Level 3 processing optimizes the interchange rate paid by the merchant when accepting procurement or purchasing cards (P-cards), sometimes called commercial cards.  Increasingly used by all size companies and by local, state and federal government agencies these are unique cards - 

• Centrally billed to the corporation.
• Have user configureable financial controls.
• Gives cardholders authority to place orders directly with suppliers.
• Cash disbursement to suppliers made through the banking system.
• Software provided by card issuing bank to merchant to manage purchase, accounting and supplier information.

Level 3 processing transactions require line item detail such as item descriptions, quantity, price, freight and other pertinent information valuable to the procurement management process of the buyer.  That would be your customer. 

The depth of transactional detail reduces fraud and chargebacks which is why Visa and MasterCard provide lower interchange rates for Level 3.  A powerful tool in financial and operational efficiency, reducing labor and costs. 

XBS Global brings a robust B2B and B2G Level 3 processing platform to our merchants through 3 Delta Systems.  It includes -  

• Virtual gateway/SAAS solutions -(standard credit card terminals are not capable of supporting level 3 processing).  XBS solutions are PCI compliant with multilayered security.
• Interchange cost plus merchant account. Optimal pricing method allows B2B merchants to capitalize on VISA and MasterCards incentive interchange rates.

XBS Level 3 processing ensures a strong ROI for our B2B and B2G merchants.  Consider -

• Increased revenues - with access to additional sales channels including government and corporate contracts
• Lower processing rates and collection costs.
• Increased overall efficiency - reducing labor costs.
• Quick payments - 1-2 days compared to 30, 60 or even 90.

Whatever the size of your business, there is an XBS 3 Delta Systems solution that will reduce processing costs through optimized interchange rates when accepting commercial and/or purchasing cards. 

Call XBS today @ 800-347-1090 or Contact us for a complete, no cost and no obligation analysis of your company's prospective payment processing cost savings with our 3 Delta Systems (3DSI) solutions.