Navidor Payment Solutions goes beyond basic services to offer advanced and automated solutions, designed to enhance your transactions and improve your bottom line.
Level 2 and 3 are processing methods specifically tailored for businesses engaged in B2B (Business-to-Business) and B2G (Business-to-Government) transactions, which typically process large tickets, but not exclusively.
Reducing Costs through Data
The interchange fees associated with accepting credit cards are a part of doing business, but businesses can reduce these costs by collecting and transmitting the right transaction data. This additional information reduces the risk of fraud, making transactions more secure and less expensive to process.
Data Advantage
| Level | Data Required (not exhaustive) | Card Type | Interchange Rate |
| Level 1 | Cardholder name, card number, Exp date, CVV code | All major credit cards | Very High |
| Level 2 | Level 1 data + Merchant name Transaction amount Sales Tax amount / duty amount Customer code Merchant zip code Tax ID / tax indicator Merchant state code | All major credit cards | Lower |
| Level 3 | Level 2 data+ Product Code Item Description Item Quantity Discount Amount Freight / Shipping Amount Quantity Discount per Line item and MANY more !! | Visa and Mastercard business cards | Lowest |
In summary, the more data transmitted with the transaction, the greater the savings!
Key Benefits
Level 2 and Level 3 processing benefits a wide range of merchants, regardless of theverticals they operate in.
- Cost Savings: Qualify for reduced interchange fees, optimizing your transaction costs.
- Industry Expertise: Leverage our expertise to navigate Level 2 and 3 processing complexities effortlessly.
Choose Navidor Payment Solutions for more than just payment processing—gain a strategic partner committed to enhancing your transaction efficiency and cost-effectiveness. Explore the advantages of L2 and L3 processing with us and elevate your payment experience.