• B2B Payments

    The Complete Guide

B2B Payments


The Definitive Guide to Level 3 and B2B Credit Card Processing

What is Level 3 processing?

Credit card companies offer discounted processing on purchases made with corporate or purchasing cards if additional line item information is collected at the time of the purchase. Passing on this data makes the transaction more secure, and by passing on the extra information to the card networks, you are rewarded with the reduced interchange rates. Since B2B transactions are often much higher value than traditional credit card purchases, this discount can save your company thousands of dollars instantly on your credit card interchange fees, simply by doing business the way you always have!

Are there any other discounts that can apply?

As a matter of fact, most credit card companies also offer discounts for transactions over a certain dollar. These transactions, also known as large ticket transactions, qualify for reduced interchange fees and processing fees if you collect the additional line item data at the time of transaction.

How do I qualify for Level 3 discounts?

The only requirement to get access to these level 3 discounts is that you have a payment processing machine that can capture and transmit the additional line item data. NPC offers a variety of B2B and Large Ticket specialized machines that can help you automatically capture the data and qualify immediately for discounted interchange rates with no additional work on your end.

How much can Level 3 processing save me?

For every $250,000 a year you accept in credit card transactions:

Processing Without
Level 3 Discount

2.7% Processing Fee

$6,750

Processing With Level 3 Discount

1.9% Rate

$4,750

Savings with
Level 3 Discount

Save .8% on rates

Save $2,000 annually

How much can Large Ticket processing save me?

If you accept a single $200,000 credit card transaction:

Processing Without
Large Ticket Discount

2.7% Processing Fee

$5,400

Processing With
Large Ticket Discount

1.4% Rate

$2,800

Savings with
Large Ticket Discount

Save .8% on rates

Save $2,600

Those savings add up quickly, and represent thousands of dollars of lost revenue that your business can start collecting today. Again, this can all be done with no additional work on your end, just by changing machines that can collect the additional data and inputting it at the time of transaction.

National Payment Corporation processes millions of dollars of Level 3 and Large Ticket credit card transactions every year, and has the technology, connections and expertise to help your company start taking advantage of this program today.

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