Level 3 Credit Card Processing

Level 3 credit card processingCredit card processing fits into three different levels: Level 1, Level 2, and Level 3. As you go up levels, your business is required to add more information in order to process a transaction. Typically, most businesses can stay at Level 1, however, depending on the type of cards you take, the amount you’re processing, and the information you need to gather in order to secure a transaction, you might qualify for a higher level. This includes Level 2 credit card processing and Level 3 credit card processing.

How Level 3 Credit Card Processing Works

As mentioned above, Level 3 credit card processing works similar to Level 1  and Level 2 credit card processing. However, the higher levels you go when accepting payments, the more information is required in order to process. With Level 1, card data is typically associated with consumer transactions. With Level 2, you require a tad bit more information such as purchase order number. With Level 3 credit card processing, you’ll need all the same information as Level 1 and Level 2, with an additional capture of specific line item data. That data includes ship to zip, country, and quantity.

Common Questions about Level 3 Credit Card Processing

What businesses typically qualify for Level 3 processing?

While most businesses can stick to Level 1 processing, there are certain types of businesses who benefit from Level 3 processing. Those businesses sometimes include:

Is it more expensive to process Level 3 credit card transactions?

Not usually. In fact, Level 2 and Level 3 card data qualifies for lower Visa and MasterCard interchanges rates. For more on pricing and interchange, click here.

Do I need special equipment to process Level 3 credit card transactions?

A standard terminal generally will not support Level 3 transactions. Because there is extra levels of data required for processing, your business might need specialized software that you can access via a secure website application such as a virtual terminal or payment gateway. This type of equipment allows you to key enter line item data for each transaction.

What information might I need to provide to process a Level 3 credit card transaction?

To submit a Level 3 credit card processing transaction, you might be asked for the following information:

  • Ship to Zip
  • Ship to Country
  • Quantity
  • Description
  • Unit Price
  • Unit Measure
  • Product

Is it safe and secure?

Like all our credit card processing measures, Level 3 credit card processing is just as safe and secure. In fact, it’s typically more secure because it requires an extra level of information in order to process the transaction. This reduces any potential fraud or chargebacks to your business.


Ready to get set up with Level 3 credit card processing or just need credit card processing with Gravity Payments in general? Sign up with us below! We’ll help reduce the costs and headaches of accepting credit card payments by providing simple, fair, and seamless solutions for your business.

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 Source: manufacturer website

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