Credit Card Processing Tips and Tricks

Acumatica Level 3 Processing

Posted by Patty Benitez| on Sep 22, 2017 12:05:25 PM|

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Why it's important to use Acumatica level 3 processing when accepting credit card payments

It is incredibly easy these days to set-up a new business to accept electronic payments.  Companies can subscribe to an online entry level accounting package like QuickBooks or Sage 50 and be up and running collecting payments the same day.

Companies just starting out may have low credit card processing transaction levels so it might make more sense for these companies to use the integrated credit card processing solution that comes with the entry level accounting package, i.e. Intuit payments.  

Credit Card ProcessingGrowing companies may need to add employees, warehouses, locations etc. and often seek alternatives to QuickBooks or their entry level accounting system because it can no longer accommodate their accounting requirements.   This is both a blessing and a curse because replacing an accounting system the employees have grown accustomed to is like open heart surgery.  It is extremely important to select the right accounting system for the business.  Growing companies often choose Acumatica Cloud ERP to take their business to new heights.  Growing companies requiring new accounting systems to accommodate their growth often are processing more credit card payments.  Companies accepting more electronic credit card processing payments are wise to explore their merchant services provider options to find an integrated Acumatica level 3 processing solution that helps them save as much as possible in fees.

Merchants who process more credit card transactions are able to reduce overall transaction fees.  If you are using a leading accounting system like Acumatica and accepting credit card payments you probably want to get the lowest transaction fees possible.  Acumatica level 3 processing uses the comprehensive invoice related customer data in Acumatica to get the lowest rate.



American Payment Solutions offers integrated Level 3 processing into Acumatica, as well as several other widely-used ERP Systems. Our Acumatica PCI-compliant security solutions feature point-to-point encryption (P2PE), tokenization, and our APSPAYS Vault, eliminating card data that typically would be stored on a local server. We also walk our merchants through the PCI Compliance Self-Assessment Questionnaire (SAQ), eliminating the Non-PCI Compliance Fee most merchants pay every month. 

Benefits of Level 3 Processing

Merchants who process Level 3 transactions will save money with lower interchange rates than are available for Level 1 or Level 2 purchases. In addition, they receive detailed reporting that allows them to track transactions from beginning to settlement. Reporting can also be tailored with up to 60 different data points. Level 3 transactions typically cost a merchant 0.50-1.50% less than a standard Level 1 transaction, amounting to huge savings for B2B companies. 

Qualifying for Level 3 Credit Card Processing

Level 3 processing requires the capture of specific line item data in credit card transactions. These additional data fields include merchant name and address, invoice number and tax amount, plus line item details such as item description, quantity and unit of measure, freight amount, and commodity and product codes. The extra reporting makes it easier for corporate and government customers to monitor and track internal spending. 

Level 1 vs. Level 3

Level 1 

“Level 1” card data is typically associated with consumer transactions (B2C) and provides limited purchase data back to the cardholder.

Level 3 

“Level 3” (also known as Level III) line item detail is equivalent to the information found on an itemized invoice.

Comparative Example:



Topics: Level 3, PCI Compliance, Level 3 processing