Most businesses don't realize they're overpaying for payment processing. Complex fee structures and missed opportunities in data submission during transactions cost businesses thousands of dollars each year. As a value-added reseller (VAR), you can offer your customers a smarter solution that improves transparency, automates complexity, and delivers measurable savings.
Level 3 processing is designed for B2B payments, and it can reduce credit card processing fees by up to 43%*. This blog explains how it works, and how VARs can use it to deliver better results for their customers.
Understanding Level 3 processing
Level 3 processing is specifically designed for B2B and B2G transactions, allowing businesses to qualify for lower interchange rates by providing detailed transaction data. This data includes item descriptions, quantities, tax amounts, and more, all of which help reduce processing fees. While implementing Level 3 processing can be complex, requiring the capture and submission of extensive data fields, the potential savings make it a valuable solution for your customers.
Nuvei's role in Level 3 processing
Nuvei supports Level 3 processing by accepting and automatically passing additional enhanced data fields for business and corporate cards, especially for online B2B payments. This ensures transactions qualify for lower interchange rates by supplying the detailed information required by card networks.
Nuvei integrates seamlessly with a variety of ERP systems to streamline Level 3 processing. These ERP integrations capture essential line-item data such as business name, invoice number, tax amounts, item description, quantity, freight costs, and more. Automating this data capture allows businesses to benefit from reduced processing fees without burdening internal teams or requiring manual input.
Benefits for ERP VARs
By partnering with Nuvei, ERP VARs can provide customers with advanced payment processing solutions that deliver real, quantifiable savings. You become more than a software provider; you become a trusted strategic advisor helping customers manage payments more effectively and cost-efficiently.
Offering Nuvei's Level 3 processing capabilities positions your business as a forward-thinking, value-driven partner. You'll deepen customer relationships, expand your service offerings, and help your customers unlock meaningful improvements in their bottom line.
Why traditional credit card processing doesn't serve B2B businesses well
Interchange fees, the fees businesses pay when accepting credit cards, are determined by the type and depth of data submitted with the transaction. Most companies process payments using Level 1 or Level 2 data, which only includes basic transaction details.
Level 3 processing includes enhanced transaction data such as itemized descriptions, tax amounts, PO numbers, and quantities. Submitting this data allows the card brands to validate B2B transactions more effectively, qualifying the payment for lower interchange rates.
The outcome: businesses see up to 43% in cost reduction.
For a $100,000 invoice, that can translate into thousands in savings, with no disruption to business operations.
Why ERP VARs are positioned to lead this conversation
Businesses working with value-added resellers often rely on them for ERP strategy, systems integration, and automation. But payment optimization is frequently overlooked, yet it's one of the most effective ways to unlock cost savings.
Nuvei's payment technology integrates seamlessly with leading ERP platforms like QuickBooks and Business Central. It automates the submission of Level 3 data and eliminates the need for manual input. Businesses save money and reduce the risk of human error without changing how they operate.
This gives VARs the opportunity to deliver added value. You can introduce a solution that improves operational efficiency, accelerates revenue, and builds trust with your customers.
A closer look at how automation drives savings
Most businesses aren't aware of the breakdown of fees on their monthly payment statements. They don't know how to interpret line items or whether they're getting the most favorable rates.
Here's where you can help.
With Nuvei, businesses can submit their current payment statement for a free analysis. The results show exactly how much they're currently paying and what they could save by switching to a Level 3-enabled solution.
This isn't about switching payment partners; it's about improving transaction performance. Nuvei's platform is flexible and modular, designed to work with existing infrastructure and scale with evolving needs.
More than just savings: added benefits for B2B payments
Level 3 processing is just one part of the equation. Nuvei's QuickBooks and ERP integrations offer additional capabilities that simplify payments for businesses and create more opportunities for VARs, including:
- Fee recovery tools: Help businesses implement surcharging where permitted and reduce net transaction costs
- Automated reconciliation: Simplify accounting workflows and save time
- On-demand expertise: Access real-time support from professionals with ERP experience, including former VARs
- Tiered incentives for partners: For ERP partners working with vendors like Sage, Nuvei provides tier credit benefits that can contribute to partner growth and certification
Why Nuvei
Nuvei's approach is built around platform flexibility, performance optimization, and entrepreneurial thinking. We don't believe in closed ecosystems or limiting how businesses operate. Our modular technology is designed to fit into the infrastructure businesses already have and enhance it.
We support VARs and ERP consultants with tools and expertise that accelerate customer outcomes, including:
- Secure, automated Level 3 data submission
- Seamless ERP and QuickBooks integrations
- On-demand, human-led expertise
- Transparent reporting and insights
This enables VARs to act as strategic advisors, helping their customers increase savings, automate financial processes, and unlock growth potential.
What's next: a simple step toward savings
Want to see if your customer is overpaying for payment processing? Submit a recent payment statement to Nuvei for a free Level 3 analysis.
We'll show you exactly where the savings are and how easy it is to integrate automated Level 3 processing with their ERP system.
Request your free Level 3 analysis
*Savings estimate based on the difference between typical commercial card rates (~3.0%) and Level 3 qualified rates (~1.7%), a relative reduction of about 43%.
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