P-CARD Processing

If your organization works with large corporate or government customers, you must balance customers' expectations of top-notch service delivery, including the requirement to accept p-cards and deliver more detailed payment transaction detail. Banks started issuing p-cards to federal, state, and local government agencies (GSA SmartPay) and larger corporations to help them of payment from their customers. Many B2B and B2G merchants can qualify for lower interchange rates by processing more in-depth, line-item detail with each transaction, commonly known as Level 2 and 3 data. Government agencies and businesses prefer to use P-cards for a number of reasons including cost savings from e-procurement, enhanced reporting on purchases, employee purchasing control, and lower negotiated rates with businesses.

Level 2 data may include:

• Tax info
• Freight
• Duty
• PO Number

Level 3 Data includes:

• Merchant VAT Registration Number
• Purchaser VAT Registration Number
• VAT Invoice Ref Number
• VAT Tax Amount
• VAT Tax Rate
• Alternate Tax Amount Indicator
• Alternate Tax Amount
• National Tax Indicator
• National Tax Amount
• Order Discount Amount
• Duty Amount
• Freight Amount
• Purchaser Order Date
• Summary Commodity Code
• Ship from Zip
• Ship to Zip
• Ship to Country Code

Product information may include:

• Item Commodity Code
• Item Code
• Item Name
• Item Unit Price
• Item Quantity
• Discount Indicator
• Discount Rate
• Discount Amount
• Tax Rate
• Tax Amount
• Tax Type Applied
• Item Amount
• Gross Net Indicator
• Product Unit of Measure
• Alternate Tax ID