Secure Payment Processing Solutions

3Delta Systems (3DSI) designed and built a fully hosted Internet Protocol (IP) based payment processing system based on addressing several fundamental requirements; that it support information-rich electronic payment processing, that it offer users a choice of adaptable interfaces and that it be secure.

3DSI specializes in business-to-business (B2B) Level-3 processing and has saved clients significant dollar amounts by reducing card fees through better interchange qualification.

B2B payment card processing is very different from consumer cards and the savings opportunities are substantial. The key to qualifying for the best rates for B2B and business-to-government (B2G) card payments requires including "Level-3" information. Level-3 data provides descriptive line item detail about the products sold such as Product Part Number, Product Description, Quantity, Unit of Measure, Price and more.

3 Delta diagram

3DSI offers card payment solutions that are secure, scalable and easy to implement. Our payment gateway offers multiple ways to process and manage Purchase cards (P-cards) and credit cards. While 3DSI is the established leader in processing Level-3 data, our flexible payment gateway also processes Level-2 and Level-1 transaction data.

What is Level-3 Processing?

P-Card Knowledge – Level 3 Purchase Card Data

"Level-1" card data is typically associated with consumer transactions and provides limited purchase data back to the cardholder.

"Level-2" data adds more information to benefit the corporate/government/industrial buyer, but the number of fields is limited because of the restricted data capture capabilities provided by most hardware-based POS terminals.

"Level-3" (also known as Level III) line item detail, which is equivalent to the information found on an itemized invoice, requires greater system capability and is provided through 3Delta Systems' payment applications. Including this level of detail can help transactions qualify for lower rates.

Comparative Example*

Data Type Level-1 Level-2 Level-3
Merchant DBA Name      
Transaction Amount (Total)      
Date      
Tax Amount    
Customer Code (25 Char)    
Merchant Postal Code    
Tax Identification    
Merchant Minority Code    
Merchant State Code    
Ship from Postal Code  
Destination Postal Code  
Invoice Number  
Order Number  
Product Code  
Product Commodity Code  
Product Description  
Product Quantity  
Product Unit of Measure  
Product Extended Amount  
Freight Amount  
Duty Amount  

(*)This table is provided only for illustrative purposes and should not be construed as a listing of all the possible fields associated with each data level or that every processor will support all the possible data elements.

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