| HN Mirror

For obvious reasons, businesses are usually mum about this, but I've seen some reports that Amex takes L3 data for B2C stuff:

https://www.thecreditchronicles.com/blog/tips-and-tricks-for...

> Another suggestion is to watch out for whether your store shares Level 3 (L3) data with your credit card company. These levels indicate how much information about your transaction is shared with the credit card company. L3 data includes the most amount of information, including itemized data about exactly what you purchased. If the store shares L3 data, your credit card company will be able to easily determine that you have been purchasing gift cards.

> Whether a store shares L3 data may be different for Visa and Amex transactions. For Amex transactions, you can look at your statement history on the web (not mobile) Amex website to see if they include an itemized list of what you purchased. If not, then no L3 data has been shared. Thus, we suggest starting by making a small purchase at the retailer to determine if they share L3 data, and only scale up if they do not.

The infrastructure is clearly in place, it's just a matter of if the agreement is in place and if the store is ready to sell out their customers for the discounted interchange rate. I was hoping to find a better link than a CC points hacking site discussing "manufactured spending", but that's what I could find easily. Grocery stores supporting EBT/SNAP/Benefits must have the infrastructure in place to support L3 data: that's how they determine if you the transaction is eligible or not.