What is a Level 3 merchant?

Asked by: Izaiah Volkman  |  Last update: April 27, 2026
Score: 4.7/5 (64 votes)

Level 3. Any merchant with more than 20,000 combined Mastercard and Maestro e-commerce transactions annually but less than or equal to one million total combined Mastercard and Maestro e-commerce transactions annually. Any merchant meeting the Level 3 criteria of Visa.

What are the levels of merchants?

At first glance, the PCI DSS merchant levels are as follows: Level 1 – Over 6 million transactions annually. Level 2 – Between 1 and 6 million transactions annually. Level 3 – Between 20 000 and 1 million transactions annually.

What is a level 3 vendor?

Vendors that are Level 3 can provide Line Item Detail including freight charges and sales tax. Detailed information regarding your transactions can be viewed after you register at: https://access.usbank.com. A Power Point training presentation is available at AccessOnline.

What is a Level 4 merchant?

Level 4. Merchants with fewer than 20,000 online transactions annually or any merchant that processes up to 1 million regular transactions per year.

What are the requirements for PCI Level 3 merchants?

PCI DSS Compliance Level 3

Applies to: Merchants that process between 20,000 and 1 million transactions each year. For example, small-to-medium businesses operating in a local area. PCI DSS Level 3 merchants do not need to perform an external audit, and do not need to submit a Report of Compliance (ROC).

Level 3 Merchant Account

27 related questions found

What is the difference between PCI Level 1 and Level 3?

PCI Level 1—Very large merchants processing over 6 million transactions annually. PCI Level 2—Large merchants processing between 1-6 million transactions per year. PCI Level 3—Mid-sized merchants processing 20,000 to 1 million transactions annually.

What is a Level 3 purchasing card?

Level 3, also known as level III , card data includes the same information captured at Levels I and II, and can also include quantities, product codes, product descriptions, freight amount, duty amount, order number, unit of measure, discount indicator, discount amount, tax rate applied, debit or credit indicator, and ...

What is a level 1 merchant?

Level 1: Merchants that process over 6 million card transactions annually. Level 2: Merchants that process 1 to 6 million transactions annually. Level 3: Merchants that process 20,000 to 1 million transactions annually. Level 4: Merchants that process fewer than 20,000 transactions annually.

Who qualifies as a merchant?

(1) “Merchant” means a person who deals in goods of the kind or otherwise by his occupation holds himself out as having knowledge or skill peculiar to the practices or goods involved in the transaction or to whom such knowledge or skill may be attributed by his employment of an agent or broker or other intermediary who ...

What is the difference between a trader and a merchant?

A trader is someone who buys and sells financial instrument such as stocks,bonds and derivatives. A merchant is a type of businessman who trades in commodities that he didn't produce himself,in order to earn a profit.

How do you qualify for level 3?

Q: What data is required to qualify for Level 3 processing rates? To qualify for Level 3 processing rates, businesses must provide all Level 1 and Level 2 data, plus additional details such as the shipping postal codes, invoice and order numbers, freight amount, product codes, and line-item details of the purchase.

What is a Tier 3 vendor?

Tier 1 Suppliers: These are direct suppliers of the final product. Tier 2 suppliers: These are suppliers or subcontractors for your tier 1 suppliers. Tier 3 suppliers: These are suppliers or subcontractors for your tier 2 suppliers.

What is a Level 3 consumer?

Tertiary consumers are animals that consume other animals to obtain nutrition from them. Most importantly, they are at the highest level of the food chain.

How do merchants make money?

A merchant is someone who makes money by buying and selling things that other people make. For example, the owner of a car dealership is a merchant; he doesn't make the cars, he buys them from Ford and Honda and other auto manufacturers and sells them at his dealership.

What is an example of a Level 4 merchant business?

Most Level 4 merchants are small e-commerce websites that process a small volume of transactions or small, brick-and-mortar stores that also handle less than 20,000 transactions or fewer than 1 million combined e-commerce and in-person transactions for Visa.

What is the difference between a vendor and a merchant?

A merchant usually indicates the selling of goods, whereas a vendor could be selling goods or services. There are a lot of situations where all of these terms are interchangeable however, so the above meanings are just indications and not hard rules.

How many merchant levels are there?

The regulation of payment cards is relatively new, but compliance with the Payment Card Industry (PCI) standards is vital.

How do you identify a merchant?

Merchant Identification Number

The MID can help identify a merchant when communicating with their processor and other parties. What is your merchant ID number? Put simply, MIDs are unique 15-digit alphanumeric codes used to identify your merchant bank account.

What is PCI level 3?

A PCI Level 3 service provider is a business that stores, processes, or transmits less than 300,000 Visa transactions or 1 million Visa transactions annually. They also must adhere to the PCI Data Security Standard (PCI DSS). Examples of PCI Level 3 service providers include: Web hosting companies.

How can you identify what merchant level you are?

These are:
  1. Level 1: Merchants processing over 6 million card transactions per year.
  2. Level 2: Merchants processing 1 million to 6 million card transactions per year.
  3. Level 3: Merchants processing 20,000 to 1 million card transactions per year.
  4. Level 4: Merchants processing fewer than 20,000 card transactions per year.

What is a merchant scale?

Adventuring gear. A scale includes a small balance, pans, and a suitable assortment of weights up to 2 pounds. With it, you can measure the exact weight of small objects, such as raw precious metals or trade goods, to help determine their worth.

What is the difference between level 2 and level 3?

Level 1 courses provide basic knowledge, and are ideal if you're new to a subject area. Level 2 courses are slightly more advanced and begin to build specialist knowledge. Level 3 courses develop specialist knowledge and can help you to enter employment or prepare you for university study.

What is a Level 3 card?

Level 3 credit card processing is used in B2B and B2G transactions to help larger businesses save on processing rates and fees. By collecting and providing an additional set of transactional data, this top level of processing offers significantly lower interchange rates for Visa and Mastercard transactions.

Does Amex have level 3 data?

Requirements for Level 3 data

Mastercard and Visa: between 20,000 and one million transactions annually, as well as, for Visa, completion of the same forms required for Level 2. American Express: does not offer Level 3 commercial card processing.