Upload your merchant processing statement. Our AI analyzes your interchange categories and shows you the exact dollar amount lost to Level 3 downgrade fees - in under 60 seconds.
No sales calls. No lengthy consultations. Upload once, get the full picture immediately.
Visa and Mastercard charge dramatically lower interchange rates when merchants submit enhanced line-item data with B2B card transactions. Most processors never configure this - they pocket the difference as margin.
When you process corporate or purchasing cards without Level 3 data, Visa and Mastercard automatically downgrade to Standard rates - 0.7% to 1.2% higher than you should pay.
Processors rarely proactively configure Level 3 for clients. The gap between Standard and Level 3 rates is 100% processor margin. On $15M annual B2B volume, that's $127,500/year.
Level 3 is a data configuration, not a new processor. Your current gateway supports it. You need gateway field mappings, ERP integration scripts, and the right MCC codes - which is exactly what our Blueprint provides.
| Card Type | Card Brand | Standard Rate | Level 2 Rate | Level 3 Rate | Max Savings |
|---|---|---|---|---|---|
| Commercial | Visa | 2.65% + $0.10 | 2.10% + $0.10 | 1.80% + $0.10 | 0.85% |
| Purchasing | Visa | 2.70% + $0.10 | 2.10% + $0.10 | 1.80% + $0.10 | 0.90% |
| Corporate | Mastercard | 2.65% + $0.10 | 2.05% + $0.10 | 1.80% + $0.10 | 0.85% |
| Business | Mastercard | 2.70% + $0.10 | 2.10% + $0.10 | 1.85% + $0.10 | 0.85% |
| Fleet | Visa | 2.75% + $0.10 | 2.15% + $0.10 | 1.90% + $0.10 | 0.85% |
Rates are indicative published interchange for 2024. Actual rates depend on MCC, card program, and acquirer. Your report will show your exact categories.
Every report is unique to your statement data. This is what a $15M annual processor sees.
| Interchange Category | Brand | Volume | Current Rate | Level 3 Rate | Monthly Loss |
|---|---|---|---|---|---|
| Commercial Standard | Visa | $487,500 | 2.65% | 1.80% | -$4,144 |
| Corporate Standard | MC | $312,500 | 2.65% | 1.80% | -$2,656 |
| Purchasing Standard | Visa | $225,000 | 2.70% | 1.80% | -$2,025 |
| Business Standard | MC | $93,750 | 2.70% | 1.85% | -$797 |
| Total B2B Volume | $1,118,750 | -$9,622/mo | |||
Upload your merchant statement - free, no credit card required
"We had no idea. Our processor never mentioned Level 3 once in 6 years. The report showed us exactly what to request from them. Blueprint paid for itself in week one."
"Sent the report to our processor's account manager and they had Level 3 configured within two weeks. No migration, no new contracts. The Blueprint had everything they needed."
"We process $28M annually and had never heard of this. The audit showed we were losing $211K/year. Our CFO called it the best $2,500 he'd ever spent - by a factor of 100."
The Leakage Report is free. The Optimization Blueprint costs $2,500 and typically recovers that investment within the first week of deployment.
Upgrade to Blueprint after seeing your free report
Upload a single monthly statement. Get the exact dollar figure in 60 seconds. It's free.
Upload Your StatementPDF only - processed in seconds - no account required