Fiserv Merchants: Achieve Visa CEDP Compliance Without Switching Processors
Visa's CEDP program changes how Fiserv processes B2B transactions. Download our compliance toolkit to understand requirements, identify risk exposure, and learn how to protect your interchange rates — all while staying with Fiserv.
CEDP Changed Everything for B2B Merchants
The system replaced Level 2 and Level 3 with AI-powered validation that detects missing data fields instantly.
Visa's AI validation checks all 17 required fields in real-time. Misconfigurations in your merchant account mean you pay 0.45-0.80% more per transaction—unnecessary fees that accumulate monthly.
Payment gateways weren't built to pull CEDP data from ERPs. Processors can't fix this gap. The system leaves merchants exposed to penalties they don't even know exist.
Step 1: Assess Your Risk
Is Fiserv putting you at risk for CEDP non-compliance?
You Are at HIGH RISK If:
- You initiate payments directly into the Fiserv gateway
- Your customers enter payment information through a Fiserv payment link
- You don't have an integration between your ERP/invoicing system and Fiserv
Why this matters: Most Fiserv merchants lack proper ERP integrations, putting them at risk for Unverified Merchant status and higher fees.
Review Your Fiserv Billing
- 1Pull your 24-month Fiserv merchant statement history
- 2Compare fees from before vs. after January 2025
- 3Look for the new Product 3 data service fee (10 bps)
Note: You may be charged for CEDP data services — regardless of whether the data is actually compliant.
Step 2: Calculate Your Exposure
What happens if you're flagged by Visa's CEDP audit?
| Monthly Volume | 100% B2B | 75% B2B | 50% B2B | 25% B2B |
|---|---|---|---|---|
| $100k | $450 | $338 | $225 | $113 |
| $500k | $2,250 | $1,688 | $1,125 | $563 |
| $1M | $4,500 | $3,375 | $2,250 | $1,125 |
| $10M | $45,000 | $33,750 | $22,500 | $11,250 |
| $100M | $450,000 | $337,500 | $225,000 | $112,500 |
Real-world example: For one Fiserv client, Verisave identified a potential $300,000 per month fee increase — which they avoided by updating their workflow properly.
Step 3: The Solution
You don't need to abandon Fiserv. You need to use it correctly.
The Integration Fix
- Connect your ERP directly to Fiserv
- Real transaction data flows automatically
- Visa CEDP requirements verified
What Verisave Provides
- Compliance gap evaluation
- ERP-to-Fiserv integration
- Full coordination with your team and providers
- Authentic data verification
The Result
- Keep Product 3 discounted rates
- Keep Fiserv and your processor
- True CEDP compliance achieved
- No 10–33% fee increase risk
How It Works
Send Us a Statement
Upload your Fiserv merchant statement so we can review your current setup and fees.
We Assess & Integrate
We identify compliance gaps and build the integration fix between your ERP and Fiserv.
Stay Compliant
Maintain Product 3 rates with verified, authentic data flowing correctly through your gateway.
Trusted by B2B Merchants
Real testimonials from business leaders who reduced their credit card processing fees without operational disruption
Years Experience
Clients Served
Savings Identified
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Don't Wait for Visa's Audit to Find You
The cost of inaction is substantial. Every month you delay puts you at greater risk of being flagged as an Unverified Merchant.
Visa's audit processes are actively identifying non-compliant merchants
Once flagged, interchange increases are immediate and automatic
Fiserv processing configurations require immediate CEDP verification
No-cost, no-obligation assessment of your Fiserv setup and CEDP compliance.
Download Free CEDP Compliance WorkbookContact Us
Ready to reduce your credit card processing fees? Contact us for a free consultation and see how much you can save.