Knowledge Base Best Practices

Level II & Level III Transactions

Accepting Corporate, Purchase or Business cards at your location can carry a higher interchange rate compared to a standard Level I transaction if certain criteria are not met. Level I processing refers to business-to-consumer transactions, and contains minimal information within the transaction request. With Level II and Level III transactions, there is additional data that needs to be passed to the processor. By collecting and supplying this additional information, it may be possible to achieve a lower interchange rate compared to processing the same transaction without this data. TSYS supports Level II and Level III processing across all of our API's, and it is in the merchants best interest to submit Level II and Level III data with their transactions whenever possible.

Level II Transaction

In order for a transaction to qualify at a Level II interchange rate, PurchaseOrderNumber, CustomerCode and TaxAmount values must be present with the transaction request. With our Genius and Transport.WEB API's, this data needs to be submitted as part of the CreateTransaction request. With our MerchantWARE 4.5 API, this information is submitted within the transactions Request object.

Level III Transaction

For a transaction to qualify at a Level III interchange rate, transactions must contain the Level II data mentioned above, as well as additional data contained within the Invoice and LineItem objects.

SOAP Request Examples:

Below are request examples containing both Level II and Level III transaction information for our Genius and MerchantWARE 4.5 API's. 

Genius

<?xml version="1.0" encoding="utf-8"?>
<soap:Envelope xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
 <soap:Body>
    <CreateTransaction xmlns="http://transport.merchantware.net/v4/">
    <merchantName>ZERO INC</merchantName>
    <merchantSiteId>00000000</merchantSiteId>
    <merchantKey>00000-00000-00000-00000-00000</merchantKey>
    <request>
        <TransactionType>SALE</TransactionType>
                <Amount>4.95</Amount>
                <ClerkId>L3Clerk</ClerkId>
                <OrderNumber>L3ON</OrderNumber>
                <Dba>L3Store</Dba>
                <SoftwareName>L3Software</SoftwareName>
                <SoftwareVersion>3.0</SoftwareVersion>
                <AddressLine1>1 Federal Street</AddressLine1>
                <Zip>02110</Zip>
                <Cardholder>TEST L3 CARD</Cardholder>
                <TransactionId>L3TRX</TransactionId>
                <ForceDuplicate>true</ForceDuplicate>
                <CustomerCode>L3CC</CustomerCode>
                <PoNumber>L3PON</PoNumber>
                <TaxAmount>0.19</TaxAmount>
                <EntryMode>Undefined</EntryMode>
                <AuthorizationCode></AuthorizationCode>
                <TerminalId>3</TerminalId>
                <EnablePartialAuthorization>true</EnablePartialAuthorization>
                <Invoice>
                    <TaxIndicator>Provided</TaxIndicator>
                    <ProductDescription>Miscellaneous</ProductDescription>
                    <DiscountAmount>0.50</DiscountAmount>
                    <ShippingAmount>1.50</ShippingAmount>
                    <DutyAmount>0.26</DutyAmount>
                    <DestinationPostalCode>12345</DestinationPostalCode>
                    <DestinationCountryCode>840</DestinationCountryCode>
                    <ShipFromPostalCode>23456</ShipFromPostalCode>
                    <LineItems>
                        <LineItem>
                            <CommodityCode>61500</CommodityCode>
                            <Description>Sample Item</Description>
                            <Upc>111111111111</Upc>
                            <Quantity>1</Quantity>
                            <UnitOfMeasure>EA</UnitOfMeasure>
                            <UnitCost>3.50</UnitCost>
                            <DiscountAmount>0.50</DiscountAmount>
                            <TotalAmount>3.00</TotalAmount>
                            <TaxAmount>0.19</TaxAmount>
                            <ExtendedAmount>3.50</ExtendedAmount>
                            <DebitOrCreditIndicator>Debit</DebitOrCreditIndicator>
                            <NetOrGrossIndicator>Net</NetOrGrossIndicator>
                        </LineItem>
                    </LineItems>
                </Invoice>
            </request>
        </CreateTransaction>
 </soap:Body>
</soap:Envelope>

MerchantWARE 4.5

<Envelope xmlns="http://www.w3.org/2003/05/soap-envelope">
  <Body>
    <Sale xmlns="http://schemas.merchantwarehouse.com/merchantware/v45/">
      <Credentials>
        <MerchantName>{{MerchantName}}</MerchantName>
        <MerchantSiteId>{{MerchantSiteID}}</MerchantSiteId>
        <MerchantKey>{{MerchantKey}}</MerchantKey>
      </Credentials>
      <PaymentData>
        <Source>READER</Source>
        <TrackData>%B4061724061724061^TEST L3 CARD^201210054321000000000000000 150 A?;4061724061724061=20121011000012345678?</TrackData>
      </PaymentData>
      <Request>
        <Amount>4.95</Amount>
        <TaxAmount>0.29</TaxAmount>
        <InvoiceNumber>L3INV</InvoiceNumber>
        <PurchaseOrderNumber>L3PON</PurchaseOrderNumber>
        <CustomerCode>L3CC</CustomerCode>
        <RegisterNumber>L3REG</RegisterNumber>
        <MerchantTransactionId>L3TRX</MerchantTransactionId>
        <CardAcceptorTerminalId>3</CardAcceptorTerminalId>
        <EnablePartialAuthorization>true</EnablePartialAuthorization>
        <ForceDuplicate>true</ForceDuplicate>
        <CardCaptureCapability/>
        <Invoice>
          <TaxIndicator>Provided</TaxIndicator>
          <ProductDescription>Miscellaneous</ProductDescription>
          <DiscountAmount>0.50</DiscountAmount>
          <ShippingAmount>1.50</ShippingAmount>
          <DutyAmount>0.26</DutyAmount>
          <DestinationPostalCode>12345</DestinationPostalCode>
          <DestinationCountryCode>840</DestinationCountryCode>
          <ShipFromPostalCode>23456</ShipFromPostalCode>
          <LineItems>
            <LineItem>
              <CommodityCode>61500</CommodityCode>
              <Description>Sample Item</Description>
              <Upc>111111111111</Upc>
              <Quantity>1</Quantity>
              <UnitOfMeasure>EA</UnitOfMeasure>
              <UnitCost>3.50</UnitCost>
              <DiscountAmount>0.50</DiscountAmount>
              <TotalAmount>3.00</TotalAmount>
              <TaxAmount>0.19</TaxAmount>
              <ExtendedAmount>3.50</ExtendedAmount>
              <DebitOrCreditIndicator>Debit</DebitOrCreditIndicator>
              <NetOrGrossIndicator>Net</NetOrGrossIndicator>
            </LineItem>
          </LineItems>
        </Invoice>
        <CustomerEmailAddress/>
      </Request>
    </Sale>
  </Body>
</Envelope>

Invoice

Name Type Size Description
TaxIndicator - - An indicator that specifies whether the transaction's primary amount includes or omits tax. Values are:
  • NotProvided
  • Provided
  • Exempt
ProductDescription String 0-100 Describes the item being purchased by the consumer.
DiscountAmount Decimal 0-100 The amount that the merchant deducts as a discount from the cost of the item.
ShippingAmount Decimal 0-100 If the merchant needs to ship the item, this is the amount of the transaction that the customer pays for shipping.
DutyAmount Decimal 0-100 If the merchant needs to ship the item, this is the amount of the transaction that the customer pays as duty when the shipment enters the destination country.
DestinationPostalCode String 0-9 If the merchant needs to ship the item, this is the postal code of the customer’s delivery address.
DestinationCountryCode String 0-3 If the merchant needs to ship the item, this is the country code of the customer’s delivery address.
ShipFromPostalCode String 0-9 If the merchant needs to ship the item, this is the postal code of the location the merchant ships the item from.
LineItems Object - The list of item level details for the transaction.

LineItems

Name Type Size Description
CommodityCode String 0-30 The line item’s commodity code.
Description String 0-100 The description of the line item.
Upc String 0-12 The line item’s Universal Product Code.
Quantity Decimal 0-(9,4) The number of units that the line item contains. Units for the line item are specified in the UnitOfMeasure field.
UnitOfMeasure String 0-50 The unit of measure for the contents of the line item.
UnitCost Decimal 0-100 The cost of a single unit from the line item.
DiscountAmount Decimal 0-100 The amount that the merchant deducts as a discount from the cost of the line item.
TotalAmount Decimal 0-100 The total amount of the line item after the merchant deducts all tax and discounts.
TaxAmount Decimal 0-100 The tax amount of the line item that is tax.
ExtendedAmount Decimal 0-100 The extended amount of the line item.
DebitOrCreditIndicator String - An indicator of whether the line item is a credit or a debit. Values are:
  • Credit
  • Debit
NetOrGrossIndicator String - An indicator of whether the line item includes tax (gross) or excludes tax (net). Values are:
  • Net
  • Gross