Network Security

Data and transaction security are vital to businesses. In the article by “Host Merchant Service” it talks about the importance of how to keep your business data, including your customers’ data, safe and secure.

The article talks about the three security Levels of Data.

In the merchant account business there are different levels of data. This three level system decides whether or not a transaction is qualified. When changes are implemented in the credit card processing industry, there are also changes in the regulations on how this data is processed.

It is important to know the difference between the various levels for data security and PCI Compliance. Different merchants require different levels of data, Host Merchant Services explains the data utilized at each level.

Level l

In this levelcard data is associated with consumer transactions and limited purchase data returned to the cardholder. Card data includes the same information captured during a traditional credit card purchase transaction.

Which total purchase amount, date, merchant category code and supplier/retailer name.

Level ll

 This level captures same information captured at level 1, plus sales tax amount, customer’s accounting code, merchant’s tax ID number, applicable minority– and women-owned business status and sales outlet ZIP code.

Level lldata  elements benefit the corporate/government/industrial buyer and can often be transmitted via a standard credit card point of sale terminal due to their restricted capabilities.

Level lll

It includes the same information captured at Levels I and II, plus quantities, product codes, product descriptions, ship to ZIP, freight amount, duty amount, order/ticket number, unit of measure, extended item amount, discount indicator, discount amount, net/gross indicator, tax rate applied, tax type applied, debit or credit indicator and alternate tax identifier.

It is a comprehensive line item detail. This data is equivalent to the information found on an itemized invoice, and requires greater system capability which is provided through 3Delta Systems’ payment applications.




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