Level/Data II / B2C (Business to Consumer)
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Businesses that sell directly to retail consumers.
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Level/Data II / B2C gateways are not able to clear Business, Corporate or Purchasing Cards correctly; therefore, they incur a penalty/surcharge that averages 0.40% - 0.60%.
Level/Data III / B2B (Business to Business)
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Businesses that sell to businesses.
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Level/Data III / B2B gateways are not able to clear Consumer Cards correctly; therefore, they incur a penalty/surcharge that averages 0.25%.
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Usually does not support mobile acceptance.
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Requires your customers to fill in almost 30 fields when paying on your website.
Problems
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Most businesses don't receive only one type of credit card (e.g. Consumer, Business Cards).
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To make matters worse, Issuing Banks change Interchange categories an average of 200 times each year; getting transactions to clear in the correct category gets harder and harder to achieve.
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Other gateways can clear Level/Data II and Consumer, but not Level/Data III and Consumer, forcing merchants to forego the lower consumer rates when choosing Level/Data III gateways.
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Other gateways are owned or partnered with processors and/or banks. They represent their own interests, not the merchants'. Banks and processors profit from merchants' downgrades/surcharges.
The Solution: "Easy Gateway™"
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Easy Gateway™ clears:
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B2C Level/Data II
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B2B LevelData III
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Level/Data III mobile
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Level/Data III web
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Level/Data III QuickBooks
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Checks
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Gift/Loyalty Cards
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Requires only six (6) input fields to obtain Level/Data III.
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Requires only two (2) input fields to obtain Level/Data III on recurring transactions.
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Easy Gateway™ works on all browser and systems (PC/Mac).
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Easy Gateway™ reduces downgrades/surcharges.
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Easy Gateway™ was built for merchants.
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Easy Gateway™ only partners with merchants.