# Spaceape

> Enterprise payment infrastructure for the companies powering modern commerce.

## About

Spaceape is a boutique enterprise payment processing company that provides payment infrastructure, ACH processing, and financial services for high-volume commerce businesses. We serve ecommerce brands, fulfillment centers, 3PLs, warehouse operators, shipping companies, health & wellness brands, and subscription businesses.

## Services

- **Payment Processing**: Enterprise card processing with 98.7% approval rates and competitive interchange rates
- **ACH Processing**: High-volume ACH transfers for B2B and recurring payments
- **Settlement Management**: Real-time settlement tracking with 92% same-day deposit rates
- **Chargeback Management**: Proactive chargeback prevention and dispute resolution
- **Risk Center**: Real-time fraud detection and risk monitoring
- **Merchant Services**: Full-service merchant account setup and management

## Industries We Serve

- Ecommerce brands
- Fulfillment centers and 3PLs
- Warehouse operators
- Shipping and logistics companies
- Health & wellness brands
- Subscription commerce businesses
- DTC (Direct-to-Consumer) brands
- Commerce SaaS platforms

## Why Spaceape

- **Lower Processing Costs**: Interchange-plus pricing with no hidden fees
- **Boutique Support**: Dedicated account managers, not ticket queues
- **Commerce Expertise**: Built specifically for commerce and logistics operators
- **Built to Scale**: Infrastructure that grows from $100K to $25M+ monthly volume

## Level 3 Payment Processing

Spaceape provides Level 2 and Level 3 payment processing optimization for commercial card transactions.

### What is Level 3 Processing?
Level 3 processing allows merchants to submit detailed invoice-level information alongside a payment transaction, including invoice numbers, purchase orders, tax amounts, freight charges, product descriptions, SKUs, quantities, unit prices, commodity codes, and line item details. Eligible commercial card transactions may qualify for lower interchange rates when enhanced data is submitted correctly.

### Payment Levels
- **Level 1**: Standard transaction — merchant info, card number, amount, authorization, date. Used by most retail and consumer ecommerce merchants.
- **Level 2**: Adds commercial data — sales tax, customer code, invoice number, purchase order, merchant ZIP. Best for corporate cards, business cards, fleet cards.
- **Level 3**: Complete invoice-level data — everything in Level 2 plus product descriptions, SKU, quantity, unit price, freight, discount, commodity codes, line item detail. Best for enterprise B2B, 3PL, warehousing, shipping, distribution, commercial commerce.

### Who Benefits from Level 3?
Businesses that primarily serve other businesses and receive payments via corporate cards, purchasing cards (P-Cards), government cards, or commercial credit cards. This includes fulfillment centers, 3PLs, warehouse operators, shipping and postage providers, B2B ecommerce, and government/institutional suppliers.

### Commerce Infrastructure Review
Spaceape evaluates whether Level 3 processing is appropriate for each business by reviewing: customer payment mix, commercial card usage, corporate purchasing cards, ACH opportunities, payment routing, settlement workflows, invoice structure, ERP/accounting integrations, and operational efficiencies.

For more on Level 3 processing, visit: https://spaceape.io/level-3

## Contact

To learn more or request a commerce infrastructure review, visit: https://spaceape.io/contact