Level 2 and Level 3 Transaction Data

Netvalve supports merchants to provide Level 2 and Level 3 transaction data to be submitted to schemes for better interchange rates, tracking of the data, scheme compliance, and reducing chargebacks.

Additional transactional data helps card issuers validate whether a transaction is legitimate, which in turn can lead to reduced fees. Key information such as ZIP code and Level 2 or Level 3 data can have a meaningful impact on reducing costs.

Level	What it Includes	Typical Use
Level 1	Basic payment data	Standard retail and eCommerce
Level 2	Tax and invoice/business data	B2B
Level 3	Full line-item/product data	Government, enterprise procurement

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How to use

To use this feature, the merchant needs to request the Netvalve support team to enable the feature and add the data to payment flows.

The additional data below must be provided with the Payment API (Auth / Sale) or, in the case of HPP, with the Order Creation request.

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Level 2 fields

Field	Description
taxAmount	Total tax on the transaction
purchaseOrderNumber	Used by corporate customers for tracking
customerReference	Internal customer code or contract ID
merchantTaxId	Business tax/ABN number (optional)
taxExempt	true or false

Sample payload

level2Data

{
  "taxAmount": 22.00,
  "purchaseOrderNumber": "1223455",
  "customerReference": "ABC1234",
  "merchantTaxId": "ABN-1234",
  "taxExempt": false
}

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Level 3 fields

Field Name	Description	Example
taxAmount	Total tax across all items	45.00
taxExempt	true or false
freightAmount	Shipping or freight charges	15.00
dutyAmount	Any applicable duty/tariff charges	5.00
customerReference	Buyer ID or internal customer number	CUST123
purchaseOrderNumber	PO number provided by the buyer	PO456789
invoiceNumber	Invoice number (optional)	INV2025-001
shipFromPostalCode	Origin ZIP/postal code	94105
destinationPostalCode	Destination ZIP/postal code	3000
shipToCountry	ISO 2-letter country code	AU
merchantTaxId	Merchant's tax ID (ABN, GSTIN, etc.)	ABN123456789

Additional tax details

The additionalTaxDetails object supports the following sub-fields:

Field	Description
taxType	The type of tax — for example, VAT, NATIONAL, Service Tax
taxAmount	Tax amount for this entry
taxRate	Default sale tax rate as a percentage. Used when taxCategory is not provided. Must be between 0.1% and 22%. Applicable to Level 2 only.
taxCategory	One of: SERVICE, DUTY, VAT, ALTERNATE, NATIONAL, TAX_EXEMPT. Formerly established through TaxCategory messages.

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Line-item level fields

Each item in the cart must be individually described using the following fields:

Field Name	Description	Example
productCode	Internal SKU or product ID	SKU12345
productName	Item description	Wireless Mouse
productSKU	Stock keeping unit (optional)	MOU-001
quantity	Item quantity	2
unitPrice	Price per item, excluding tax	50.00
totalAmount	Line item total (unitPrice x quantity)	100.00
taxAmount	Tax amount applied to this item	10.00
taxType	The type of tax — for example, VAT, NATIONAL, Service Tax
unitOfMeasure	Unit type (EA, LB, KG, etc.)	EA
discountAmount	Any discount applied to this item	0.00
alternateTaxIdentifier	Alternate tax ID for the line item	ALT-TAX-001
taxRate	Tax rate applied to this item	0.1
discountRate	Discount rate applied to this item	0.05
discountApplied	Whether a discount has been applied	true
commodityCode	United Nations Standard Products and Services Code (UNSPSC)	43211708
description	Free-text product description	Bluetooth keyboard

Sample payload

level3Data

{
  "customerReference": "Cust123",
  "purchaseOrderNumber": "PO456789",
  "taxAmount": 10.00,
  "taxExempt": false,
  "additionalTaxDetails": {
    "taxType": "ADD TAX 2",
    "taxAmount": 0.05,
    "taxRate": 0.08
  },
  "freightAmount": 5.00,
  "dutyAmount": 0.00,
  "shipFromPostalCode": "94105",
  "destinationPostalCode": "3000",
  "lineItems": [
    {
      "productCode": "ABC123",
      "productName": "Wireless Mouse",
      "productSKU": "MOU123",
      "quantity": 2,
      "unitPrice": 30.00,
      "totalAmount": 60.00,
      "taxAmount": 5.00,
      "unitOfMeasure": "EA",
      "discountAmount": 0.00,
      "commodityCode": "43211708"
    },
    {
      "productCode": "DEF456",
      "productName": "Keyboard",
      "productSKU": "KEY456",
      "quantity": 1,
      "unitPrice": 50.00,
      "totalAmount": 50.00,
      "taxAmount": 5.00,
      "unitOfMeasure": "EA",
      "discountAmount": 0.00,
      "commodityCode": "43211706"
    }
  ]
}