Introduction to Level II and Level III Processing

This supplement to the Credit Card Services User Guide describes:

■	Level II processing for American Express, Visa, and Mastercard

■	Level III processing for Visa and Mastercard

After this introductory chapter, there is a chapter for each processor that supports Level II or Level III.

 

This document provides guidelines that indicate which fields are needed in order to obtain the best interchange rates. These guidelines are based on industry information. CyberSource recommends that you contact your acquirer for the most current information because the payment card companies can change their requirements at any time.

 

Prerequisites for Level II Processing

To activate Level II processing for American Express, contact American Express and CyberSource Customer Support.

On OmniPay Direct, when you are ready to go live with Level II processing, contact CyberSource Customer Support to have your account configured to process Level II data. If your account is not enabled, and you try to send Level II transactions on OmniPay Direct, you will receive an error for invalid data.

Prerequisites for Level III Processing

Check with your processor to determine whether you need to add Level III processing to your contract or account setup.

When you are ready to go live with Level III processing, contact CyberSource Customer Support to have your account configured to process Level III data. If your account is not enabled, and you try to send Level III transactions, you will receive an error for invalid data.