency to card networks. You can send level 2 and level 3 data on any transaction, even if it doesn't qualify for the level 2 or level 3 interchange rate. **When to Use**
  • You want to qualify for lower interchange rates on eligible transactions.
  • You have detailed transaction information available (tax amounts, line items, etc.).
 **Scenario** A business purchases ten custom items from Maple Street Coffee, one of Clearpath Payment's acceptors, for \$2,000. To qualify for lower interchange rates, Clearpath Payments includes Level 3 data on Maple Street Coffee's behalf — tax information, shipping details, and a line item for each product. ### Restrictions Level 2 is supported by Visa, Mastercard, and American Express. Level 3 is supported by Visa and Mastercard. The following MCC codes are restricted from Level 2 and 3 processing: * **3000-3299, 4511** - Airlines (Visa/Mastercard) * **3351-3500, 7512** - Car Rentals / Auto Rental (Visa/Mastercard) * **7519** - Car Rentals (Mastercard) * **4411** - Cruise Lines (Visa) * **4112** - Passenger Railways (Visa/Mastercard) * **5962, 5966, 5967** - High Risk Direct Marketing (Visa) * **3501-4010, 7011** - Hotel (Visa/Mastercard) * **5812** - Restaurants (Visa/Mastercard) * **5814** - Fast Food Restaurants (Visa) * **4722** - Travel Agents (Visa) * **7513** - Truck and Utility Trailer Rentals (Visa/Mastercard) * **8398** - Organizations, Charitable and Social Service (Level 3 restriction: Mastercard not eligible) * **4468** - Marine Service & Supplies (Level 3 restriction: Fleet Mastercards not eligible) * **5541** - Service Stations (Level 3 restriction: Fleet Mastercards not eligible) * **5542** - Automated Fuel Dispensers (Level 3 restriction: Fleet Mastercards not eligible) * **5499** - Misc. Food, Convenience, & Specialty Markets (Level 3 restriction: Fleet Mastercards not eligible) * **5983** - Fuel Dealers (Level 3 restriction: Fleet Mastercards not eligible) ### Implementation #### Level 2 To qualify for level 2, you must provide the following information on the authorization and capture: ```json lines expandable theme={null} { "transactionAmountDetails": { "totalTaxAmount": "", "localTaxAmount": "", "nationalTaxAmount": "" }, "orderDetails": { "customerDetails": { "reference": "", "firstName": "", "lastName": "", "email": "", "phoneNumber": "" }, "shipToAddress": { "address1": "", "state": "", "postalCode": "", "countryCode": "" } } } ``` #### Level 3 To qualify for level 3, you must provide everything for level 2 as well as the following: ```json lines expandable theme={null} { "transactionAmountDetails": { "DiscountAmount": "", "ShippingAmount": "", "DutyAmount": "" }, "lineItems": [ { "productSku":"8675310", "commodityCode": "12", "productCode": "24", "description": "LineItem1", "unitQuantity": "1", "unitOfMeasure": "feet", "unitPrice": "11", "discount": { "amount": "1" }, "lineItemAmount": "10" }, { "productSku":"8675311", "commodityCode": "10", "productCode": "20", "description": "LineItem2", "unitQuantity": "2", "unitOfMeasure": "feet", "unitPrice": "6", "discount": { "amount": "2" }, "lineItemAmount": "10" } ] } ```
```graphql Operation lines expandable theme={null} mutation AuthorizeCITWithLevel2($input: AuthorizeCustomerInitiatedTransactionInput!) { authorizeCustomerInitiatedTransaction( authorizeCustomerInitiatedTransactionInput: $input ) { authorizationResponse { status: __typename cardDetails { paymentBrand last4 } tokenDetails { token } transactionId paymentId } errors { ... on Error { message __typename } } } } ``` ```json Variables lines expandable theme={null} { "input": { "acceptorId": "05a39b14-f29f-443b-a107-da3e3e8969fb", "transactionReference": "68448abe-735b-4ee3-af14-d0f50a091c9b", "paymentMethodDetails": { "cardWithPanDetails": { "expirationMonth": "09", "expirationYear": "2051", "accountNumber": "5188690009946204", "paymentEntryMode": "PAYMENT_METHOD_ON_FILE", "paymentChannel": "ECOMM", "securityCode": { "omissionReason": "VERIFICATION_NOT_REQUESTED" } } }, "transactionAmountDetails": { "totalAmount": 100.99, "localTaxAmount": "1.99", "nationalTaxAmount": "2.99", "currency": "USD" }, "orderDetails": { "customerDetails": { "reference": "ABC12345", "firstName": "Michael", "lastName": "Scott", "email": "mscott@office.com", "phoneNumber": "6178675309" }, "shipToAddress": { "address1": "702 N Washington Ave", "city": "Scranton", "state": "PA", "postalCode": "18509", "countryCode": "USA" } } } } ``` ```graphql Operation lines expandable theme={null} mutation AuthorizeCITWithLevel3($input: AuthorizeCustomerInitiatedTransactionInput!) { authorizeCustomerInitiatedTransaction( authorizeCustomerInitiatedTransactionInput: $input ) { authorizationResponse { status: __typename cardDetails { paymentBrand last4 } tokenDetails { token } transactionId paymentId } errors { ... on Error { message __typename } } } } ``` ```json Variables lines expandable theme={null} { "input": { "acceptorId": "05a39b14-f29f-443b-a107-da3e3e8969fb", "transactionReference": "68448abe-735b-4ee3-af14-d0f50a091c9b", "paymentMethodDetails": { "cardWithPanDetails": { "expirationMonth": "09", "expirationYear": "2051", "accountNumber": "5188690009946204", "paymentEntryMode": "PAYMENT_METHOD_ON_FILE", "paymentChannel": "ECOMM", "securityCode": { "omissionReason": "VERIFICATION_NOT_REQUESTED" } } }, "transactionAmountDetails": { "totalAmount": 100.99, "DiscountAmount": "1.00", "ShippingAmount": "2.00", "DutyAmount": "0.99", "currency": "USD" }, "lineItems": [ { "productSku": "8675310", "commodityCode": "12", "productCode": "24", "description": "LineItem1", "unitQuantity": "1", "unitOfMeasure": "feet", "unitPrice": "11", "discount": { "amount": "1" }, "lineItemAmount": "10" }, { "productSku": "8675311", "commodityCode": "10", "productCode": "20", "description": "LineItem2", "unitQuantity": "2", "unitOfMeasure": "feet", "unitPrice": "6", "discount": { "amount": "2" }, "lineItemAmount": "10" } ] } } ``` ```json Response lines expandable theme={null} { "data": { "authorizeCustomerInitiatedTransaction": { "authorizationResponse": { "status": "AuthorizationApproval", "networkApprovalCode": "808907", "authorizationAmountDetails": { "approvedAmount": 36, "requestedAmount": 36, "currency": "USD" }, "cardDetails": { "paymentBrand": "VISA", "last4": "0005" }, "tokenDetails": { "token": "ae1d0699-a5f3-4548-aaa8-068b57564118" }, "transactionId": "c0b554b8-7819-11ee-acb0-7445f363cd81", "paymentId": "c0b554b8-7819-11ee-acb0-7445f363cd81", "systemTraceAuditNumber": "808040", "networkResponseDetails": { "processorResponseCode": "A0000", "networkResponseCode": "00" }, "avsResponseDetails": { "networkCode": null } }, "errors": null } } } ```