If you use the PayTrace Gateway, your Visa Product 3 data is being auto-filled and will not pass Visa CEDP audits. This puts you at risk for Unverified Merchant Status with Visa, and an immediate and substantial processing fee increase.
But you don't have to stop using PayTrace: you simply need to change how you're using it. We can help.
PayTrace began using randomized data to simulate CEDP compliance
of PayTrace clients lack proper ERP integrations
interchange fee increase when flagged as Unverified Merchant
Step 1: Assess Your Risk
Is PayTrace putting you at risk for CEDP non-compliance?
You Are at HIGH RISK If:
- You initiate payments directly into the PayTrace gateway
- Your customers enter payment information through a PayTrace payment link
- You don’t have an integration between your ERP/invoicing system and PayTrace
Why this matters: ~95% of PayTrace clients lack proper integrations, putting nearly all users at risk for Unverified Merchant status.
Review Your PayTrace Billing
- 1Pull your 24-month PayTrace debit history
- 2Compare fees from before vs. after January 2025
- 3Look for the new Product 3 data service fee (10 bps)
Note: PayTrace now charges for this service — 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 PayTrace 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 PayTrace. You need to use it correctly.
The Integration Fix
- Connect your ERP directly to PayTrace
- Real transaction data flows automatically
- Visa CEDP requirements verified
What Verisave Provides
- Compliance gap evaluation
- ERP-to-PayTrace integration
- Full coordination with your team and providers
- Authentic data verification
The Result
- Keep Product 3 discounted rates
- Keep PayTrace and your processor
- True CEDP compliance achieved
- No 10–33% fee increase risk
How It Works
Send Us a Statement
Upload your PayTrace 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 PayTrace.
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
No upfront feesFull transparencyExpert analysis
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
PayTrace processing configurations require immediate CEDP verification
No-cost, no-obligation assessment of your PayTrace 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.