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Merchant Levels
Merchant levels are defined by the volume of payment card transactions that a company stores, processes or transmits over a 12-month period. In addition to the validation requirements of your acquirer/credit card processor for PCI compliance, each card brand may have additional documentation required based on your merchant level.
Level 1
- Merchant levels are defined by the volume of payment card transactions that a company stores, processes or transmits over a 12-month period. In addition to the validation requirements of your acquirer/credit card processor for PCI compliance, each card brand may have additional documentation required based on your merchant level.
- Any merchant processing over 2,500,000 American Express transactions per year (all channels of acceptance).
- Any merchant that Visa or MasterCard determines should meet the Level 1 merchant requirements to minimize risk to the system.
Level 2
- Any merchant processing 1,000,000 to 6,000,000 Visa or MasterCard transactions per year (all channels of acceptance).
- Any merchant processing between 50,000 and 2,500,000 American Express transactions per year (all channels of acceptance).
Level 3
- Any merchant processing 20,000 to 1,000,000 Visa or MasterCard e-commerce transactions per year.
- Any merchant processing less than 50,000 American Express transactions per year (all channels of acceptance).
Level 4
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