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You're telling me I am a Level 4 (or 3, or 2 or 1) merchant and I don't even know what that is?

VISA and MasterCard classify merchants according to the size and nature of their business, and the table below will explain this:

LEVEL

HOW TO DETERMINE MERCHANT LEVEL

1

·         Any merchant processing over six million Visa or MasterCard transactions per year,

·         OR, any compromised merchant.

2

·         Any merchant processing one to six million Visa or MasterCard transactions per year.

3

·         Any merchant processing 20,000 to one million Visa or MasterCard e-commerce transactions per year.

4

      E-commerce merchants only

·         Any merchant processing less than 20,000 Visa or MasterCard e-commerce transactions per year,

Non e-commerce merchants

·         Any merchant processing up to one million Visa or MasterCard transactions per year.

 

Please note, if a security breach occurs within your environment or that of your third parties, the merchant is automatically re-classified as level 1 and remains at that level for 12 months.

 

The above can be found on both the Visa and MasterCard sites.

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