Level 3 data that actually qualifies under Visa's new rules

Visa's Commercial Enhanced Data Program replaced Level 3 with Product 3 in October 2025 and retired most Level 2 rates on April 17, 2026. Roots helps B2B sellers pass invoice-quality line-item data so commercial-card transactions qualify for lower interchange.
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Level 2/3 Processing

Visa's Commercial Enhanced Data Program replaced Level 3 with Product 3 in October 2025 and retired most Level 2 rates on April 17, 2026. Roots helps B2B sellers pass invoice-quality line-item data so commercial-card transactions qualify for lower interchange.
  • Data audit against Visa's enhanced-data specs
  • ERP/invoice integration
  • Qualification monitoring and fixes

B2B Payments

Roots brings together invoicing, ACH, commercial-card acceptance with Level 3 data, and compliant surcharging so wholesalers, distributors and service firms get paid faster at lower cost.
  • Payment-mix and cost analysis
  • Level 3 and ERP integration
  • Surcharge program setup
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Custom Payment Integration

Roots designs and builds payment integrations that connect our gateway, payouts and processing to your ERP, CRM, dispatch or custom apps, with webhooks, reporting and reconciliation.
  • Discovery and scoping
  • Build, test and deploy
  • Maintenance
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Level 2/3 Processing for your industry

Level 2/3 Processing questions

Business card payments can include additional invoice and line-item information. Roots reviews your transaction data and processing setup to plan the required fields.
No. We review the actual card mix and processing results with your processing partner, then compare the effect on your statement.
Bring your business-card mix, invoice fields and transaction line-item data. Roots uses these details to plan your workflow and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

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Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
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