Level 2 / Level 3 Processing

In this guide, you'll learn the requirements of L2/L3 processing, which merchant types are ineligible, how to enable L2/L3, and how to create a sale, authorization, and capture using L2/L3.

Credit card processing fits into three levels: Level 1, Level 2, and Level 3 processing.

Each level is defined by the amount of information needed to complete a transaction.

Level 1: Normal interchange, no additional fields required
Level 2: Lower interchange, additional fields required
Level 3: Lowest interchange, additional fields required

For Level 2 and Level 3 processing, only business-to-business merchants and the government can receive lower interchange fees. Additionally, a corporate, business, or purchase card is required to obtain the lower interchange rate for Level 2 and 3 processing.

This feature is only supported on Visa and Mastercard branded cards.
Because only business-to-business and government transactions qualify, the Merchant needs to be enabled for Level 2/3 processing.
Level 2 and Level 3 processing is only available in Live environments. This feature isn't available to test in Sandbox environments.
Tax-exempt transactions are not eligible for Level 2. They are eligible for Level 3.

Ineligible Merchants

Specific business are excluded from processing Level 2 and 3 transactions.

If a Merchant has one of the following Merchant Category Codes (MCC), they aren't eligible to process Level 2/3 transactions:

MCC Code	Merchant Description
3000-3299, 4511	Airlines/Passenger Transport
3351-3500, 7512	Car Rentals/Auto Rental
4411	Cruise Lines
5962, 5966, 5967	High Risk Direct Marketing
3501-4010, 7011	Hotels/Lodging
4112	Passenger Railways
5812, 5814	Restaurants
4722	Travel Agents
7513	Truck and Utility Trailer Rentals

Update a Merchant to Enable Level 2/3 Processing

Before a Merchant1 can process Level 2 or 3 transactions, update the Merchant resource and enable level_two_level_three_data_enabled. For more information, see Update a Merchant.

The APIs to update Merchant flags are only available for Finix Core customers. If you have additional questions, please reach out to your Finix point of contact or email the Finix Support team.

curl https://finix.sandbox-payments-api.com/merchants/MUeDVrf2ahuKc9Eg5TeZugvs \
  -H "Content-Type: application/json" \
  -H 'Finix-Version: 2022-02-01' \
  -u  UStxEci4vXxGDWLQhNvao7YY:25038781-2369-4113-8187-34780e91052e \
  -X PUT \
  -d '{
    "level_two_level_three_data_enabled": true
  }'

Example Response:

{
    "id": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "created_at": "2022-01-27T07:37:04.03Z",
    "updated_at": "2022-01-27T07:37:06.12Z",
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "card_cvv_required": false,
    "card_expiration_date_required": true,
    "convenience_charges_enabled": true,
    "creating_transfer_from_report_enabled": true,
    "default_partial_authorization_enabled": false,
    "fee_ready_to_settle_upon": "SUCCESSFUL_CAPTURE",
    "gross_settlement_enabled": false,
    "identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "level_two_level_three_data_enabled": true,
    "mcc": "4900",
    "merchant_name": "Finix Flowers",
    "merchant_profile": "MP7tbAZ1RpjFycrfBVo6z4Ky",
    "mid": "FNXw5a7pBKHsCSgCAyQvU2soL",
    "onboarding_state": "APPROVED",
    "processing_enabled": true,
    "processor": "DUMMY_V1",
    "processor_details": {
        "mid": "FNXw5a7pBKHsCSgCAyQvU2soL",
        "api_key": "secretValue"
    },
    "ready_to_settle_upon": "SUCCESSFUL_CAPTURE",
    "rent_surcharges_enabled": true,
    "settlement_enabled": true,
    "settlement_funding_identifier": "UNSET",
    "surcharges_enabled": false,
    "tags": {
        "key_2": "value_2"
    },
    "verification": "VI5DBvVQ3ye5PcnUCSSvj84d",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUeDVrf2ahuKc9Eg5TeZugvs"
        },
        "identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        },
        "verifications": {
            "href": "https://finix.sandbox-payments-api.com/merchants/MUeDVrf2ahuKc9Eg5TeZugvs/verifications"
        },
        "merchant_profile": {
            "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MP7tbAZ1RpjFycrfBVo6z4Ky"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "verification": {
            "href": "https://finix.sandbox-payments-api.com/verifications/VI5DBvVQ3ye5PcnUCSSvj84d"
        }
    }
}

Creating Sales with Level 2 and Level 3 Processing

Once level_two_level_three_data_enabled is updated to true, the Merchant can process both Level 2 and Level 3 Transfers and Authorizations.

Level 2 and Level 3 Processing combines the data that gets requested during creation and captures it into one API call. An Authorization with Level 2 or Level 3 processing only needs to be captured if the data is different or changes from the original Authorization.

When processing Level 2 and Level 3 transactions, it's required to include additional fields when creating a Transfer and Authorization.

There are no changes in the post-payments experience (reversals, refunds, settlements, etc.) when processing Level 2 or Level 3 transactions.
The request arguments noted as required are the minimum amount of information needed for L2 or L3 interchange rates. There’s no additional benefit in passing every available request argument for a particular level.
Sales tax amount entered must be greater than 0.1% of the amount of the transaction.
If the transaction is tax exempt pass tax_exempt as true.

Creating a Sale with Level 2 and Level 3 Processing

Create a Sale with Level 2 Processing

Create a Transfer and include the required request arguments to include Level 2 processing.

curl https://finix.sandbox-payments-api.com/transfers \
  -H "Content-Type: application/json" \
  -H 'Finix-Version: 2022-02-01' \
  -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
  -d '{
    "additional_purchase_data": {
      "customer_reference_number": "321xyz",
      "sales_tax": 200
    },
    "amount": 1000,
    "currency": "USD",
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "source": "PIe2YvpcjvoVJ6PzoRPBK137"
  }'

A successful response returns 201 and the newly created Transfer.

{
    "id": "TRduGWrqXgcCcPBjhf5BXoB8",
    "created_at": "2022-10-10T06:33:04.48Z",
    "updated_at": "2022-10-10T06:33:05.26Z",
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "address_verification": null,
    "amount": 1000,
    "amount_requested": 1000,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "destination": null,
    "externally_funded": "UNKNOWN",
    "failure_code": null,
    "failure_message": null,
    "fee": 0,
    "idempotency_id": null,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "raw": null,
    "ready_to_settle_at": null,
    "security_code_verification": null,
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "state": "PENDING",
    "statement_descriptor": "FNX*FINIX FLOWERS",
    "subtype": "API",
    "tags": {
        "test": "sale"
    },
    "trace_id": "a91c7512-9ba9-497a-be2d-a154461f5463",
    "type": "DEBIT",
    "_links": {
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "self": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRduGWrqXgcCcPBjhf5BXoB8"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRduGWrqXgcCcPBjhf5BXoB8/payment_instruments"
        },
        "reversals": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRduGWrqXgcCcPBjhf5BXoB8/reversals"
        },
        "fees": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRduGWrqXgcCcPBjhf5BXoB8/fees"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRduGWrqXgcCcPBjhf5BXoB8/disputes"
        },
        "source": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIe2YvpcjvoVJ6PzoRPBK137"
        },
        "fee_profile": {
            "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPvCQUcnsueN3Bc3zR1qCBG8"
        }
    }
}

Request Arguments

Field	Type	Description
`amount`	integer, required	The total amount that will be debited in cents (e.g. 100 cents to debit $1.00)
`currency`	string, required	3-letter ISO code designating the currency of the `Transfers` (e.g. USD)
`merchant`	string, required	`Merchant` ID of the merchant whom you're charging on behalf of
`source`	string, required	ID of the `Payment Instrument` that will be debited

Additional Purchase Data Request Arguments

Field	Type	Description
`customer_reference_number`	string, required	The customer reference for the purchase (max 17 characters)
`sales_tax`	integer, required	Total aggregate tax amount in cents for the entire purchase. Field is automatically calculated if you pass in the itemized tax amounts. For non-taxable transactions either set `sales_tax` to 0 or omit from payload and also set `tax_exempt` to true.

Create a Sale with Level 3 Processing

Create a Transfer with the additional fields to include Level 3 processing.

curl https://finix.sandbox-payments-api.com/transfers \
  -H "Content-Type: application/json" \
  -H 'Finix-Version: 2022-02-01' \
  -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
  -d '{
    "additional_purchase_data": {
      "item_data": [
        {
          "amount_excluding_sales_tax": 400,
          "amount_including_sales_tax": 500,
          "commodity_code": "175-62-20",
          "cost_per_unit": 500,
          "item_description": "printing paper",
          "item_discount_amount": 100,
          "merchant_product_code": "1149611",
          "quantity": 1,
          "unit_of_measure": "BX"
        },
        {
          "amount_excluding_sales_tax": 400,
          "amount_including_sales_tax": 500,
          "commodity_code": "207-72-54",
          "cost_per_unit": 500,
          "item_description": "printing ink",
          "item_discount_amount": 0,
          "merchant_product_code": "2149612",
          "quantity": 1,
          "unit_of_measure": "CTN"
        }
      ],
      "customer_reference_number": "321xyz",
      "customs_duty_amount": 10,
      "discount_amount": 100,
      "shipping_amount": 100
    },
    "amount": 1000,
    "currency": "USD",
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "tags": {
      "test": "sale"
    }
  }'

A successful response returns 201 and the newly created Transfer.

{
    "id": "TR3v4waDVmKK9gf24SuDinZQ",
    "created_at": "2022-10-10T06:37:58.20Z",
    "updated_at": "2022-10-10T06:37:58.97Z",
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "address_verification": null,
    "amount": 1000,
    "amount_requested": 1000,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "destination": null,
    "externally_funded": "UNKNOWN",
    "failure_code": null,
    "failure_message": null,
    "fee": 0,
    "idempotency_id": null,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "raw": null,
    "ready_to_settle_at": null,
    "security_code_verification": null,
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "state": "PENDING",
    "statement_descriptor": "FNX*FINIX FLOWERS",
    "subtype": "API",
    "tags": {
        "test": "sale"
    },
    "trace_id": "046d9a4f-9688-4c3e-b7f0-665e1d541304",
    "type": "DEBIT",
    "_links": {
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "self": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR3v4waDVmKK9gf24SuDinZQ"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR3v4waDVmKK9gf24SuDinZQ/payment_instruments"
        },
        "reversals": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR3v4waDVmKK9gf24SuDinZQ/reversals"
        },
        "fees": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR3v4waDVmKK9gf24SuDinZQ/fees"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR3v4waDVmKK9gf24SuDinZQ/disputes"
        },
        "source": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIe2YvpcjvoVJ6PzoRPBK137"
        },
        "fee_profile": {
            "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPvCQUcnsueN3Bc3zR1qCBG8"
        }
    }
}

Request Arguments

Field	Type	Description
`amount`	integer, required	The total amount that will be debited in cents (e.g. 100 cents to debit $1.00)
`currency`	string, required	3-letter ISO code designating the currency of the `Transfers` (e.g. USD)
`merchant`	string, required	`Merchant` ID of the merchant whom you're charging on behalf of
`source`	string, required	ID of the `Payment Instrument` that will be debited

Additional Purchase Data Request Arguments

Field	Type	Description
`customer_reference_number`	string, required	The customer reference for the purchase (max 17 characters)
`customs_duty_amount`	integer, required	The duty in cents on the total purchase amount for the order
`discount_amount`	integer, required	The amount in cents of the discount for the order
`shipping_amount`	integer, required	The shipping cost in cents for the order
`tax_exempt`	boolean, optional	For tax exempt purchases set to True

Item Data Request Arguments

Field	Type	Description
`amount_excluding_sales_tax`	integer, required	Total cost in cents of the line item excluding tax (must be greater than $0.00).
`amount_including_sales_tax`	integer, required	Total cost in cents of the line item including tax (must be greater than $0.00).
`commodity_code`	string, required	A commodity code is a numeric code representing a particular product or service as defined by the National Institute of Governmental Purchasing. The code can be 3, 5, 7, or 11 digits in length. The longer the code the more granular the description of the product/service. (max 12 characters)
`cost_per_unit`	integer, required	The price in cents of one unit of the item purchased
`item_description`	string, required	Required when item_data is supplied (max 25 characters)
`item_discount_amount`	integer, required	Item discount amount in cents
`merchant_product_code`	string, required	Merchant defined product code (max 12 characters)
`quantity`	integer, required	The number of items purchased. Must be greater than 0.
`unit_of_measure`	string, required	The unit of measure of the purchased item (max 3 characters)

Create an Authorization with Level 2 and Level 3 Processing

Create an Authorization with Level 2 Processing

Create an Authorization with the additional fields to include Level 2 processing.

curl https://finix.sandbox-payments-api.com/authorizations \
  -H "Content-Type: application/json" \
  -H 'Finix-Version: 2022-02-01' \
  -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
  -d '{
    "additional_purchase_data": {
      "customer_reference_number": "321xyz",
      "sales_tax": 200
    },
    "amount": 1000,
    "currency": "USD",
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "processor": "DUMMY_V1",
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "tags": {
      "order_number": "21DFASJSAKAS"
    }
  }'

A successful response returns 201 and the newly created Authorization.

{
    "id": "AUazNfgBGxPoJ9FbVzsdYLWm",
    "created_at": "2022-10-10T06:39:30.18Z",
    "updated_at": "2022-10-10T06:39:30.56Z",
    "3ds_redirect_url": null,
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "address_verification": "POSTAL_CODE_AND_STREET_MATCH",
    "amount": 1000,
    "amount_requested": 1000,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "expires_at": "2022-10-17T06:39:30.18Z",
    "failure_code": null,
    "failure_message": null,
    "idempotency_id": null,
    "is_void": false,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "raw": null,
    "security_code_verification": "MATCHED",
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "state": "SUCCEEDED",
    "tags": {
        "order_number": "21DFASJSAKAS"
    },
    "trace_id": "85aeb017-f405-4938-a0f9-a91b9b9ef591",
    "transfer": null,
    "void_state": "UNATTEMPTED",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/authorizations/AUazNfgBGxPoJ9FbVzsdYLWm"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        }
    }
}

Request Arguments

Field	Type	Description
`amount`	integer, required	The total amount that will be debited in cents (e.g. 100 cents to debit $1.00)
`currency`	string, required	3-letter ISO code designating the currency of the `Transfers` (e.g. USD)
`merchant`	string, required	`Merchant` ID of the merchant whom you're charging on behalf of
`source`	string, required	ID of the `Payment Instrument` that will be debited

Additional Purchase Data Request Arguments

Field	Type	Description
`customer_reference_number`	string, required	The customer reference for the purchase (max 17 characters)
`sales_tax`	integer, required	Total aggregate tax amount in cents for the entire purchase. Field is automatically calculated if you pass in the itemized tax amounts. For non-taxable transactions either set `sales_tax` to 0 or omit from payload and also set `tax_exempt` to true.

Create an Authorization with Level 3 Processing

Create an Authorization with the additional fields to include Level 3 processing.

curl https://finix.sandbox-payments-api.com/authorizations \
  -H "Content-Type: application/json" \
  -H 'Finix-Version: 2022-02-01' \
  -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
  -d '{
    "additional_purchase_data": {
      "item_data": [
        {
          "amount_excluding_sales_tax": 400,
          "amount_including_sales_tax": 500,
          "commodity_code": "175-62-20",
          "cost_per_unit": 500,
          "item_description": "printing paper",
          "item_discount_amount": 100,
          "merchant_product_code": "1149611",
          "quantity": 1,
          "unit_of_measure": "BX"
        },
        {
          "amount_excluding_sales_tax": 400,
          "amount_including_sales_tax": 500,
          "commodity_code": "207-72-54",
          "cost_per_unit": 500,
          "item_description": "printing ink",
          "item_discount_amount": 0,
          "merchant_product_code": "2149612",
          "quantity": 1,
          "unit_of_measure": "CTN"
        }
      ],
      "customer_reference_number": "321xyz",
      "customs_duty_amount": 10,
      "discount_amount": 100,
      "shipping_amount": 100
    },
    "amount": 1000,
    "currency": "USD",
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "tags": {
      "test": "sale"
    }
  }'

A successful response returns 201 and the newly created Authorization.

{
    "id": "AU4HM7X5CcrZ3aXseTreMQ4D",
    "created_at": "2022-10-10T06:40:16.66Z",
    "updated_at": "2022-10-10T06:40:16.90Z",
    "3ds_redirect_url": null,
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "address_verification": "POSTAL_CODE_AND_STREET_MATCH",
    "amount": 1000,
    "amount_requested": 1000,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "expires_at": "2022-10-17T06:40:16.66Z",
    "failure_code": null,
    "failure_message": null,
    "idempotency_id": null,
    "is_void": false,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "raw": null,
    "security_code_verification": "MATCHED",
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "state": "SUCCEEDED",
    "tags": {
        "test": "sale"
    },
    "trace_id": "b2021017-a86a-4bbd-bfa9-9fe047b73067",
    "transfer": null,
    "void_state": "UNATTEMPTED",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/authorizations/AU4HM7X5CcrZ3aXseTreMQ4D"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        }
    }
}

Request Arguments

Field	Type	Description
`amount`	integer, required	The total amount that will be debited in cents (e.g. 100 cents to debit $1.00)
`currency`	string, required	3-letter ISO code designating the currency of the `Transfers` (e.g. USD)
`merchant`	string, required	`Merchant` ID of the merchant whom you're charging on behalf of
`source`	string, required	ID of the `Payment Instrument` that will be debited

Additional Purchase Data Request Arguments

Field	Type	Description
`customer_reference_number`	string, required	The customer reference for the purchase (max 17 characters)
`customs_duty_amount`	integer, required	The duty in cents on the total purchase amount for the order
`discount_amount`	integer, required	The amount in cents of the discount for the order
`shipping_amount`	integer, required	The shipping cost in cents for the order
`tax_exempt`	boolean, optional	For tax exempt purchases set to True

Item Data Request Arguments

Field	Type	Description
`amount_excluding_sales_tax`	integer, required	Total cost in cents of the line item excluding tax
`amount_including_sales_tax`	integer, required	Total cost in cents of the line item including tax
`commodity_code`	string, required	A commodity code is a numeric code representing a particular product or service as defined by the National Institute of Governmental Purchasing. The code can be 3, 5, 7, or 11 digits in length. The longer the code the more granular the description of the product/service. (max 12 characters)
`cost_per_unit`	integer, required	The price in cents of one unit of the item purchased
`item_description`	string, required	Required when item_data is supplied (max 25 characters)
`item_discount_amount`	integer, required	Item discount amount in cents
`merchant_product_code`	string, required	Merchant defined product code (max 12 characters)
`quantity`	integer, required	The number of items purchased. Must be greater than 0.
`unit_of_measure`	string, required	The unit of measure of the purchased item (max 3 characters)

Capture an Authorization with Level 2/Level 3 Processing

Unless the Level 2/Level 3 data is different than the original information used to create the Authorization, there's no need to include Level 2/Level 3 data in the capture request.

Finix will automatically include the Level 2/Level 3 data with the capture request.

curl https://finix.sandbox-payments-api.com/authorizations/AUxgS2JLMnicqNYBpsViNQUp \
  -H "Content-Type: application/json" \
  -H 'Finix-Version: 2022-02-01' \
  -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
  -X PUT \
  -d '{
    "additional_purchase_data": {
      "item_data": [
        {
          "amount_excluding_sales_tax": 400,
          "amount_including_sales_tax": 500,
          "commodity_code": "175-62-20",
          "cost_per_unit": 500,
          "item_description": "printing paper",
          "item_discount_amount": 100,
          "merchant_product_code": "1149611",
          "quantity": 1,
          "unit_of_measure": "BX"
        },
        {
          "amount_excluding_sales_tax": 400,
          "amount_including_sales_tax": 500,
          "commodity_code": "207-72-54",
          "cost_per_unit": 500,
          "item_description": "printing ink",
          "item_discount_amount": 0,
          "merchant_product_code": "2149612",
          "quantity": 1,
          "unit_of_measure": "CTN"
        }
      ],
      "customer_reference_number": "321xyz",
      "customs_duty_amount": 10,
      "discount_amount": 100,
      "shipping_amount": 100
    },
    "fee": 0,
    "capture_amount": 100
  }'

A successful response returns 201 and the captured Authorization.

{
    "id": "AUxgS2JLMnicqNYBpsViNQUp",
    "created_at": "2022-09-28T19:07:52.44Z",
    "updated_at": "2022-10-10T06:43:53.74Z",
    "3ds_redirect_url": null,
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "address_verification": "POSTAL_CODE_AND_STREET_MATCH",
    "amount": 100,
    "amount_requested": 100,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "expires_at": "2022-10-05T19:07:52.44Z",
    "failure_code": null,
    "failure_message": null,
    "idempotency_id": null,
    "is_void": false,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "raw": null,
    "security_code_verification": "MATCHED",
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "state": "SUCCEEDED",
    "tags": {
        "order_number": "21DFASJSAKAS"
    },
    "trace_id": "99df414c-7afb-4d97-b3cd-3592a37eefa8",
    "transfer": "TRskeVxUegfhhffGLFX4TEUa",
    "void_state": "UNATTEMPTED",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/authorizations/AUxgS2JLMnicqNYBpsViNQUp"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "transfer": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRskeVxUegfhhffGLFX4TEUa"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        }
    }
}

Level 2 / Level 3 Processing

Ineligible Merchants

Update a Merchant to Enable Level 2/3 Processing

Creating Sales with Level 2 and Level 3 Processing

Creating a Sale with Level 2 and Level 3 Processing

Create a Sale with Level 2 Processing

Request Arguments

Additional Purchase Data Request Arguments

Create a Sale with Level 3 Processing

Request Arguments

Additional Purchase Data Request Arguments

Item Data Request Arguments

Create an Authorization with Level 2 and Level 3 Processing

Create an Authorization with Level 2 Processing

Request Arguments

Additional Purchase Data Request Arguments

Create an Authorization with Level 3 Processing

Request Arguments

Additional Purchase Data Request Arguments

Item Data Request Arguments

Capture an Authorization with Level 2/Level 3 Processing

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