Table of Contents

• Overview
• Level 1, Level 2 & Level 3 Transaction Data
• Business Benefits of Using L2/L3 Data with Adyen
• Eligibility and Requirements
• How to Enable L2/L3 Support in Ordway
• Additional Reference

Overview

Ordway now supports sending enhanced transactional data Level 2 (L2) and Level 3 (L3) card data to Adyen during credit card processing. This feature enriches the information shared with the payment gateway, helping improve authorization accuracy, reduce interchange fees for eligible merchants, and strengthen payment reporting and reconciliation.

This article explains what L2/L3 data includes, business benefits, prerequisites, and how Ordway transmits this enhanced information to Adyen.

Level 1, Level 2 & Level 3 Transaction Data

Credit card networks classify transactions into three levels of data, depending on the volume and detail of information transmitted during authorization.

Level 1 (Standard Data)

Level 1 includes the basic payment information required to process a credit card transaction:

• Credit card number

• Expiry date

• CVV

• Transaction amount

• Merchant Details

This is the default data used in most consumer transactions.

Level 2 (Enhanced Data)

Level 2 data add additional commercial and tax-related information. It is primarily used for business, government, and corporate cards.

Examples of L2 fields:

• Customer reference or purchase order number

• Invoice number

• Sales tax amount

• Merchant tax identification

• Destination postal code

• Order date

These fields help card networks and issuing banks assess the transaction more accurately and may qualify merchants for reduced interchange rates.

Level 3 (Line-Item Level Data)

Level 3 is the highest level of transaction detail and includes full line-item breakdowns. It is typically used for B2B or B2G transactions requiring detailed invoice-level documentation.

Examples of L3 fields:

• Line-item descriptions

• Product or SKU codes

• Unit price

• Quantity

• Discounts

• Extended line totals

Business Benefits Using L2/L3 Data with Adyen

• Lower Interchange Fees (for eligible merchants): Networks like Visa and Mastercard offer reduced interchange rates when detailed transaction data is submitted.
• Higher Payment Authorization Success: Issuers rely on detailed data to approve or decline a transaction. Enhanced information improves clarity and reduces false declines.
• Better Financial Controls: The detailed breakdown helps finance teams:

  • Reconcile payments accurately

  • Audit transactions more easily

  • Match payment data with invoice and charge-level data in Ordway

• Improved Fraud Monitoring: More informative transactions help banks detect unusual behavior more accurately.

Eligibility and Requirements

Before enabling L2/L3 support, merchants must confirm eligibility with Adyen. Ordway can only enable this feature after Adyen approval.

Eligibility Requirements

If eligibility is not confirmed, Adyen will not process the L2/L3 fields submitted.

How to Enable L2/L3 Support in Ordway

1. Contact Adyen
   • Merchants must contact their Adyen account manager and request Enhanced Scheme Data (L2/L3) enablement.
2. Receive Confirmation
   • Adyen will confirm whether your merchant account meets all requirements.
3. Open a Support Ticket with Ordway
   • Once approved, contact Ordway Support and provide:

     • Adyen merchant account ID

     • Confirmation email/message from Adyen

     • Ordway will then enable L2/L3 processing in your gateway configuration.

4. Start Processing Enhanced Transactions
   • Once enabled, Ordway automatically includes L2/L3 fields on all supported transactions. No additional setup is required on the Ordway UI.

Additional Reference

For more details on Enhanced Scheme Data guidelines, refer to Adyen’s official documentation:
https://docs.adyen.com/payment-methods/cards/enhanced-scheme-data/l2-l3