Credit Card Processing

Visa Business Card Level II Data Rate


April 18, 2018

Visa’s Business Card Level II (US COMM L2) is an interchange category used to calculate the interchange fee for card-not-present transactions made with a business credit card.

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.

Interchange rate & fee: 2.05% + $0.10

Also known as:

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.

Ben Dwyer

BY Ben Dwyer

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.

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