Business Card Level II Data Rate - Visa Interchange Categories

The Business Card Level II (US COMM L2) is an interchange category that is used to calculate the interchange fee for card-not-present transactions involving a payment made with a business credit card instead of a consumer credit card. This interchange category has several rates associated, depending on the " spend tier" associated. Interchange rate & fee Spend tier I: 1.90% + $0.10 Spend tier II: 2.05% + $0.10 Spend tier III: 2.10% + $0.10 Spend tier IV: 2.20% + $0.10 Spend tier V: 2.25% + $0.10 The interchange table does not list the corresponding dollar amounts for each tier, but Visa's other tiers (such as for supermarkets) typically go from largest volume at tier 0 or 1 to the smallest volume at tiers 4 or 5. Also known as: US COMM L2 Qualification criteria The Business Card Level II interchange category will apply under the following conditions:

The card is not present (or is keyed in) at the time of purchase
The transaction takes place at a US-based merchant with a US acquirer
The transaction is CPS qualified
Enhanced clearing data must be provided
Merchant Category Code (MCC) cannot be a travel service
Transaction must be settled within three days of the original transaction date

Typical bundled qualification Qualifications for transactions vary, but many processors consider the Business Card Level II transactions to be qualified for card-not-present businesses and mid-qualified for card-present businesses.

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Ben Dwyer began his career in the processing industry in 2003 on the sales floor for a Connecticut‐based processor. As he learned more about the inner‐workings of the industry, rampant unethical practices, and lack of assistance available to businesses, he cut ties with his employer and started a blog where he could post accurate information about credit card processing. As the blog gained in popularity, Ben began directly assisting merchants in their search for a processor. Ben believes in empowering businesses by providing access to fair, competitive pricing, accurate information, and continued support. His dedication to transparency and education has made CardFellow a staunch small business advocate in the credit card processing industry.

Visa Business Card Level II Data Rate

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