This question is best directed to your acquiring bank, as they will have full details of your transactions, and which level you are defined as. However, merchant levels are based on the number of annual transactions that are taken through your merchant account. These range from a Level 1 merchant to a Level 4 merchant. Each card brand has its own definition of levels for the number of transactions for their card brand, with specific compliance requirements for each level, so best to check each of the card brands you accept individually. For Service providers, there are just two levels: level 1 and level 2. This is based on the number of transactions the service provider stores, processes, or transmits annually.