Many contractors unknowingly pay far more than necessary, especially on Business-to-Business (B2B) and Business-to-Government (B2G) transactions, simply because their payment systems aren’t configured to qualify for lower interchange rates.

Why So Many Contractors Pay More Than They Should

If you accept corporate, fleet, or government purchasing cards, you might assume your processor is automatically giving you the best rates. The reality? Unless your system is passing Level 2 and Level 3 data, you’re likely paying standard interchange — and leaving significant savings on the table. Level 3 processing can lower the  payment processing fees for government contractors by up to 40%.

Visa and Mastercard offer special reduced rates for these types of transactions, but only when enhanced data is submitted during the transaction.

Most payment processors either don’t support this or haven’t properly set up contractors to take advantage of it. As a result, many businesses end up spending 30% to 50% more than necessary on processing costs.

What Is Level 2 and Level 3 Credit Card Processing?

These are enhanced data levels used in commercial transactions.
When you provide extra details like tax amount, invoice number, and product line items at the time of the sale, card brands see the transaction as lower risk and reward you with lower interchange rates.

The more data you submit, the better your pricing:

• Level 1: Standard consumer-level data

• Level 2: Business data (tax, invoice, etc.)

• Level 3: Detailed line-item information for government/commercial cards

How Contractors Can Reduce Processing Costs Without Extra Work

At Revolution Payments we’ve built tools that automatically handle Level 2 and Level 3 data submission behind the scenes — no manual input needed from your team.

We work exclusively with B2B and B2G contractors, helping you qualify for the lowest possible rates on every eligible transaction. The result? Substantial monthly savings with zero operational disruption.

The Cost of Not Being Set Up Properly

Data shows that 75% to 80% of government contractors are not configured to receive Level 3 pricing. That means most are paying far more than they should on every card transaction — without even realizing it.

If your company accepts GSA SmartPay or corporate purchasing cards, you could be missing out on savings of 1% to 1.5% per transaction.

The Fastest Way to Know If You’re Overpaying

We offer a free, no-obligation interchange analysis that benchmarks your current setup against the most favorable rates offered by Visa and Mastercard.

This audit reveals whether your business is leaving money on the table — and how much you could be saving. With the next round of interchange updates arriving this April and October, now is the perfect time to optimize.

Ready to Stop Overpaying?

If you’d like immediate insight into how much your business could save, you can:

• Upload a recent statement: Click here to submit securely

• Call us directly: 888-790-3450 if you have questions on payment processing fees for government contractors.

• Revolution Payments is a SAM-registered, CAGE-coded vendor that specializes in helping government contractors reduce their interchange costs with Level 3 processing

Make sure you work with an experienced payment professional to ensure you are set up properly to receive 100% of the incentive rates.  Questions on how you can save money with Level 3 P-card processing give us a call at 888 790 3450 or email info@ revolution-payments.com

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Save Money with Level 3 P-Card Processing

In Episode #51, we talk with Sean Jones of Revolution Payments about how contractors could benefit from level 3 credit card processing.  The option has been around for years but not every contractor realizes it.   Though some GSA contracts require level 3, others do not, yet contractors can still take advantage of the savings.  Sean explains the history of level 3 and its  savings.

https://www.buzzsprout.com/980551/12714131

It’s regrettable that many in the contracting industry are unaware of the advantages that correct processing solutions can present.

To support acceptance of corporate & gov P-cards, MC & Visa have reduced interchange rates associated with these cards if Level-2 & Level-3 data is included in the transaction report.

Revolution Payments developed the level III processing technology to help contractors meet these requirements resulting in qualifying for MasterCard and Visa’s lower rates.

These reduced rates are passed on to the contractor dramatically lowering their fees and saving in many cases as much as 50% on our clients processing fees.

It has been our experience that the vast majority of contractors (75 to 80%) that engage in B2B and B2G processing are not aware of or properly set-up to take advantage of MasterCard and Visa’s special rates on the Corporate and Purchase Card programs.

Questions? Give us a call at 888 790 3450

Receive your free no obligation complimentary confidential analysis email a recent statement to info@ revoution-payments.com