The Visa Commercial Interchange Shake-Up is Already Impacting Your Bottom Line.
Verisave Can Pinpoint Your Exposure and Protect Your Revenue.
Visa's CEDP program is designed to prevent fraud in business-to-business credit card transactions … but its new data requirements will prevent most businesses from maintaining Level 2 and Level 3 rate discounts. The cost increase is significant.
Take 15 minutes and get a comprehensive action plan.
The Problem:
If you have been achieving Level 2 and Level 3 processing on B2B transactions, you have been enjoying heavily discounted interchange fees … until now
Visa's Commercial Enhanced Data Program (CEDP) makes strict requirements on the data needed to qualify for these lower rates
Most businesses will not be able to comply at scale: their ERP system and their payment gateway do not communicate in a way that passes the proper data
A 0.05% participation fee is being levied on L2 and L3 transactions whether or not you are compliant
Your processor is not equipped to solve this problem for you
The Solution
To protect your revenue, you must assess your risk, determine your level of compliance, and resolve non-compliant transaction data. This is difficult, but Verisave can help.
Jeremy Layton
CEO and Founder
Founded Verisave in 2001. Transformed AP audit expertise into America's leading merchant account optimization firm.
Kent Low
COO and Implementation Lead
Architect of client savings. Navigates complex processor landscapes to deliver industry-leading fee reductions.
Bryan Auernig
VP Sales and Strategic Partnerships
Drives strategic growth through client solutions and PE partnerships. Expert in payment optimization strategies.
Brandon Ayers
Head of Analysis
Uncovers hidden fees in merchant statements. Delivers transparent reporting that empowers informed decisions.
Ethan Lawless
Client Experience Lead
Champions client success post-implementation. Ensures continuous optimization in an ever-changing industry.
Joe Wise
Head of Marketing
Educates the market on payment complexities. Transforms client wins into industry insights.
Jeremy Layton
CEO and Founder
Founded Verisave in 2001. Transformed AP audit expertise into America's leading merchant account optimization firm.
Kent Low
COO and Implementation Lead
Architect of client savings. Navigates complex processor landscapes to deliver industry-leading fee reductions.
Bryan Auernig
VP Sales and Strategic Partnerships
Drives strategic growth through client solutions and PE partnerships. Expert in payment optimization strategies.
Brandon Ayers
Head of Analysis
Uncovers hidden fees in merchant statements. Delivers transparent reporting that empowers informed decisions.
Ethan Lawless
Client Experience Lead
Champions client success post-implementation. Ensures continuous optimization in an ever-changing industry.
Joe Wise
Head of Marketing
Educates the market on payment complexities. Transforms client wins into industry insights.
Our merchant account experts can formulate a risk assessment, and produce an action plan for your business designed to protect your revenue. We just need 15 minutes to get started.
Evaluate exposure
Get a comprehensive action plan
Minimal time investment from your team
No upfront costs
We do not charge any upfront fees for this. You only pay us if we secure measurable savings for you. Take 15 minutes and get a comprehensive action plan.
Compliant Data: Connecting Your ERP to Your Gateway
To achieve data compliance under Visa's new program, you must pass all required data fields accurately. Doing this manually would be a nightmare. Doing it automatically requires a custom middleware solution that passes accurate information from your ERP to your Gateway on a transaction-by-transaction level. See our step-by-step CEDP implementation process for how this typically comes together in 45-60 days.
Verisave will work with your processor, your gateway, and your ERP to make this happen. And if the custom solution isn't a good fit for you, we will work to offset these costs elsewhere in your merchant account.
Estimating Your Risk
The level of risk for these businesses depends on current processing volume, in Visa B2B government, commercial, and fleet transactions. Below is a chart giving some approximated risk amounts:
| Monthly Transaction 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 |
To pinpoint your exact risk, we'll need to dive into the details of your B2B transactions and determine your level of compliance. The Verisave team does the heavy lifting. Want a number first? Use our CEDP cost impact calculator to see your monthly fee exposure based on your transaction volume. Let's get started today.
Take 15 minutes to pinpoint your exposure.
Everything You Need to Know About CEDP
To learn more about Visa's CEDP program and the effects it will have on your business, read our full write-up, or see the complete October 17 compliance timeline. Or download our comprehensive guide:
Free download - requires name, company, email, and phone
Common Questions About
Level 2 & 3 Optimization