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Missing Level 3 data added 180bps to a B2B card transaction

Reconciling a corporate card processing report for a B2B marketplace and noticed the effective rate on a chunk of transactions was way above what the acquirer contract promised.

  • Missing Level 3 data caused 180 basis points increase in effective rate
  • Transactions with full Level 3 data settled at 1.8%, others at 3.6%
  • Issue resolved by requiring tax amount, PO number, and line-item detail

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