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Level 2 & 3 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

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