eCard Technology



National Merchants depend on our established corporate backing while leveraging our management team's years of industry experience. ECT sets the pace by redefining industry norms while exceeding our partners’ expectations with aggressive profit margins, our relationship-driven mission, and our full suite of intuitive next generation payment solutions. We are the smart alternative to jumbo processors.


e Card Technology and our partners' serve national merchants such as Wendy's International, Inc., T.G.I. Friday's, Thorntons Inc., The Kroger Company, Walgreens, Kohl's and Macy's Inc, to name a few. Our National Merchant Program offers best-in-class electronic payment solutions and the utmost level of technology with a span of product solutions including Credit Card, PIN-Secured Debit Card, Electronic Check Acceptance and Conversion, Automated Clearing House (ACH), End to End Encryption Solutions, Near Field Communications (NFC), ‘Tap-n-Go’ enabled terminals, Mobile/Wireless, Touch-Screen POS, and Gift/Loyalty Card Solutions.


With e Card’s National Merchant Program, you benefit from: • Dedicated account relationship management team focused on your industry to better understand your needs • My Merchant View, a powerful online payment solution reporting tool to help monitor your transactions • Chargeback defense system and fraud protection • Multiple flexible processing platforms and full data center redundancy for maximum uptime reliability • Direct connection to U.S. based customer service and technical support – not automated systems • Multiple Processor Front Ends - First Data, Nashville, Omaha, North (Cardnet), TSYS, Paymentech, Vantiv, Concord, Buypass, Worldpay • Proprietary POS Solutions • Private-Labeled, Proprietary Gateway and Virtual Terminal • Multi-currency • Level 3 Processing • Risk Monitoring/ PCI DSS Monitoring Services • Fraud Prevention Support

Level 3 Transactions:
Improve B2B Credit Card Processing
Business-to-business (B2B) credit card processing transactions require a higher level of detail than business-to-consumer (B2C) purchases in order for businesses to effectively monitor and track their spending. Here, we’ll explore Level 3 processing, a type of B2B or B2G transaction that offers more detailed data for increased business management.


What Is Level 3 Processing?
Credit card processing can be broken into three different categories: Level 1 (Standard), Level 2 (Enhanced) and Level 3 (Enhanced Detailed). Each processing level involves transmitting a certain amount of data for verification and authorization. Card Issuers and Banks typically charge additional fees for increased data transmission. Check with you Acquirer for the added cost.
Level 1 processing refers to B2C transactions that occur when consumers use their personal credit cards to make purchases, and requires the least amount of data, including just the merchant name, transaction amount and date.
Level 2 processing involves B2B processing and includes additional information, such as tax amount, customer code and merchant postal code.
Level 3 processing requires the most detailed data transmission, including item product codes, item description, quantity, tax rate, discount indicator and more. Because so much data entry is needed to qualify for Level 3, the processing rates may in some cases be lower but require specialized and well-equipped software to handle this level of detail.
Improving B2B Credit Card Processing
With the amount of detail transmitted through Level 3 processing, businesses can closely monitor and track purchases made on the company credit card. This helps to minimize inappropriate spending, and allows businesses to see where their money is going and why. With improved control over the spending process, businesses can reduce costs and improve business operations.

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