Save an average of $23 per B2B card transaction with automated Level 2/3 data capture.
PaymentHub automatically extracts tax amounts, customer codes, and line-item detail from ERP invoices and submits them with every B2B card transaction — qualifying for the lowest interchange rates without manual data entry.
The Problem This Solves
Before PaymentHub
Most B2B card transactions process at the highest interchange rate because Level 2/3 data isn't captured. The savings opportunity is invisible — buried in processor statements that nobody analyzes. Even organizations aware of Level 2/3 data requirements struggle to capture the information consistently because it requires manual data entry at the point of payment. The result: interchange waste that accumulates across every B2B card transaction, month after month.
With PaymentHub
Level 2/3 data is captured automatically from ERP invoice records on every B2B card transaction — no manual data entry required. Transactions qualify for the lowest available interchange rate category. Fee analytics dashboards show qualification rates, savings over time, and remaining optimization opportunities. Average savings of $23 per transaction compound across every B2B card payment your organization processes.
How It Works
Automated Data Extraction from ERP Invoices
Level 2 data (tax amounts, purchase order numbers, customer codes) and Level 3 data (line-item detail including item descriptions, quantities, unit prices, and commodity codes) are extracted automatically from ERP invoice records at the time of payment. The extraction mapping is configured during initial setup — PaymentHub's AI copilot analyzes your ERP invoice structure and generates the extraction rules. Once configured, every card payment submitted through the portal, virtual terminal, or API includes the required Level 2/3 data without any additional action by the customer or staff member processing the payment.
Interchange Qualification Engine
The qualification engine evaluates each transaction against card brand requirements (Visa, Mastercard, Amex) to determine the optimal interchange category. Different card brands have different data requirements for Level 2 versus Level 3 qualification. The engine ensures the correct data fields are populated for the specific card type being processed, maximizing the interchange reduction for each transaction. Transactions that cannot qualify for Level 3 (due to missing line-item data) are automatically submitted with Level 2 data to capture partial savings rather than defaulting to standard rates.
Fee Analytics and Savings Dashboard
A dedicated fee analytics dashboard shows interchange qualification rates, savings per transaction, total savings over time, and remaining optimization opportunities. The dashboard compares actual interchange rates paid against the standard rate that would have applied without Level 2/3 data, giving finance teams concrete visibility into the ROI of the optimization. Monthly and quarterly reports break down savings by entity, customer segment, card type, and transaction size. The dashboard also identifies transactions that failed to qualify and the specific data fields that were missing — enabling targeted improvements to the extraction configuration.
Processor Statement Analysis
PaymentHub's AI copilot analyzes historical processor statements to identify the full scope of interchange optimization opportunity before implementation. By examining your existing transaction volume, card mix, and current interchange rates, the analysis projects expected savings and identifies which transaction segments offer the greatest ROI. This pre-implementation analysis is typically delivered during the Payments Blueprint engagement, giving finance teams a concrete business case for Level 2/3 optimization with projected annual savings.
Architecture & Integration Notes
Level 2/3 data extraction operates as a pre-processing step in the payment submission pipeline. Before a card payment is submitted to the gateway, the Level 2/3 engine queries the ERP for the associated invoice data, maps the fields to the card brand's required format, and attaches the enriched data to the transaction. This step is transparent to the payment workflow — it adds no friction or delay to the payment experience. The extraction mapping is configured through upgrade-safe hooks, allowing entity-specific or customer-specific mapping rules that survive platform updates. Gateway routing rules can factor in Level 2/3 support when selecting the optimal processor for each transaction.
AI Copilot for Level 2/3 Data Optimization
The AI copilot analyzes your ERP invoice structure during initial setup and generates the Level 2/3 data extraction mapping automatically. It identifies which fields in your ERP correspond to the required card brand data elements and flags any gaps that need resolution. In production, the copilot monitors qualification rates, identifies transactions that fail to qualify, and recommends configuration adjustments. It also analyzes payment routing patterns to suggest gateway changes that improve Level 2/3 support and projects the savings impact of routing optimizations.
AI Copilot — Available on Growth & Enterprise Plans
AI Copilot reduces implementation time for level 2/3 data optimization by automatically generating field mappings, test datasets, and validation scripts based on your ERP schema — so your team can ship faster without writing repetitive configuration code.
Ready to see Level 2/3 Data Optimization in action?
Book a Payments Blueprint call and get a live walkthrough tailored to your ERP and payment requirements.
Before & After PaymentHub
| Area | Before | After PaymentHub |
|---|---|---|
| Area 1 | Standard B2B rate (2.5-3.0%) on all card transactions | Level 2/3 qualified rates (1.8-2.2%) with automated data capture |
| Area 2 | $0 — no Level 2/3 data captured | $23 average savings per B2B card transaction |
| Area 3 | Manual entry of tax, PO, and line-item data at point of payment | Automatic extraction from ERP invoices — zero manual entry |
| Area 4 | No optimization — full interchange on every transaction | $138,000+ annual savings from interchange rate reduction |
Related Features
Gateway Routing Engine
PaymentHub's gateway orchestration routes payments to any processor based on configurable business rules, supports automatic failover, and lets you add or swap gateways without disrupting ERP posting workflows.
Automated Reconciliation
Match payments to invoices at the line-item level using AI-powered matching, apply entity-specific posting rules, and route exceptions to a prioritized queue — from 40+ hours of manual reconciliation to under 4 hours monthly.
Surcharge Engine
PaymentHub's surcharge engine manages compliant surcharging and convenience fees with entity-specific rules, state-level compliance, card brand adherence, and designated GL posting — recovering processing costs without legal or customer relationship risk.
Frequently Asked Questions — Level 2/3 Data Optimization
Get your tailored implementation plan.
Our Payments Blueprint call delivers a written implementation roadmap specific to your ERP, your team, and your timeline.