Business and government card transactions qualify for lower interchange rates, but most businesses never claim them. Flute captures savings automatically on every qualifying transaction without changing how you take payments.
Qualifying transactions can see interchange reductions of up to 1%.
Flute identifies qualifying transactions and automatically submits the required data.
Our dashboard shows which transactions qualify for better rates and how much you saved.
Enhanced data capture happens in the background, without changing the customer experience.
“Flute has been a wonderful partner, helping our members (and us) save thousands in processing each year.”
Businesses that invoice other businesses using corporate or purchasing cards can use level 2 and 3 processing to improve margins on every B2B sale.
By submitting the right data, government purchasing cards and fleet cards also qualify for level 3 payments rates.
High-value invoices to corporate accounts can massively reduce interchange fees. A 0.5% to 1% reduction on a $10,000 transaction is meaningful.
Software platforms serving B2B merchants can use level 3 credit card processing to give users automatic savings on commercial card transactions.
Flute’s platform automatically collects and submits level 2 and level 3 data on your behalf, with no extra work from your team or added time for customers.
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Every qualifying transaction is tracked and reported on your dashboard, giving you complete visibility into the direct impact on your monthly processing costs.
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Simple, transparent pricing
Flute’s level 3 processing rates pass the interchange savings directly to your business. The more qualifying B2B and government transactions you process, the more you save.
Standard Level 1 processing submits basic transaction data, like the card number and amount, to card networks and issuers. Level 2 payment processing adds customer reference numbers, tax amounts, and merchant information. Level 3 credit card processing goes further by submitting line-item details, including product descriptions, quantities, and unit prices.
Card networks reward merchants who submit more detailed transaction data because it reduces their risk and improves reporting for corporate card programs. By qualifying for level 3 payment processing, businesses can see interchange reductions of up to 1% per qualifying transaction. Flute automates data submission, so you can save more on every eligible transaction with no manual work.
Businesses that regularly accept corporate cards, government purchasing cards, and fleet cards benefit most. This includes B2B companies, luxury transportation providers, health care organizations, automotive shops that service commercial fleets, and SaaS platforms serving business customers. The higher your volume of qualifying transactions, the more meaningful the savings.
Visa CEDP (Commercial Enhanced Data Program) is Visa’s program for capturing and submitting enhanced Level 2 and Level 3 data on commercial card transactions. Participating in CEDP allows merchants to qualify for lower interchange rates on eligible business and government card purchases. Flute’s platform automatically supports Visa CEDP requirements.
You don’t need to do anything differently. Flute automatically identifies transactions that qualify for level 2 and 3 processing and submits the required enhanced data to the card networks. If your business processes transactions that need additional data fields to maximize savings, Flute can prompt for that information at checkout without disrupting the customer experience.
Level 3 interchange rates are among the lowest available for B2B and government transactions. Flute automatically qualifies and captures data, so you can save on every transaction without doing more work.
