Merchant Focus can assist you to qualify for the lowest rates for all types of Purchasing Cards, and we specialize in Large Tickets.

Purchase Cards (also called Procurement Cards, ProCards, P-Cards, Purchasing Cards or just pcards) are specialized Visa, MasterCard or American Express card systems that focus on the requirements of business-to-business and Government commerce with the following features:

• Specialized credit/charge cards that are centrally billed to the organization
• Can be set with effective user-configurable transaction and financial controls to manage usage
• Cardholders granted authority to place orders directly with suppliers
• Cash disbursement to suppliers made through the banking system
• Reporting / system management software provided to customer by card-issuing bank to manage purchase, accounting and supplier information

Increasingly, businesses and government agencies are relying on purchasing cards to compensate their service providers and suppliers. Businesses benefit by receiving their funds quickly and by winning competitive bids and government contracts where purchasing cards are the required form of payment. The downside, however, is the
increased costs associated with receiving these payments compared to accepting checks.

Does your company typically deal with business, corporate or government GSA purchasing cards? If so, you can benefit from lower processing fees for Visa& MasterCard transactions from Established Merchants Only.com by submitting Level 2 or Level 3 data (Level II / Level III).

Level 2 Data Processing (Level II)

To have your transactions qualify for level 2 pricing, you must use a certified product that collects and submits the data properly.

Required Data to Qualify for Level 2:
Standard Info - credit card number & exp, billing address, zip code & invoice number.
Customer Code - no longer required, but encouraged if they have it.
Sales Tax - an amount must be submitted separately from the total transaction amount.

Products Supporting Level 2 Data:
• Internet Gateway - such as Authorize.Net
• Computer Software - such as PC Charge

Level 3 Data Processing (Level III)

To have your transactions qualify for level 3 pricing, you must use a certified product that collects and submits the data properly.

Required Data to Qualify for Level 3:
Standard Info - credit card number & exp., billing address, zip code & invoice number.
Customer Code - no longer required, but encouraged if they have it.
Sales Tax - an amount must be submitted separately from the total transaction amount.
Freight Amount - If unavailable, enter $0.00
Duty Amount - If unavailable, enter $0.00
Line Item Details:
Product / Service ID (item ID)
Product / Service Description
Quantity
Item Amount (like $100)
Unit of Measure

Products Supporting Level 3 Data:
• Internet Gateway - EC-Zone by 3Delta Systems

Many merchants can qualify for a lower Interchange Rate by processing more in-depth Level 3 data (or line-item detail) with each transaction.

Please click here to learn more about our Case Studies.

To see a table of Level 1, Level 2, Level 3 data, please click here.