topic Re: Level 2 Data - Not Getting Level 2 Pricing from Bank in Integration and Testing

Level 2 Data - Not Getting Level 2 Pricing from Bank

DuaneTDAC1134 — Fri, 20 Oct 2017 18:18:46 GMT

Having an issue with our bank not giving us Level 2 Data pricing, blaming Authorize.Net for not passing the data.

I'm passing the below fields:
• Tax
• Tax Exempt Status
• Duty
• Freight
• PO Number

If it's an out of state transaction, $0.00 tax and Tax Exempt is set to true. Duty and Freight are always set to $0.00 and PO Number is set to "VERBAL"

This is a custom C# .NET application running with our CRM software.

Has anyone had an issue with this? Am I missing something? A hidden setting in the account setup?

Thanks for any help,

Duane

Re: Level 2 Data - Not Getting Level 2 Pricing from Bank

3Dmerchant — Mon, 23 Oct 2017 15:39:31 GMT

Even if the level 2 data is getting there, merchant might not qualify for level 2 rates. Are you 100% certain that failure to deliver the data is the reason? In the merchant reports, they should be able to look up reason codes for non-qualified.

Here are two common reasons it might not qualify:

authorization expired
authorization and settlement mismatch

Re: Level 2 Data - Not Getting Level 2 Pricing from Bank

DuaneTDAC1134 — Wed, 25 Oct 2017 16:26:20 GMT

Thank you for your suggestions. Having the bank looking now.

They did send over some reports, but nothing that shows the codes. One trend we noticed, while some VISA cards did qualify, some did not, NONE of the Mastercards did.

Re: Level 2 Data - Not Getting Level 2 Pricing from Bank

3Dmerchant — Wed, 25 Oct 2017 19:17:45 GMT

What we can tell from that information is you're passing the data correctly, and it's OK for Visa.

That means there is another reason some don't qualify. There are limitations to any authorize.net API. For example, if the initial auth was for $1000, but seller only shipped partial and settled $800. The transaction will not qualify for level 2 rate.

The merchant should verify the MasterCard level 2 flag is turned on for the TID with the acquirer. If it is, the issue is other rules are not being met, since you are clearly sending the data.

PS - regarding codes- it depends on report; some show it, some might not have the capability to drill down to that level. Example below. Note, this is showing as a downgrade because DATA RATE III would be better.

DOWNGRADE QUALIFICATION REASON

MC COMMERCIAL DATA RATE II (US) BUSINE HH2