Purchasing Card Level II Data Rate - Visa Interchange Categories

In the past, Visa has maintained two categories for commercial level II - one for purchasing cards and one for corporate cards. As of this update in 2023, Visa's published interchange table shows one consolidated category - Commercial Level II - for both card types. Rate & fee: 2.50% + $0.10 Also known as: US COMM L2 P Commercial Level II (US COMM L2 P) is an interchange category that is used to calculate the interchange fee for card-not-present transactions involving a payment made with a purchasing card instead of a consumer credit card. Qualification criteria The Purchasing 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 Purchasing Card Level II transactions to be qualified for card-not-present businesses and mid-qualified for card-present businesses.

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.

Visa Purchasing Card Level II Data Rate (Commercial Level II)

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