Visa CEDP Knowledge-Base
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Deep dive into Visa's commercial interchange changes and Product 3 requirements
Visa Changed the Rules on B2B Processing Fees
Most businesses are paying more and waiting longer to get paid. See how much this change could cost you.
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Visa's CEDP Has Changed B2B Payment Processing
It comes with a significant cost to merchants
The old system is gone. Visa now requires perfect transaction data or your processing fees go up instantly.
Visa's AI checks every transaction. One mistake triggers higher fees and penalties you can't avoid.
Visa now charges a new fee on every business transaction. Everyone pays it, no exceptions.
Without compliance, you pay higher fees on every sale and wait 2 weeks longer to get paid.
Critical Deadlines
Three dates that determine your processing costs
Active Now
April 12, 2025
New 0.05% fee on every business transaction
Active Now
October 17, 2025
Stricter data requirements now enforced
3.5 Months
April 18, 2026
Final deadline for compliance
Avoid CEDP Penalties: What You Must Know
Everything you need to understand and navigate Visa's Commercial Enhanced Data Program
What is CEDP?
CEDP is Visa's Commercial Enhanced Data Program — their new system for B2B credit card processing. Visa eliminated traditional Level 2 and Level 3 rates. Your new B2B processing rates depend on how well you send transaction details to Visa.
THEN
Before October 2025
✓Basic invoice number
✓Generic field values
—Missing details ignored
Still qualified for lower rates ✓
NOW
After October 2025
✓Real customer names
✓Accurate tax amounts
✓Detailed line items
✓Complete shipping info
AI verifies every field in real-time
⚠️ The Hidden Problem
Your processor says you're compliant, but data gets lost between your billing system and payment gateway. Visa's AI catches this and you pay higher fees without knowing why.
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Expert Resources to Master CEDP Compliance
Access our complete library of CEDP compliance resources and implementation guides
Avoid CEDP Penalties: What You Must Know
Everything you need to understand and navigate Visa's Commercial Enhanced Data Program
What is CEDP?
Visa's Commercial Enhanced Data Program (CEDP) fundamentally changes how B2B card payments are qualified, validated, and priced. The program replaces the legacy Level 2 and Level 3 interchange structures with a data-driven model that rewards accuracy and transparency.
Key Changes Effective October 17, 2025:
- Level 2 & 3 programs consolidated as Product 3 interchange
- New 0.05% participation fee on all Level 2/3 transactions
- Strict data requirements subject to Visa's AI-assisted audits
- Merchant verification status determines rate access and settlement timing
CEDP replaces the Large Ticket/Level III interchange tables that previously provided the lowest published rates for qualifying commercial card transactions. Under CEDP, rate qualification now depends on three key factors:
1
CEDP Participation
Additional 0.05% fee on every submitted transaction
2
Data Quality
All required fields accurately formatted and transmitted
3
Verification Status
Consistent support of enhanced data standards over time
How Verisave Eliminates Your CEDP Risk
Backed by 25 years of interchange expertise, Verisave will pinpoint your CEDP risk and develop a rock-solid action plan for achieving and maintaining Visa Verified Merchant status.
$0
Upfront Cost
Complete analysis and savings benchmark before any commitment
240+
Gateway Integrations
Works with your existing payment processing platform
100%
Compliance Guarantee
If we don't maintain CEDP compliance, you pay nothing
Other Solutions
Auto-fill and dummy data approaches
Rely on placeholder values and generic data
Get flagged by Visa's AI-powered audits
No guarantee of verified merchant status
Processors retreat from CEDP complexity
Result:Higher Risk
Guaranteed Compliance
Verisave Connect
True CEDP compliance solution
Works with existing gateway and ERP
Automated compliant data transmission
Built for Visa's AI audit standards
Guaranteed verified merchant status
Result:100% Compliant
CEDP Compliance Questions?
Get expert answers to the most common questions about Visa's Commercial Enhanced Data Program.
Stop Overpaying on Every B2B Transaction
Our experts will analyze your processing setup and create a personalized compliance roadmap—at no cost.
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Personalized CEDP compliance roadmap
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