Level II Card Data is additional information that can be attached to a credit card transaction string to provide more information for business, commercial, corporate, purchasing, and goverment cardholders. Both Visa and MasterCard maintain Level 2 Card Data Interchange Rates that are applied to transactions that are submitted with Level II Data.

The credit card system may return a response that indicates additional data is requested for the transaction. This occurs whenever a “purchase/business/commercial card” was used, and has been approved. If you have already supplied the “po”, “salestax”, and “salestaxtype” values, you may ignore this value and treat the response as a normal approval. Otherwise, simply supply this information, along with the “gateid” returned in the response, as part of an “UPDATE” command. Note that even if you do not perform the “UPDATE” command, the transaction has already been approved so that the merchant will be paid and the charge will appear on the cardholder’s statement. The value “corporatecardindicator” will be included in the response to indicate the specific processor’s letter for each of the different types of corporate cards (for example, B, R, S, etc)

Retail merchants will often encounter Level II Card Data when they swipe a corporate/commercial/business card and the credit card terminal prompts for a “Customer Code” or “PO Number”. This is often mistaken as a request for the three or four digit CVV2 code on the back or front of the card.

In fact, the terminal is reading the magnetic strip on the card and recognizing that the corporate/commercial/business credit card account has a Customer Code/PO Number feature. The Customer Code/PO Number is a four digit number that appears on the cardholder’s credit card billing statement that allows the cardholder to track purchases made with the card number. This is useful for corporate/commercial/business card accounts where more than one employee or person may have access to the card or card number.

When a retail merchant gets the Customer Code/PO Number prompt, the merchant should ask the customer if they know their Customer Code or PO Number, and then enter it with the sale. Unfortunately, many cardholders either do not use the feature, do not know what it is, or do not know the four digit customer code number. In these cases, the merchant should enter any random four digit number, and in most cases, the transaction will clear at the lower, Level 2 Interchange Rate. Entering four zeros or four ones or the same four digit number each time will not clear at Level II Data Rates, the number must be randomized each time.

Often, after the Customer Code/PO Number prompt, retail merchants will see the next most common Level II Card Data request, which is a prompt from the terminal to enter a Tax Amount. If there is sales tax on the purchase, the merchant should enter the amount of tax paid. If there is no sales tax, the merchant should enter zero. In either case, the merchant should receive the Level II Interchange Rate on the sale. If the merchant enters through this prompt without entering a tax amount or a zero, the sale will not qualify for a Level II Data Rate.