Level 3 Processing

The credit card processing system is setup on a three level system.

  • Level 1 transactions are standard retail transactions. The card holder is using a personal credit card issued from an American bank.
  • Level 2 transactions are normally corporate cards issued from an American bank.
  • Level 3 transactions are government credit cards or corporate cards.

These levels of requirements are made to determine if a certain transaction is a qualified transaction. A qualified transaction will ensure that the business gets the lowest qualified processing rate that they are signed up with. If the criteria for being qualified is not met, the transaction downgrades. A certified product that collects and submits the data properly to Visa/Mastercard is required to qualify for level 3 processing pricing.

Requirements For Level 3 Processing

  1. Standard Credit Card Information
    • credit card number,amount, expiration, billing address, zip code and invoice number.
  2. Merchant Name and Merchant State Code
  3. Sales Tax
    • an amount must be submitted separately from the total transaction amount.
    • Tax Identification, Item Tax Amount, Item Tax Rate, Item Tax Identifier, Alternate Tax Amount
  4. Freight/Shipping Amount (If N/A enter $0.00)
  5. Duty Amount (If N/A enter $0.00)
  6. Line Item Details:
    • Product / Service ID (item id)
    • Product/ Service Description
    • Quantity
    • Item Amount
    • Unit of Measure
  7. Customer Code (Recommended, not required)

Variables

Transaction API

Merchants can pass information about the individual line items that make up an order. This data is visible on the transaction details page. Up to 100 lines may be stored per transaction.

Field Max Length Description
UMcommand Processing Command. Possible values are: cc:sale, cc:authonly, cc:capture, cc:credit, cc:postauth, check:sale, check:credit, void, refund and creditvoid. Default is sale.
UMkey ALL The source key (assigned by the server when you created a source in your virtual terminal).
UMcard CC:Sale, CC:AuthOnly, CC:Credit, CC:PostAuth Credit Card Number with no spaces or dashes.
UMexpir CC:Sale, CC:AuthOnly, CC:Credit, CC:PostAuth Expiration Date in the form of MMYY with no spaces or punctuation.
UMtax Portion of above charge amount (UMamount) that is sales tax.
UMduty Duty charge (Required only for level 3)
UMinvoice * Unique Invoice or order number. 10 digits. While not required, it is strongly recommended that this field be populated for CC:Sale, CC:AuthOnly, CC:PostAuth, CC:Credit, Check:Sale and Check:Credit
UMponum Purchase Order number. Only required for corporate purchasing cards.
UMorderid Order identifier. This field can be used to reference the order to which this transaction corresponds. This field can contain up to 64 characters and should be used instead of UMinvoice when orderid is longer that 10 digits.
UMname * Name on card or checking account. While not required, it is strongly recommended that this field be populated for CC:Sale, CC:AuthOnly, CC:PostAuth, CC:Credit, Check:Sale and Check:Credit
UMstreet * Billing Street Address for credit cards. Used for Address Verification System. While not required, this field should be populated for Fraud Prevention and to obtain the best rate for Ecommerce credit card transactions. It should be populated for CC:Sale and CC:AuthOnly
UMzip * Billing Zip Code for credit cards. Used for Address Verification System. While not required, this field should be populated for Fraud Prevention and to obtain the best rate for Ecommerce credit card transactions. It should be populated for CC:Sale and CC:AuthOnly
UMcvv2 * CVV2 data for Visa. Set to -2 if the code is not legible, -9 if the code is not on the card. While not required, this field should be populated for Fraud Prevention and to obtain the best rate for Ecommerce credit card transactions. It should be populated for CC:Sale and CC:AuthOnly
UMshipping Portion of above charge amount (UMamount) that is for shipping charges.
UMshipzip Shipping zip code
Field Required Description
UMline*productrefnum 12 (optional) Gateway assigned product RefNum, used for inventory control.
UMline*sku 32 Product id, code or SKU
UMline*name 255 Item name or short description
UMline*description 64k Long description
UMline*cost 00000000.00 Cost of item per unit of measure (before tax or discount)
UMline*qty 00000000.0000 Quantity
UMline*taxable 1 Y = Taxable, N = Non-taxable
UMline*taxrate 00.000 Tax rate for line (only required for level 3 processing)
UMline*taxamount 00000000.00 Amount of tax charge for line (if left blank will be calculated from taxrate)
UMline*um 12 Unit of measure. If left blank or an invalid code is sent, EA (Each) will be used. See list of valid unit of measure codes
UMline*commoditycode 12 Commodity code (only required for level 3 processing). See http://www.unspsc.org/ for valid list of codes.
UMline*discountrate 000.000 Discount percentage for line (only required for level 3 processing)
UMline*discountamount 00000000.00 Discount amount for line (if left blank will be calculated from discountrate)
  • replace the '*' with the line number. For example UMline1sku.

Transaction API

SOAP API

Transaction Detail

Type Name Description
string Invoice Transaction invoice number. Will be truncated to 10 characters. If this field is not provided, the system will submit the RefNum in its place.
string PONum Purchase Order Number for commercial card transactions - 25 characters. (Required for Level 2 & 3)
string OrderID Transaction order ID. This field should be used to assign a unique order id to the transaction. The order ID can support 64 characters.
string SessionID Optional Session ID used for customer analytics and fraud prevention. Must be get generated using the ..:methods:getSession method. See the developer:profiling guide for more information
string Clerk Sales Clerk. Optional value indicating the clerk/person processing transaction, for reporting purposes.
string Terminal Terminal Name. Optional value indicating the terminal used to process transaction, for reporting purposes.
string Table Restaurant Table Number. Optional value indicating the restaurant table, for reporting purposes
string Description Transaction description.
string Comments Comments. Free form text.
boolean AllowPartialAuth Allow a partial authorization if full amount is not available (Defaults to false)
double Amount Total billing amount. (Subtotal+Tax+Tip+Shipping-Discount=Amount.)
string Currency Currency Code. 3 digit currency code of total amount.
double Tax Portion of total amount that is tax. (Required for Level 2 & 3)
double Tip Portion of total amount that is tip.
boolean NonTax Determines whether a transaction is non-taxable.
double Shipping Portion of total amount that is shipping charges. (Required for Level 3)
double ShipFromZip Zipcode that the order is shipping from. (Required for Level 3)
double Discount Amount of discount.
double Duty Amount of duty charged. (Required for Level 3)
double Subtotal The amount of the transaction before tax, tip, shipping and discount have been applied.

Line Item Properties

Type Name Description
string ProductRefNum Unique ID of the product
string SKU A stock-keeping unit is a unique identifier for each distinct product and service that can be purchased
string ProductName Name of the product
string Description Description of product or purchase
string UnitPrice Individual price of the unit
string Qty Total number of items
boolean Taxable Taxable good flag
SOAP API

PHP

General Properties
key Source Key generated by the Merchant Console at www.swipebox.io.
pin Pin for Source Key. This field is required only if the merchant has set a Pin in the merchant console.
command Command to run; Possible values are: cc:sale, cc:authonly, cc:capture, cc:credit, cc:postauth, check:sale, check:credit, void, refund and creditvoid Default is cc:sale.
card Credit Card Number with no spaces or dashes.
exp Expiration Date in the form of MMYY with no spaces or punctuation.
amount Charge amount without $. The amount field should include the total amount to be charged, including sales tax.
tax The portion of amount that is sales tax.
shipping Shipping charges.
invoice Unique ticket, invoice or order number. 10 digits.
orderid Unique order identifier. Used to reference the order to which the transaction corresponds. This field can contain up to 64 characters and should be used instead of invoice when orderids longer that 10 digits are needed.
ponum Customer purchase order number. Only required for commercial cards.
cardholder Name as it appears on the creditcard.
street Street Address for use in AVS check
zip Zipcode for AVS check
description Charge description (optional).
cvv2 CVC/CVV2 code (optional).
Line Items Description
refnum (optional) Gateway assigned product RefNum, used for inventory control.
sku Product id, code or SKU
name item name or short description
description Long description
cost Cost of item per unit of measure(before tax and discount)
qty Quantity
taxable Y = Taxable, N = Non-taxable
taxrate Tax rate for line Required for level 3 processing
taxamount Amount of tax charge for line (if left blank will be calculated from taxrate) Required for level 3 processing
um Unit of measure. If left blank or an invalid code is sent, EA (Each) will be used Required for level 3 processing
commoditycode Commodity code Required for level 3 processing
discountrate Discount percentage for line Required for level 3 processing
discountamount Discount amount for line(if left blank will be calculated from discountrate) Required for level 3 processing

PHP

Processing Platform

Currently First Data North and TSYS are the only platforms that processes level 3 commercial cards.

  • FDMS(North) - (800) 542-1894
  • TSYS - (800) 552-8227
 

For inquiries contact us at (720) 277-0648