Level 2 and Level 3 Processing


What is Level 2 and Level 3 Processing?

The fees associated with accepting credit cards are a part of doing business, but it is possible to reduce the impact of these cost through Level 2 and Level 3 payment processing. 

Most merchants collect Level 1 data, which is very basic information about the transaction such as sale date and amount. Level 2 and Level 3 require the merchant to collect more detailed information from the transaction.

If you are a Business to Consumer (B2C) business, you are most likely processing payments at Level 1. This means you collect a minimal amount of information about the transaction and pay a higher interchange fee.

Business to Business (B2B) merchants that serve small or mid-size companies often collect more transactional information with Level 2 processing. B2B companies that cater to larger corporations, enterprise, or government entities often benefit most from Level 3 as they can collect the additional information required.

The amount of information you collect on each credit card transaction will impact your costs to accept those types of payments. Collecting the additional information provides additional transaction information to the corporate or purchasing card issuer, and to the cardholder for audit and expenses purposes, such that the card brands are able to offer lower fees to merchants. The additional information collected can also provide valuable insights into your customers’ buying habits, which allows you to customize sales tactics for additional revenue opportunities.

Data Requirement Examples 

Advantages of Working with Elavon for Your Level 2 and Level 3 Payment Processing

Elavon helps merchants identify Level 2 and Level 3 payment processing opportunities and provides recommendations that can help lower interchange fees, improve cash flow, and enhance reporting. Elavon’s Level 2 and Level 3 programs populate the necessary data for the merchant with no up-front cost.   

Level 2 and Level 3 Potential Savings










The world of payments is continuously evolving. Elavon offers global payment expertise, so you can focus on expanding your business capabilities. We offer technical expertise to engineer eCommerce business solutions in addition to offering flexible integration options, including semi-integrated and hosted solutions.

Elavon’s innovation allows you to keep up with advancements in payment technology. You can accept omnicommerce transactions and manage your payments through a single gateway solution. Robust reporting uses data to provide actionable insights that can lead to reductions in the overall cost of doing business.

Integrating payment solutions into software can be complex. Elavon is a proven partner for reducing that complexity, saving you development time and expenses with comprehensive, end-to-end solutions. Global brands trust Elavon to take care of their customers.

Every customer interaction reflects your brand, so we treat your customers as if they are our own. Elavon provides In-house multi-lingual customer support and dedicated relationship management available 24/7.



The experience of partnering with Elavon


"The Same Day Funding has been huge for us with the credit card processing. That cash flow in any small business is huge"

Derek Smith - Powersports

" It's just critical that a company like ELavon is there to perform reliably, so that we can focus on the other aspects of our business"

John Lamb - Bagel Boys Owner

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