Level 2 / Level 3 Data

Overview

What is Level 2 / Level 3 Data?

Level 1/Level 2/Level 3 (L1/L2/L3) represents the levels of data provided on a payment card transaction - the higher the number, the more information is provided about the transaction.

All transactions include L1 data, whereas L2/L3 data is typically provided on card products that the networks tailor towards a specific type of industry and data, such as Fleet, Travel, and HSA/FSA products.

What are the benefits of Level 2 / Level 3 data?

As L2/L3 data provides much more detailed information about a card transaction, it can unlock a number of opportunities for FinTechs, including:

• Gaining a deeper understanding of cardholders’ spending behavior

• Building better controls around cardholders’ spending

• Building better reward programs

• Building programs targeted at specific industries, such as the Fleet or the Travel industry

Overall, the enhanced insights that come with L2/L3 data helps improve card program management, which, in turn helps reduce cost and increase revenue.

What types of Level 2 / Level 3 data and programs does Synctera currently support?

Synctera currently supports:

• Fleet cards and fleet-related L2/L3 data:

  • Fuel purchase: Type of Purchase, Fuel Type, Quantity, Unit of Measure, Unit Cost, Gross/Net Fuel Price, etc.

  • Non-Fuel: Specific product categories and product codes, quantity, unit of measure, line-item information, discounts, taxes, etc.

• Inventory data:

  • Quantity, VAT tax rate and amount, item details (VAT, discount, description, product code, unit price, etc.)

• Financial data:

  • Tax amount, tax ID, etc.

FinTechs that are interested in other types of L2/L3 data can contact their Synctera representative for implementation details. This includes data such as:

• Auto rental data

• Courier data

• Lodging data

• Travel-related data

How is Level 2 / Level 3 data shown on a transaction?

• When available, L2/L3 data is received from the processor as part of card transaction clearing events/webhooks, i.e. as a transaction transitions from authorized/pending to cleared/posted

• Note that sometimes two clearing events may be received for a transaction with L2/L3 data, and there may be a few hours between those - i.e. a posted transaction without L2/L3 data may later get updated with L2/L3 data

• L2/L3 data is shown in both the Synctera Console, and in the Synctera Transaction API

Synctera Console - example

• When available, L2/L3 data is shown on a separate L2/L3 tab on the posted card transaction

• To get to the posted transaction view, either navigate to the Account and from there the Transactions tab or go to Transactions > Posted Transactions

Synctera Transaction API - example

• When available, L2/L3 data is shown under user_data.l2l3 on the posted card transaction - see Get Posted Transaction endpoint

• For more information on L2/L3 data on card transactions, see the API Developer Guide

How to subscribe to Level 2 / Level 3 data?

FinTechs that are interested in L2/L3 data can contact their Synctera representative for implementation and subscription details, including pricing.