Root Cause

• Missing Level III data: Required fields such as item descriptions, quantities, or tax amounts were not submitted.

• Incorrect or invalid data: Incorrect formatting or values in the Level III fields.

• Gateway requirements: Specific payment processors mandate Level III data for certain transaction types (e.g., B2B or government cards).

• Incomplete integrations: The merchant's system did not pass all mandatory Level III fields during the transaction request.

Troubleshooting and Solutions

• Internally:

  • Review the payment payload and verify that all mandatory Level III data fields are correctly populated.

  • Ensure accurate formatting of line-item details like item names, quantities, unit costs, tax rates, and shipping details.

• Consult the gateway's Level III data documentation for the required field formats and completeness.

• Retry the transaction after ensuring that all necessary Level III information is accurately provided.