Save More with
Level 2 & Level 3 Optimization
Start saving with lower processing fees on business and commercial card transactions. Our platform automatically captures the enhanced transaction data required by card networks, helping you qualify for lower interchange rates without any extra work—or headaches.
Gain control, save more, and strengthen customer relationships
Our approach to Level 2 and Level 3 processing keeps you in control. Not only can you save thousands of dollars annually, our reporting tools provide complete transparency so you can track these savings and strengthen your business relationships over time.
- Lower Interchange Fees
- Transparent Terms
- Smarter Automation
- High-Value Contracts
Turn every qualifying transaction into measurable savings
The savings are real – up to 1% per transaction on qualifying business and government cards. And since it’s all automated, you never miss out on savings due to errors or incomplete information.
Know exactly which transactions qualify for lower rates
With Aurora, you’ll always know where you stand with your processing fees. You get real-time visibility into which transactions qualify for better rates, so you can track your savings in real time.
Accuracy that turns data into real savings
Aurora automates the collection and submission of Level 2 and Level 3 data, reducing human error and ensuring more transactions qualify for lower interchange rates. This means you save time while capturing more of the savings your business earns.
Boost profits on large transactions
By maximizing cost savings through Level 2 and 3 processing with Aurora, you can turn high-dollar business and government transactions into high-value opportunities.
Customer support that helps you maximize your savings
Don’t worry, you don’t need to be an expert to take advantage of Level 2 and Level 3 processing. Our team understands the nuances that come with business card processing and enhanced data requirements. We’re here for whatever you need along the way.
Proven results across industries that process business payments
From luxury transportation to ISVs and SaaS businesses all B2B and B2G industries can capitalize on savings from Level 2 and Level 3 processing with Aurora. Our flexible platform automatically adapts to your industry’s specific data requirements.
- Luxury Transportation
- Automotive
- Retail Businesses
- ISVs and SaaS
- Healthcare
Luxury Transportation
From corporate travel to government contracts, luxury transportation companies process substantial business card volume. Aurora captures the enhanced data so you can capture savings, every time your car hits the road.
Automotive
If your shop services business fleets or handles commercial repairs, Level 2 & 3 processing can cut interchange fees on every invoice—boosting margins without extra admin work.
Retail Businesses
Business retailers can benefit from Level 2 & 3 processing when selling to businesses or government buyers using commercial cards. By capturing enhanced data, you can reduce interchange fees on large orders, improve reporting, and keep more of your revenue.
ISVs and SaaS
For SaaS and ISV platforms serving B2B merchants, built-in Level 2 & 3 processing unlocks lower transaction costs, deeper reporting, and a stronger competitive edge.
Healthcare
Medical clinics, dental offices, and other healthcare providers often handle large or recurring payments tied to insurance, corporate accounts, or patient financing. With Aurora’s Level 2 & 3 automation, you can lower interchange fees on qualifying transactions while streamlining reconciliation and improving cash flow.
Trusted by Every Store Main Street.
“Aurora listens, adapts, and builds solutions tailored to our needs, pulling everything together as an all‑in‑one platform. Their personalized attention and flexibility mean we never have to chase different rails or vendors. This approach delivers seamless, efficient payment operations—and we love it.”
-Don Bregin, Managing Partner
TRU Payments
FAQs
Q: What is Level 2 and Level 3 Processing?
These are enhanced processing levels requiring a business to submit additional transaction data to card networks. Level 1 (standard processing) only sends basic information like amount and card number. Level 2 adds customer details, tax amounts and merchant information for business cards. Level 3 includes detailed line-item data like product descriptions, quantities and unit prices. Each level qualifies for progressively lower interchange rates.
Q: How much can my business save?
Savings depend on your business card transaction volume and average ticket size. Most businesses can see reductions up to .5 – 1% per qualifying transaction.
Q: Do I need to change anything about how I accept payments?
No. Aurora’s enhanced processing capabilities are already built into our platform. We automatically identify qualifying business and government card purchases and submit the appropriate enhanced data. Your checkout process stays exactly the same.
Q: Which types of cards qualify for these better rates?
Business credit cards, corporate cards, government purchasing cards and fleet cards typically qualify for enhanced processing rates. Personal consumer cards process at standard Level 1 rates regardless of data submitted. Aurora automatically detects card types and applies the appropriate processing level.
Q: What if I don’t have all of the required data fields?
Aurora works with the transaction information you already collect. For businesses that need additional data fields to maximize savings, our platform can prompt for specific information during checkout without disrupting the customer experience. We’ll help you identify which fields provide the most value for your business type.
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Start reducing your processing costs today
Implement Aurora’s enhanced processing capabilities today, and start seeing lower interchange rates on qualifying transactions immediately.