Capturing Levels II and III data - Wells Fargo

Wells Fargo Merchant Services

Capture Levels II and III data when accepting commercial cards

Business, corporate, purchasing, and fleet cards are used just like personal credit and debit cards. However, these cards carry higher interchange rates because they offer employers high-value features such as enhanced reporting and statements. Many merchants can qualify for lower interchange rates (especially in card-not-present environments) by collecting the more in-depth Level II and Level III data with each commercial card transaction.

Level II data includes a Tax Indicator, an itemized sales tax amount, and a customer code (for transaction tracing), if provided by the cardholder.

For Level III data, only Mastercard? and Visa? corporate, purchasing, and fleet cards can qualify.

Mastercard requirements for Level II and Level III data

Level II ? Level II data requires a valid sales tax amount, tax indicator, and valid tax ID. ? Sales tax must be between 0.1% and 30%. ? If tax exempt ($0 entered as tax amount or blank), will clear at Commercial Data Rate I (Corporate/Business/Purchase/

Fleet/World Corporate/World Business/World Elite Corporate/World Elite Business/Enhanced Business). ? The following MCCs are exempt from providing tax amount, but must send the tax exempt indicator: Marinas,

Marine Service and Supplies (MCC 4468); Service Stations (MCC 5541); Automated Fuel Dispensers (MCC 5542); Miscellaneous Food Stores, Convenience Stores and Specialty Markets (MCC 5499); Fuel Dealers-Fuel Oil, Wood, Coal and Liquefied Petroleum (MCC 5983); Truck Stop Transactions (MCC 7511); UK Petrol Stations-Electronic Hot File (region use only) (MCC 9752); Transportation-Suburban and Local Commuter Passenger, including Ferries (MCC 4111); Bus Lines (MCC 4131); Courier Services-Air and Ground, Freight Forwarders (MCC 4215); Bridge and Road Fees, Tolls (MCC 4784); Schools, Elementary and Secondary (MCC 8211); Colleges, Universities, Professional Schools, and Junior Colleges (MCC 8220); Organizations, Charitable and Social Service (MCC 8398); Organizations, Religious (MCC 8661); Court Costs including Alimony and Child Support (MCC 9211); Fines (MCC 9222); Tax Payments (MCC 9311); Government Services not elsewhere classified (MCC 9399); and Postal Services - Government Only (MCC 9402). ? The following MCCs are required to provide fuel addendum data on Fleet cards, but are exempt from providing Level II data on other commercial cards: Marinas, Marine Service and Supplies (MCC 4468); Service Stations (MCC 5541); Automated Fuel Dispensers (MCC 5542); Miscellaneous Food Stores, Convenience Stores and Specialty Markets (MCC 5499); Fuel Dealers-Fuel Oil, Wood, Coal and Liquefied Petroleum (MCC 5983).

Level III ? Level III data is line item detail, which includes item description, item quantity, item unit of measure, product code,

credit and debit indicator, extended item amount, and either a valid tax amount or a tax exempt indicator. ? Large ticket transactions require Level III data. ? All Mastercard Purchase Card levels require a customer code to be sent, if the cardholder provides it.

? 2020 Wells Fargo Merchant Services, L.L.C. All rights reserved. level3

WFMS-157 (9/20)

Visa requirements for Level II and Level III data

Level II ? Level II data requires a valid sales tax amount and tax indicator. ? Sales tax must be between 0.1% and 22%. If tax exempt ($0 entered as tax amount or blank), transaction will clear at

Visa Card Present (Corporate/Business/Purchase), Card Not Present (Corporate/Business/Purchase), or Business-toBusiness (Business). ? Purchase card transactions from fuel MCCs do not require sales tax, but do require customer code. Corporate card transactions at fuel MCCs do require sales tax, but do not require customer code. Fuel MCCs consist of: 4468, 5499, 5541, 5542, and 5983.

Level III ? Level III data is line item detail, which includes item description, item quantity, item unit of measure, item freight/

shipping amount, item commodity code, item discount amount, duty amount, product code, unit cost, discount per line item, and line item total. Fleet Purchasing, GSA Purchasing and Purchasing cards for fuel transactions, fuel data is required. Visa Fuel Data Requirements include business format code, type of purchase, fuel type, unit of measure, quantity, gross fuel price, and miscellaneous fuel tax exemption status. ? Large ticket transactions require Level III data, customer code, and either a valid tax amount or a tax exempt indicator.

Level III data field requirements

The table below describes Level III data fields and how the data must be entered. Please work with your point-of-sale (POS) equipment supplier to verify that your equipment can pass Level III data.

Data field name Discount amount

Freight/ shipping amount

Duty amount

Item commodity code

Item descriptor

Description

How data must be entered

Data field requirements

The total discount amount applied to a transaction (i.e., total transaction percentage discounts, fixed transaction amount reductions, or summarization of line item discounts).

Must not be all zeros if a discount amount exists and last two digits are implied decimal places. Must be all zeros if discount amount does not exist.

Optional for Mastercard and Visa.

The total freight/shipping amount applied to a transaction. Merchants can choose to deliver the contents of a single transaction in multiple shipments, and this field reflects the total cost of those deliveries.

Must not be all zeros if a freight/shipping amount exists and last two digits are implied decimal places. Must be all zeros if freight/shipping amount does not exist.

Optional for Mastercard and Visa.

The total duty amount applied to a transaction. Duty can also be known as Import Tax, Excise, Customs Tax, Impost, or Levy.

Must not be all zeros if a duty amount exists and last two digits are implied decimal places. Must be all zeros if duty amount does not exist.

Optional for Mastercard and Visa.

Commodity codes are used by corporate purchasing organizations to segment and manage their total spend across diverse product lines. There is no universally accepted commodity code standard, but the United Nations Standard Products and Services Code (UNSPSC) is widely deployed.

Must not be all spaces or all zeros.

Optional for Mastercard and required by Visa.

A specific description of the item purchased.

Must not be all spaces or all zeros.

Required by Mastercard and Visa.

2 Capture Levels II and III data

Data field name Product code

Quantity Unit of measure Unit cost

Discount per line item Line item total

Extended item amount

Debit or credit indicator

Description

How data must be entered

Data field requirements

Product code is typically the supplier's unique product identifier. This is usually identified with an inventory number or UPC code. If the merchant doesn't have an inventory numbering system, the merchant needs to enter something other than spaces or zeros.

Must not be all spaces or all zeros.

Required by Mastercard and Visa.

The number of products for this line item included in the transaction.

Must not be all spaces or all zeros. The last four digits are implied decimal places.

Required by Mastercard and Visa.

The metric used for understanding quantity (i.e., a box of 12 pencils may be called DOZEN or BOX).

Must not be all spaces or all zeros.

Required by Mastercard and Visa.

Used to determine the cost of the measurable unit. In the example used above, the unit cost would be the cost per box of pencils. This field is not intended to derive the cost of the lowest measurable unit (i.e., cost per pencil).

Must not be all spaces or all zeros. The last four digits are implied decimal places.

Optional for Mastercard and required by Visa.

Used to capture discounts applied at a line item level. Examples include line item (or product level) percentage discounts and fixed amount reductions.

Must not be all zeros if a Discount exists, and the last two digits are implied decimal places. Otherwise must be all zeros.

Optional for Mastercard and Visa.

This field is a calculation of the unit cost multiplied by the quantity and less the discount per line item. The calculation is reflected as: [Unit Cost * Quantity] ? Discount per Line Item = Line Item Total.

Must not be all spaces or all zeros, and last two digits are implied decimal places.

Optional for Mastercard and required by Visa.

This is the total purchase amount spent on an item. It's normally calculated as the unit price multiplied by the quantity sold.

Must contain the "extended item amount" and be a number greater than zero, unless the "zero cost to customer indicator" is marked with a "Y" for yes. This field is usually automatically filled in by the point-of-sale device.

Required by Mastercard and optional for Visa.

Indicates whether the extended item amount is a debit or credit.

Must contain one of the following values:

D - Extended item amount is a debit.

C - Extended item amount is a credit. This field is usually automatically filled in by the point-of-sale device.

Required by Mastercard and optional for Visa.

3 Capture Levels II and III data

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