Level III processing with PayTrace virtual terminal vs CenPOS virtual terminal

Are you looking for a payment gateway or virtual terminal that supports level III data (L3 or level 3)  processing and does not require a new merchant account? This review compares a select few features of Paytrace and CenPOS, specifically to address business to business needs with token billing. Level III data, or enhanced data, can significantly reduce credit card processing fees.  Both services are compatible with multiple credit card processors, including the big two, First Data Merchant Services and Chase Paymentech.

Watch these two videos, each of which uses stored customer payment information, and adds level 3 data to a transaction, then read my comments below.

PayTrace is a product of PayTrace, Inc, a registered trademark. PayTrace Level 3 Processing Video:


PayTrace level III processing transaction with stored card number video steps:

  1. Retrieve stored customer
  2. Key enter amount
  3. Process transaction
  4. Confirm total
  5. Transaction is approved.  Red text appears stating Level III could be added
  6. Click to add Level III data.
  7. Default data is displayed- modify & click to add.
  8. Alert remains that at least 1 item should be added. Click to add a line item.
  9. Default line item detail appears. Click to add line item.
  10. Click to add another line item or close and return to Paytrace page.

Optionally click navigation to view all level III data items – update any in red before settlement.


CenPOS level III processing transaction with stored card number (token billing): level 3 video

If the video does not automatically load, click the link to watch on my youtube channel, Youtube.com/3dmerchant

#30-B Charge a stored credit card and pass level III data video (click to enlarge video, then hit escape to return)

CenPOS Level III Processing Steps:

  1. Retrieve stored customer token
  2. Key enter amount
  3. Invoice is required (required for key entered transactions qualified interchange rates)
  4. Submit transaction
  5. Level III default template including line item appears (choose alternate template if desired) . Optionally add notes.
  6. Submit
  7. Receipt appears- review, print or close. ( Customer is automatically sent a copy of receipt to email address or mobile on file.)


There are many differences between the payment  gateways, however, these video’s demonstrate two key differentiators that are consistent when comparing level III processing services on the market.

  1. PayTrace relies on employees to do the right thing at the point of sale to help merchants qualify for the lowest interchange rates. CenPOS does not. Administrators create rules to meet company financial and risk objectives, including requiring level III enhanced data on all eligible transactions.
  2. Simplicity of function and pleasing design. The CenPOS user-friendly, graphical interface and automated prompting is unparalleled. The efficiencies gained are highly valued by CenPOS users.

What do you think? I’d love your comments.

2 thoughts on “Level III processing with PayTrace virtual terminal vs CenPOS virtual terminal

    • Vacation rent payments could mean any number of things. For a family that rents out their vacation home a couple of times a year, then Paypal might be the best option other than checks or cash.

      If this is serious business with a federal tax ID and decent revenue stream- over $100,000 per year- then the entire picture needs to be looked at. Are the renters typically US based or not? What is the lead time? Deposit requirement? These can all impact the which merchant account, and thus sometimes, which virtual terminal. The issue is not likely to be the VT vendor selection, but more likely, what solution will mitigate risk of losses in the event of a future dispute.
      Your question seems to be off topic without further explanation. Private Vacation rental homes are not my area of expertise. Rental property management for business getaways might be relevant to this article, because otherwise, level III processing may be completely irrelevant.

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