Overview

Level 2 and Level 3 Enhanced Data processing provides additional detail along with the financial transaction to support business-to-business (B2B) payment processing.  The primary values to implementing Level 2/3 Enhanced Data are:

• Providing the corporate entity with varying levels of reconciliation data related to the business transaction
• Potentially allowing the financial transaction to qualify for specific B2B interchange categories

Financial transaction data is divided into 3 levels:

• Level 1: Basic transactional information needed for an approval (eg. PAN, expiry, amount, etc.)
  • This is required for all financial transaction processing
• Level 2: Additional data provided to corporate card holders for accounting and reconciliation purposes
  • This includes tax amount, customer identifier, and an invoice number for transaction reference between the cardholder and the merchant
• Level 3: Full line item detail of the purchase transaction to be reported back to the corporate entity through their issuing bank
  • This includes amount itemization, further tax detail, product information, and other data relevant to the goods or services purchased

When using Moneris Gateway’s Level 2/3 API, it is recommended to first determine if the credit card being passed is a corporate card by pre-authorizing the transaction.  Should the issuer’s response identify a corporate card then the Level 2/3 data can be applied during capture.

This section contains information for using the Moneris Gateway’s API for sending credit card transactions.  In particular it describes the format for sending transactions and the corresponding responses you will receive.  This section is to be used by merchants that require the ability to pass Level 2/3 data for Visa, Mastercard and American Express.

To process non corporate cards or if choosing not to pass level 2/3 data, please follow this Non Level 2/3 data transaction flow:

To process a MasterCard Purchasing corporate card and choosing to pass level 2/3 data, please follow this MasterCard level 2/3 transaction flow:

To process a Visa Purchasing corporate card and choosing to pass level 2/3 data, please follow this Visa level 2/3 transaction flow:

To process a AMEX Purchasing corporate card and choosing to pass level 2/3 data, please follow this AMEX level 2/3 transaction flow: