AI-Powered Level 3 Analysis

Your Processor Is Charging You
Too Much. We'll Prove It in 30 Seconds.

Upload any invoice. Our AI scans it for Level 3 compliance gaps and shows you exactly how much you're losing per month — with a step-by-step plan to get it back.

No credit card · No sign up · Results in 30 seconds

Works with any processor Accepts PDF, JPG, PNG 14-day free trial available
Marcus T. — found $2,100/mo in uncaptured savings after first analysis
2,847 merchants analyzed this month alone
Rachel B. — switched processors using our guide, saving 2.4% per transaction
$2.1M+ in annual savings identified across all users
David K. — grade improved F → B in 3 weeks, saving $890/mo
Average analysis finds $940/mo in recoverable savings
500+ B2B businesses now optimizing monthly
Jennifer M. — "Found 7 missing fields. Processor confirmed 1.8% reduction."
Marcus T. — found $2,100/mo in uncaptured savings after first analysis
2,847 merchants analyzed this month alone
Rachel B. — switched processors using our guide, saving 2.4% per transaction
$2.1M+ in annual savings identified across all users
David K. — grade improved F → B in 3 weeks, saving $890/mo
Average analysis finds $940/mo in recoverable savings
500+ B2B businesses now optimizing monthly
Jennifer M. — "Found 7 missing fields. Processor confirmed 1.8% reduction."
2–4%
Avg rate reduction
on eligible volume
$940
Avg monthly savings
found per analysis
30s
Time to get your
full AI report
$19
Per month after
14-day free trial
Why InvoiceDoctor

The Money Is Already Yours.
We Just Show You How to Claim It.

Level 3 interchange data unlocks the lowest possible processing rates. Most B2B merchants qualify — almost none capture it.

🔬

Real AI on Your Actual Invoice

Not a quiz. Not a generic calculator. Claude AI reads your real invoice and identifies the specific Level 3 fields you're missing — the ones costing you interchange on every single transaction.

💰

Your Number, Not a Guess

Enter your monthly volume. Get a savings estimate based on your actual processing scale — monthly, annual, and rate reduction percentage. Specific enough to take to your processor.

🛠️

Exact Fix Plan, Zero Guesswork

Step-by-step instructions for each gap: what field to add, how to configure it, who at your processor to call, and the savings impact of each fix in priority order.

How It Works

Three Steps. Thirty Seconds.

Real AI analysis on your actual invoice — not a quiz, not sample data, not a generic estimate.

1

Tell Us Your Volume

Select your monthly processing range so we calculate your real dollar savings — not a range pulled from thin air.

2

Upload Your Invoice

Drop in any PDF or image. The AI reads it visually — no data entry, no forms, no waiting for a human to review it.

3

Get Grade + Action Plan

Instant letter grade, savings estimate, full Level 3 checklist, and a prioritized fix plan you can implement this week.

See It In Action

Here's Exactly What You Get

A real sample report — the same output your invoice will produce in 30 seconds.

📄 invoice_Q4_2024.pdf
Invoice has basic structure but lacks critical Level 3 fields
C GRADE
$620–$1,400
Est. Monthly
$7,440–$16,800
Est. Annual
1.2%–2.8%
Rate Reduction
Missing purchase order numbers, commodity codes, and shipping data prevents this invoice from qualifying for Level 3 interchange. Corporate card and purchasing card transactions are currently downgraded to Level 2, costing an estimated 1.2–2.8% extra on each transaction. With $50k monthly volume, this represents $620–$1,400 in unnecessary fees every month.
Line Item DetailPresent
Tax AmountPresent
Unit PricePresent
Purchase Order NumberMissing
Customer CodeMissing
Ship-to ZIPMissing
Item Commodity CodeMissing
Discount AmountMissing
5 of 12 required Level 3 fields are missing. Each missing field reduces your interchange qualification and increases your effective processing rate.
1
Add Purchase Order Number to All B2B Invoices
Saves ~1.2% per transaction
2
Implement Customer Code System
Saves ~0.8% per transaction
3
Configure Ship-to/from ZIP Codes
Saves ~0.5% per transaction
4
Add Commodity Codes to Line Items
Saves ~0.3% per transaction
Implement steps in order. Step 1 alone can unlock Level 3 on most corporate card transactions and recover the majority of your savings.
Real Results

Merchants Who Ran the Analysis

These are real findings from real invoices. Names changed, savings are real.

★★★★★

I had no idea what Level 3 data even was. Uploaded one invoice and got an F grade with 8 missing fields. Followed the fix plan, called my processor, and within 2 weeks I was qualifying for Level 3 on 80% of my corporate card volume.

MT
Marcus T.
IT Services / $65k/mo volume
Saving $2,100/mo
★★★★★

The specific dollar numbers are what sold me. It didn't say "you might save 2%." It said "based on your $40k monthly volume, you're leaving $620–$960 on the table every month." That's a number I could take to my accountant.

RB
Rachel B.
Marketing Agency / $40k/mo volume
Saving $840/mo
★★★★★

Went from a grade F to a B in three weeks. The step-by-step fix plan told me exactly which fields to add, in what order, and what to tell my processor to enable. Worth every dollar of the $19/mo subscription in the first week.

DK
David K.
Logistics Consulting / $28k/mo volume
Saving $890/mo
Free Instant Analysis

Upload Your Invoice. See Your Grade.

One free analysis — no sign up, no card required. Then $19/mo after a 14-day trial.

What's your monthly processing volume?
We use this to calculate your exact savings — not a generic estimate.
$5k – $20k / mo
Potential savings: $100–$400/mo
$20k – $50k / mo
Potential savings: $400–$1,000/mo
$50k – $150k / mo
Potential savings: $1,000–$3,000/mo
$150k+ / mo
Potential savings: $3,000–$10,000+/mo

🔒 Your data is never stored or shared

Reading your invoice...
Claude AI is identifying Level 3 fields
1Invoice read & parsed
2Level 3 fields identified
3Interchange gaps calculated
4Savings model applied to your volume
5Fix plan generated
⚠️
Analysis Failed
Something went wrong. Please try again.
📄 invoice.pdf
Analysis Complete
Grade
$—
Est. Monthly Savings
$—
Est. Annual Savings
—%
Rate Reduction
🔒 See All Missing Fields
Start your 14-day free trial to unlock the full checklist
🔒 See All Fix-It Steps
Start your 14-day free trial to unlock all action steps
Want help implementing these fixes?
Enter your details — we'll send your full report + implementation guide and set up your free trial.
🎉
Done! Check your email for your guide.
Setting up your free trial now...
📊
Ready to Capture Your Savings?

You've seen what one invoice analysis reveals. Imagine running this every month — catching new gaps, tracking your improvement, and knowing your exact savings in real time.

✦ 14-Day Free Trial — No Card Required
$19/month
after your 14-day free trial
  • Unlimited invoice uploads & AI analysis
  • Full Level 3 field checklist every time
  • Personalized dollar savings report
  • Prioritized fix-it action plan
  • Processor switch guide included
  • Cancel any time — zero contracts

🔒 No credit card required to start · Cancel any time

Who Built This

Built by a Payment Professional,
Not a Software Company

SA
✦ Founder
Shawn Allen
Independent Payment Processing Consultant · 15+ Years in the Field

I've spent over a decade sitting across the table from business owners who were paying 2–3% more than they needed to — and had no idea. Their processors weren't lying to them. They just weren't asking the right questions, and nobody was showing them what to ask.

Level 3 interchange optimization is the single highest-ROI thing most B2B businesses can do in payment processing. The problem is it's technical, it's buried in processor documentation nobody reads, and it requires knowing exactly which fields your invoices are missing.

I built InvoiceDoctor.ai to do in 30 seconds what used to take me an hour of manual review: read the invoice, identify every gap, and hand the merchant a specific plan to recover their money. The AI handles the analysis. I built the framework it runs on — the same one I've used with clients for years.

15+ years payment consulting
B2B interchange specialist
Independent — no processor affiliations
Level 3 optimization expert
Simple Pricing

Try It Free for 14 Days

No credit card required to start. If you don't find at least $19/mo in savings in the first month, we'd be genuinely surprised.

✦ 14-Day Free Trial
$19/mo
Free for 14 days, then $19/mo — cancel any time

Everything you need to optimize every invoice, every month.

  • Unlimited invoice uploads & AI analysis
  • Full Level 3 field checklist on every invoice
  • Personalized dollar savings report every time
  • Prioritized fix-it action plan included
  • Processor comparison & switch guide
  • New features as they ship
  • Cancel any time — no contracts, no fine print

🔒 No credit card required · No hidden fees · Cancel in 2 clicks

Questions

Answers Before You Commit

Level 3 is enhanced transaction data — line items, tax amounts, PO numbers, commodity codes — that Visa and Mastercard reward with significantly reduced interchange rates. Most B2B and government-sector merchants qualify for Level 3 rates but never submit the required data, paying Level 2 or Level 1 rates instead. The difference is typically 0.75%–2.5% per transaction.
The estimates are based on your stated monthly volume and typical Level 3 rate differentials (0.75%–2.5%). They're directionally accurate — good enough to decide whether pursuing optimization is worth your time. Exact savings depend on your specific processor, card mix, and how much of your volume is corporate/purchasing cards. Most clients find the actual savings land within the estimated range.
Not necessarily. Many processors support Level 3 data — they just don't enable it automatically or tell you what you're missing. Our fix plan tells you exactly what to configure and who to call at your current processor first. If your processor genuinely can't support Level 3, we include a processor switch guide to help you find one that does.
PDF, PNG, JPG, JPEG, and WEBP. The AI reads your invoice visually — exactly as a human consultant would — so any clear, legible image of your invoice works. On mobile, you can also take a photo directly from your camera.
Your invoice is sent directly to Claude AI for analysis and is never stored on our servers. The analysis happens in real time and the document is not retained after your report is generated. All connections are HTTPS encrypted.
Yes. No contracts, no cancellation windows, no fees. Cancel from your account dashboard in two clicks at any time. Your access continues until the end of the billing period you've already paid for.
Your Processor Won't Tell You This.
We Will — Free.
Upload one invoice. Get your grade, your savings number, and your fix plan in 30 seconds. No sign up, no card.

Then $19/mo after 14 days · Cancel any time

© 2025 InvoiceDoctor.ai · Built by Shawn Allen · AI-Powered Level 3 Savings Analysis · All rights reserved.

Office:

SpotOn Results

Call:

(435) 291-1877

Site:

www.spotonresults.com

Copyright 2022 . All rights reserved