Development

Level 3 Processing

Need to send Level 3 card data?

Blackthorn Payments supports “level 3 processing” via Stripe

In short, level 3 gets you the best processing rate available by providing the gateway and processor full transaction details, such as you would see on an order. These include line-item level details, such as the quantity, product, and pricing details of each item that’s part of the transaction.

Requirements from Stripe documentation

  • Only Visa and Mastercard are supported.
  • You must provide the customer billing details—name, address, city, state, ZIP code—associated with the card. Assuming this means that the Payment Method used for the Transaction has all of these fields populated.
  • Only e-commerce is supported, not physical retail.
  • Total Amount Check – The sum of all the line items in the Level 3 data, including any discounts, taxes, and shipping costs, must exactly match the total amount collected. Attempting to collect more or less than the sum of all the line items will result in an error and a declined payment.

Salesforce Requirements

Any customer that wants to send Level 3 data to Stripe must:

  • Get Level 3 Charge Data-enabled with Stripe
  • Check the Level 3 checkbox on their Stripe Payment Gateway record(s)
  • Generate a Sales Document with Line Items and associate the Sales Document to a Transaction before it’s captured.
  • Stripe also notes that “Level 3 data cannot be modified after a charge is captured.”

Want to learn more?

Check out Stripe’s Documentation:
https://stripe.com/docs
https://stripe.com/docs/api/payment_intents/create#create_payment_intent-level3
https://stripe.com/docs/api/charges/object#charge_object-level3

Or reach out to us here to request our internal documentation.

 

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