Lower Your Cost With Level III:

Visa and MasterCard have created an Interchange price model that has different rules and rates for processing Small Business, Purchase, and Corporate cards.  Most Business-To-Business merchants are still processing Level I consumer transactions.  Since they do not meet the rules of business card transactions these merchants are experiencing unnecessary downgrades and excessive surcharges.

STM has led the charge in controlling these increases by delivering Level II data.  By sending the Invoice Number and Sales Tax information with your transactions you eliminate Interchange elevation and qualify for lower rates.

STM is proud to announce the additional savings of Level III processing.  By using our web-based tool, your business will comply with all Level III data requirements including Tax, Product, Customer and Commodity Codes.  With this innovative offering, your business will receive the lowest possible Interchange rates and your cost will be substantially reduced.

Level III works over-the-counter with a card swipe and a standard receipt printer.  Level III dramatically lowers your cost for telephone orders and Accounts Receivable transactions.  One of the greatest benefits of Level III processing is the deep discounts for High Ticket transactions.

Level III is simple to implement and easy to use.  All that is required is a PC with an Internet connection.  Standard card swipe devices and printers are easily attached.  Your employees process the transactions and the web tool does all of the work.  You enjoy the savings.

Some clients have found that 73% of their processed volume qualifies for Level III savings.  Other clients have seen savings as high as 84 basis points.