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

Few contractors are aware that Visa and MasterCard offer exclusive rates that can reduce transaction fees by 1%-1.5% for those who meet Level III processing requirements. Unfortunately, 3 out of 5 contractors miss out on these savings simply because they haven’t been informed of these options. By providing Level III line-item detail, contractors not only save on processing fees but also help buyers improve their purchase card management.

Despite these substantial benefits, many contractors are set up by banks or processors that don’t specialize in government contracting. They may lack the knowledge to guide you toward the correct processing setup—missing an opportunity to reduce costs on every transaction.

With credit card fees directly impacting your bottom line, having a clear understanding of your rate structure can empower you to make smarter financial choices.

Revolution Payments has been helping government contractors process credit cards correctly, at the lowest costs for over 20 years.

Ready to optimize your government purchase card processing and your government contract? Contact us at (888) 790-3450 or info @revolution-payments.com for expert advice on maximizing your savings.

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

Interchange amounts to at least 80% of the fees you pay to accept credit cards.  Not only does interchange go back to the card issuing bank, not your processor, but Visa and MasterCard apply higher interchange rates 80-150 basis points to transactions to commercial and government cards that Do Not include level 2 and level 3 detail.   When most people review their rates, they generally only look at a processors rate, even though interchange amounts to bulk of their fees.

Given the current low profit margin derived by processors today the focus should be to better manage the interchange cost and human error cost directly associated with payment acceptance.

Commercial and Government Credit Cards.

Commercial cards have the ability to qualify at lower interchange rates if, level II and level III detail is provided. Commercial cards qualify at 1 of 3 different interchange levels. Level 1, level II or level III. The higher the level, the lower the interchange cost.

Think of level II and level III detail as additional information regarding a sale.  Level II, is sales tax and invoice/customer code. Level III is like item detail. Think of information you might find on an invoice.

Visa Level III Requirements

Mastercard Level III Requirements

When this information is summitted with a transaction, interchange is lowered by 30%-40%.  I will use Visa as an example.  Accepting a commercial card without level 3 detail will cost you anywhere from 80 to 150 basis points depending on the type of card and size of the transaction.  This happens before your processor ads their fee.

Learn how to lower credit card processing interchange fees by reaching out to your processor to set up your merchant account to process level III processing information  You will need to use a level III capable gateway. Terminals do not support level III information however, there are some companies like revolution payments who provide an optimization service that runs behind the scenes and can automatically attach this information before transactions settle.

If you have questions about level III processing or how to lower credit card processing interchange fees. Give us a call at  888 790 3450 or email info@ revolution-payments.com

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

This solution will  optimizes every credit card a government contract accepts to the lowest possible interchange rate.  Behind the scenes this powerful  automatically reclassifying government purchase cards and commercial cards  to level 3 interchange rates.

Process transactions above $5,984.62 ?  Then you automatically qualify to receive High Ticket interchange rates, if level 3 detail is provided with the transactions. This lowers the interchange cost of this transaction to 1.2%.  This reduces your Interchange Fees Associated With Accepting Government Purchase Cards by almost 1%.

Government vendors can enter level 3 detail on their own and qualify for level 3 interchange rates, however, many vendors that accept purchase cards don’t properly pass along enhanced data to qualify for these lower interchange rates.  Even though this is nothing new and been around for over 15 years, statistics show that at least 3 out of 5 vendors are not participating and others may be providing level 3 detail but are not set up in a way to receive 100% of the benefits.

Why is level 3 processing for government vendors?

Interchange accounts for the largest portion of a vendor’s credit card processing expenses (80% or more) and it’s paid to card-issuing banks. Processors and the card brands (Visa, MasterCard, and Discover) don’t see any revenue from interchange whatsoever.

To show you how powerful level 3 processing is, I will use Visa as an example.  If a vendor accepts a purchase card without level 3 detail, they will pay 80 basis points more in interchange before their processor adds their processing fee. For  transactions above $5,984.62,  a vendor will pay 1.5% more in interchange before their processor adds its fee.

This optimization service allows a vendor to recoup a large chunk of interchange revenue they cannot receive from a processor lowering its rate.

Questions about accepting government purchase cards or how the optimization service would increase your bottom line revenues, give us a call at  888 790 3450 or email info@ revolution-payments.com

Reduce your Interchange Fees Associated With Accepting Government Purchase Cards

Level 3 processing can reduce the interchange for accepting credit cards from other businesses and or government by up to 43%.   Interchange is responsible for the bulk of the fees you pay to accept credit cards; it’s also paid to the card issuing bank. Visa, MasterCard and your processor make no revenue whatsoever from interchange.

Commercial, business, fleet and government cards  are able to qualify for lower interchange rates if Level II and Level 3 processing detail is processed with a transaction.

Accept a B2B or B2G card without level 3 detail, it qualifies at level 1, costing you roughly 80 basis points more in interchange.  You can see this by doing a quick Google search for Visa Interchange rates. Page 13.

Unfortunately, many businesses who sell primarily to other businesses or government are not passing along the enhanced data required to receive these lower interchange rates; others may be using software or a device that does not support Level 3 processing.

Now, with Revolution payments Level 3 Payment Processing solution for QuickBooks Online users, QB users can take advantage of these lower interchange rates.

Revolution Payments automatically updates your transactions to level 2 and level 3 processing rates, without requiring you to manually enter this data.  This prevents human error and  optimizes every  transaction to the lowest-possible interchange rate

Additional Features:

• Sale
• Invoice
• Sales Order
• Credit Memo
• Offline mode – accept credit cards without having internet access and process those later
• Level II support for reduced credit card transaction fees
• Level III support for purchasing cards
• Accept credit card and electronic check payment
• Print payment receipts
• Performs transaction types like Authorize, Capture, Void, Credit, etc.
• Receive Payment

Have questions, about our Level 3 Payment Processing solution for QuickBooks Online ,or want a no obligation savings analysis and review? Give us a call.   888 790 3450 or email info@ revolution-payments.com

Implement 21^st century payment processing technology is required to keep your business both competitive and compliant.

Accepting GSA SmartPay cards requires processing technology able to capture level II and level III payment data. Government & Commercial cards accepted without level 3 detail qualify at different codes and cost roughly 1% more, regardless of the rate your processor is charging you.

Level 3 data allows you to reduce the cost of accepting GSA SmartPay cards by as much as 40%.

What Is Level III Data?

Level III data is information you typically find on an invoice that is included with a credit card transaction. An easy way to explain level III data is to think of an invoice, information you’d generally find on an invoice that is included. The “what”, “how” and “who” of a sale.

Level 3 processing was created to prevent excess spending on government cards. The level III detail, entered at the sale, showed up the governments bank statement to help them reconcile charges.  Level 3 processing has been around for more than 15 years, offers tremendous savings, yet 3 out of 5 vendors are not set up, many that are, are not set up to receive 100% of the lower interchange rates.

How Do You Take Advantage Of Level III Interchange Rates?

First, your processor has to set you up properly and you need a virtual terminal or software able to capture the level III data fields. Some of these fields are below. Some programs can auto populate this info, but you may be working with an agency that requires you to manually enter level 3 detail.  Unfortunately many vendors are using equipment that is outdated equipment along with  bad processing practices.

Visa Level III Requirements

Freight / Shipping Amount Unit of Cost
Discount Amount Unit of Measure
Duty Amount Discount Per Line Item and Line Item Total
Item Commodity Code Ship-To Zip Code Product Code Ship-From Zip Code
Item Descriptor Destination Country
Quantity VAT information (tax amount, rate, invoice #)

MasterCard Level III Requirements
Tax Amount Item Quantity
Customer Code (for Purchasing Cards) Unit of Measure
Tax ID Extended Item Amount Tax Indicator Description
Product Code Debit or Credit Indicator

With greater and greater utilization of Government Purchase Cards, it is now of even of greater importance to properly manage your account when Accepting GSA SmartPay Cards.   This will ensure you receive Visa and MasterCard’s level III  interchange rates for Accepting GSA SmartPay Cards, and that your business is processing as efficiently as possible.

If you accept a government P card without providing level III payment detail, you’re losing 1% of potential revenue that has NOTHING to do with the rate your processor is charging you.

Remember, interchange amounts to roughly 80% of your expense for accepting credit cards, commercial cards accepted without level 3 detail qualify at different codes, and cost 1% more before your processor adds their fee.

Questions About Level III Data Or Accepting Government Purchase Cards, Give Us A Call  888 790 3450

Many businesses accepting B2Band B2G transactions do not properly pass on level II or Level III line item detail.  This service can automate qualification for these transactions, reducing your cost of accepting commercial cards by 30%-40%.

This Interchange optimization is 100% automated, nothing to key, program or get training on. The service also works with any credit card terminal or gateway, as long as its supported by First Data and Elavon.

This program is designed for commercial credit cards, ie, corporate cards, commercial, purchase cards, fleet cards, government and business cards.

Commercial cards have different interchange fees and requirements than consumer cards. Commercial cards clear at one of three interchange categories. Level 1, level 2, or level 3. The higher the level, the lower the interchange rate.

Interchange fees can amount to 80% and more of a businesses total expense.  This level II and Level III interchange optimization service allows a business to recoup a large chunk of interchange fees that will otherwise go to the card issuers.

Interested in learning more about this Interchange Optimization service, or curious to see how this service will reduce your credit card processing fees We’d love to provide a no obligation review and analysis.  Give us a call at 888 790 3450 or email info@ revolution-payments.com

Did you know Visa and MasterCard created special rates for vendors who accept government credit cards that lowers transaction cost by 40%  Qualifying your transactions Under 2% whether you key, process over the internet, or swipe them?  If not, don’t worry. Even though level 3 processing was created more than 15 years ago, 3 out of 5 vendors are not set up to accept P-cards correctly, meaning, they are not passing level 3 payment line item detail on government P cards.

This causes you to lose roughly 1% on every transaction for reasons, Non Related to your processors rate.

Only  transactions that include level 3 detail are eligible for level 3 interchange rates.

 Special  Interchange rates are published on Visa and MasterCard’s site.

Visa Commercial Level III             1.85% + $0.10

MasterCard  Data Rate III              1.75% + 0.10

Visa Card Not Present Transactions  Only!

• $10,000.01 – $25,000 70% + $49.50
• $25,000.01 – $100,000 60% + $52.50
• $100,000.01 – $500,000 50% + $55.50
• Greater than $500,000 40% + $58.50

• GSA Large Ticket 20% + $39.00
• MasterCard Large Ticket I 20% + 40.00

What is Level 3 processing?

Level 3 processing is additional line item detail about a transaction. (PO#, descriptions, quantities, tax detail (tax exempt), etc. Information you’d generally find on an invoice. This information is passed with a transaction to the card issuer. This qualifies these transactions at different codes, (level 3 interchange) lowering the cost of accepting these cards by 30%-40%. GSA Can Vendors Double Your Profit Margins With Level 3 Processing!

Paying more than 2.25% to accept government P cards?

Our Guarantee!
You will see a cost reduction of 20% on the majority of your commercial and government transactions (regardless of your current rate or processor) or
I we donate $250 to your favorite charity in your name for wasting your time.

Questions? Give us a call 888 790 3450 or email info@ revolution-payments.com

GSA Vendors Double Your Profit Margins with a merchant account from Revolution Payments

We are a full service payment provider for Business-to-Government (B2G) &  Business-to-Business(B2B) companies that require a provider able to support the qualifications required for Level-2 & Level-3 credit card processing Interchange rates

At Revolution Payments, we do things differently, and have been for over 20 years. Our clients are some of the most educated consumers around. Why? Because we take the time to give them straight answers about everything they need to know, impeccable personalized customer service, clear and understandable monthly statements and knowledge about their fees, the latest technology, and the many ways to save money and run their businesses more efficiently without any long term agreements or worry.

We can automate your interchange rate qualification by automatically attaching Level 2 and Level 3 processing credit card processing data on your behalf. This ensures your transactions qualify at the lowest possible interchange rates.

We support Level 3 processing solutions through: QuickBooks, Authorize.net, Magento, Mobile and many ERP solutions. We also support Level 3 card data through all payment channel-swiped, keyed, mobile or internet

We extend powerful payment solutions, flexible connectivity, and easy to use level 3 Processing Payment technology and effective fraud monitoring and security tools to customers around the globe.