Lower your card processing costs by optimizing how transactions qualify for interchange. Reduce unnecessary fees without changing how customers pay.
Interchange fees form the largest portion of your credit card processing costs. Companies that accept corporate cards can reduce processing fees by up to 20%. These are the fees card-issuing banks collect whenever their cards are used at your business.
These fees cover the banks' risk, fraud-prevention, and transaction-handling costs for each transaction. There are over 300 different interchange rate variations based on card type, industry, and transaction processing.
Interchange optimization is the process of qualifying for lower rates by providing additional transaction data that reduces the perceived risk to card issuers.
Level 1 Data
Level 1 provides only basic transaction details and qualifies for standard interchange rates. This is the standard information collected in every credit card transaction:
Transaction amount
Date
Merchant name and location
MCC code (merchant category)
Level 2 Data
Level 2 adds business-relevant information to the transaction. These additional fields can reduce interchange rates by 0.3% to 0.5% for qualifying transactions, particularly for business and purchasing cards.
Tax amount
Customer code
Merchant postal code
Invoice number/PO number
Level 3 Data
Level 3 data qualifies for the lowest interchange rates (saving 1.0-1.5%) by providing the most comprehensive transaction details:
Line-item product details
Quantity of items
Unit price and extended amount
Discount indicators
Shipping information
Order number
Save Money With Card Fee Optimization Services
Interchange optimization works by adding more data fields to each transaction, helping card networks better understand and classify them.
The impact is particularly significant for:
Businesses with larger average ticket sizes ($1,000+)
Companies that process corporate, purchasing, or government cards
B2B merchants with high annual processing volumes
Industries with established supply chains and recurring relationships
SensaPay's automatic optimization system identifies eligible transactions and enhances them with the appropriate data level without requiring manual input or changing how you accept payments.
Our service delivers the most substantial results for companies where commercial card spending is standard, typically falling into these key profiles:
A simple four-step process designed for busy business owners to reduce costs with no disruption.
Schedule Your Free Audit
Book a brief, confidential call. We’ll review your processing statements and identify potential savings, no obligation.
Receive Your Custom Savings Plan
We present a clear, data-backed forecast showing exactly how much you can save and recover.
Approve & Integrate
Give the go-ahead, and our specialists handle all technical setup behind the scenes. No downtime, no extra work for you.
Save & Recover Automatically
Your optimized rates take effect immediately. We begin lowering your monthly fees while recovering past overcharges.
Start Lowering Your Interchange Costs Today
Contact us for a straightforward review of your processing statements to identify opportunities for optimization and recovery.