Level II data is additional information sent with a card transaction. It gives business, commercial, corporate, purchasing, and government cards more detail about the purchase, and qualifying transactions receive lower interchange rates.

Qualification Requirements

To qualify for Level II interchange rates, a transaction must meet these requirements:

• The merchant processes under a Merchant Category Code that allows Level II rates.
• The card is a supported card type, such as a business or corporate card.
• The request includes an invoice.
• The request includes tax information: a non-zero tax, or taxExempt: true for a tax-exempt order.

Preczn can't guarantee qualification. The processor and the card networks make the final decision, and some processors also check merchant details that they hold, such as postal code, tax ID, and state.

Tax Amount and Tax Exemption

Send tax as an integer in the currency's smallest unit, for example 1031 for $10.31.

For a tax-exempt order, set taxExempt to true and send tax as 0 or omit it. Preczn applies these rules:

• If taxExempt is true and tax is not 0, Preczn rejects the request with a 400 and the message tax must be 0 or omitted when taxExempt is true.
• If tax is 0 and you omit taxExempt, Preczn accepts the transaction but doesn't treat it as exempt.
• taxExempt applies to one transaction. It isn't a merchant or connection setting, so send it on every exempt transaction.

Processor support for taxExempt varies. See the connection guide for the connection you use.

Example

{
  "merchantId": "mid_2zyd88xrnr90xskmjmqpd0x1vj",
  "type": "sale",
  "amount": 12500,
  "currency": "USD",
  "tax": 1031,
  "order": "ORD-2026-00418",
  "invoice": "INV-88232"
}

To send a tax-exempt order, replace "tax": 1031 with "tax": 0, "taxExempt": true.

Supported Connections

The following connections support Level II data. Each connection guide lists the fields Preczn sends and any length limits.

• Adyen
• Authorize.net
• CardPointe
• MerchantE
• Payrix

To request Level II support for another connection, contact your Preczn sales team.