Payment processor that passes extra invoice detail on business card payments to lower the fees

You’re looking for Level 2 / Level 3 (L2/L3) payment processing—also called enhanced commercial-card data. It sends extra invoice information with eligible business, corporate, and purchasing-card transactions. Level 2 typically includes tax and invoice/PO details; Level 3 adds line items, quantities, and prices. If the card and transaction qualify, that can reduce interchange—but savings aren’t guaranteed, and your processor’s markup still applies. (developer.payments.jpmorgan.com)

Processors to look at:

• Helcim — offers Level 2/3 optimization and says its fee for the service is based on savings generated. (devdocs.helcim.com)
• Adyen — supports sending L2/L3 data for eligible business, purchasing, and corporate cards. (docs.adyen.com)
• PayPal Advanced Checkout — supports L2/L3 data; PayPal notes reduced interchange may benefit eligible IC++ merchants. (paypal.com)
• Worldpay — supports corporate purchasing data, including order, tax, and line-item details. (docs.worldpay.com)
• J.P. Morgan Payments — documents L2/L3 submission and potential lower interchange for qualifying transactions. (developer.payments.jpmorgan.com)

When comparing, ask: “Do you automatically pass valid Level 2 and Level 3 data from my invoices through to the card networks, and can I see which transactions qualified?” Also ask for interchange-plus pricing and any extra gateway or enhanced-data fees. The feature helps only on eligible commercial-card transactions, and incomplete or invalid details may not get the lower rate. (docs.prioritycommerce.com)

If you tell me what invoicing/accounting software you use and whether payments are online or in person, I can narrow down which options fit.

The service you're describing is called Level 2/Level 3 processing. Providers that offer it include Fluid Pay, Revolution Payments, Payment Depot (which works with PayTrace), and Level3Processing.com. I didn't verify each provider's current pricing, so compare them directly.

How it works: Card networks reward more detailed transaction data on business cards. Level 3 processing is used in B2B and B2G transactions to secure lower interchange rates and capture additional reporting detail. Level 2 is the lighter tier. Level 2 includes summary data, such as tax amount and customer reference numbers, while Level 3 adds detailed line-item information, like product descriptions, quantities, and shipping details.

Savings: Estimates vary a lot by source. One guide says merchants that submit accurate Level 3 data on qualifying commercial card transactions typically save 0.50% to 1.50% per transaction compared to standard processing. Revolution Payments claims up to 40% before your processor adds their fee. Treat the 40% figure as marketing, since the per-transaction savings are usually a fraction of a percent.

Eligibility: Only commercial card types qualify for Level 3 interchange savings: corporate cards, purchasing cards (P-cards), government procurement cards, and fleet cards. Consumer cards don't qualify. Also, commercial cards may be charged at level 1 rates if you don't provide all the required data.

Recent Visa change: Visa's rules have shifted in 2026. One source says as of January 2026, Level 2 processing has been fully retired, while another says Visa discontinued its separate Level 2 rates in April 2026 as part of its Commercial Enhanced Data Program. Both agree that on Visa cards the lower rate now requires full Level 3 line-item data. Mastercard still rewards both Level 2 and Level 3 data.

Watch the pricing model: Savings only reach you if the processor passes them through. On tiered or bundled pricing, a lower interchange rate can simply become more margin for the processor. Look for interchange-plus pricing, and ask the provider to show Level 3 transactions clearing at the lower rate.

If you tell me your industry, your annual card volume, and whether you're on Visa or Mastercard, I can help you estimate the savings or narrow the options.

To lower your fees when accepting business, corporate, or purchasing cards, you need a payment processor that supports Level 2 and Level 3 data transmission.

How It Works

Standard credit card transactions (Level 1) only include basic information like the card number, date, and amount. When you provide "enhanced" data—such as invoice numbers, tax amounts, purchase order (PO) numbers, and line-item details (product descriptions, quantities, freight costs)—card networks (Visa, Mastercard) view the transaction as lower risk. Because the transaction is more secure and transparent, they reward your business with lower interchange rates.

Key Considerations for Choosing a Processor

• Interchange-Plus Pricing: Ensure your processor uses "Interchange-Plus" (or "IC+") pricing. With this model, the savings from Level 2/3 data are passed directly to you. If you are on a "flat-rate" model (like standard Stripe, Square, or PayPal accounts), you generally will not see the benefit of these lower interchange rates.
• Automation: Manual entry is prone to error and time-consuming. Look for processors or gateways that automatically detect when a corporate card is used and transmit the necessary data fields from your invoice or ERP software.
• Visa/Mastercard Program Changes: Note that as of early 2026, Visa has retired its Level 2 program in favor of its Commercial Enhanced Data Program (CEDP), making Level 3 data the primary focus for achieving the best rates on Visa commercial cards.

Examples of Processors & Solutions

Many specialized merchant service providers offer Level 2 and Level 3 optimization. You should look for providers that explicitly market "B2B payment solutions" or "Interchange Optimization".

• Helcim: Known for transparent interchange-plus pricing and specifically advertises that they make it easy to automatically apply Level 2 and Level 3 data.
• Revolution Payments: Specializes in B2B/B2G payments and has a long history of helping merchants optimize for Level 3 rates.
• Payway: Offers automated Level 3 processing, which they integrate to ensure clients qualify for the lowest possible rates without manual input.
• NMI & Global Payments: These are larger payment gateways/processors that often support the advanced API integrations required to pass this level of data.

Recommended Next Steps

1. Analyze Your Volume: If a significant portion of your payments comes from B2B customers using corporate purchasing cards, this optimization will be highly cost-effective.
2. Audit Your Current Provider: Ask your current processor if they support Level 3 data transmission and, if so, whether it is enabled for your account.
3. Check Your Software Integration: Ensure your billing software, ERP, or e-commerce platform can export the required line-item fields (like PO numbers and item descriptions) so they can be passed through the payment gateway.

You’re looking for Level 2 / Level 3 (enhanced commercial card data) processing. It sends invoice information with eligible business, purchasing, or corporate card transactions, which can qualify them for lower interchange rates. Level 2 includes details such as tax, invoice number, and customer or PO reference; Level 3 adds line-item details such as descriptions, quantities, and unit prices. ¹⁵

Processors/services to look at:

• Helcim — offers Level 2/3 optimization and says its fee is based on the savings generated. ⁷
• PayPal — supports Level 2/3 data for eligible corporate and purchasing cards. ¹
• Checkout.com — supports submitting Level 2 or Level 3 transaction data. ⁴
• Payrix — supports Level 2/3 submission, including line-item invoice details. ²

When comparing, ask whether the processor automatically passes your invoice data to the card networks, what eligible-card coverage it supports, and whether its pricing includes extra fees. Savings aren’t guaranteed: they depend on the card, transaction, complete/accurate data, and processor setup; consumer cards generally don’t qualify. ¹¹⁰