Visa Added 0.05% to Every B2B Transaction
October 17, 2025: Full enforcement begins. Non-verified merchants face 10–15 day settlement delays. Get your free compliance audit today.
Visa's Changes Are Already Costing You Money
Every day without verified status means higher costs and cash flow delays
Starting April 12, 2025, Visa implemented a new 0.05% fee on all B2B transactions. While this may seem small, it adds up quickly—and the October 17 enforcement deadline brings even bigger challenges with settlement delays and lost access to discounted rates.
0.05% New Fee
On $1M monthly B2B volume, that's $500/month or $6,000 annually
90-Day Wait
Visa verification takes up to 90 days from first compliant submission
15-Day Delays
Non-verified merchants wait 10-15 days for rate adjustments (TC20)
Calculate Your Visa B2B Impact & Savings Opportunity
Upload your statement to see both compliance costs and potential savings
New Interchange Rates Effective October 17, 2025
Verified merchants get immediate access to these reduced rates
Product 3 rates offer significant discounts for merchants who submit complete Level 3 data. The difference between standard and Product 3 rates can save your business 15-20 basis points on every commercial transaction—but only if you're verified by October 17.
| Card Type | Current Rate | Product 3 Rate | Your Savings |
|---|---|---|---|
| Corporate Credit | 1.90% + $0.10 | 1.75% + $0.10 | 0.15% |
| Purchasing Credit | 1.90% + $0.10 | 1.75% + $0.10 | 0.15% |
| Large Ticket | 1.45% + $35 | 1.30% + $35 | 0.15% |
While You're Ensuring Compliance, We Find Hidden Savings
During comprehensive fee audits, we've helped businesses recover significant overcharges
Our 25 years of experience means we know exactly where processors hide fees. While ensuring your Visa compliance, we perform a complete audit that typically uncovers 20-60 basis points in savings—far exceeding the new 0.05% CEDP fee.
Dallas professional services firm—comprehensive account optimization
Healthcare network with 47 locations—multi-processor optimization
Technology company—enterprise-wide fee reduction
Note: These savings resulted from comprehensive account optimization, not just compliance. Your audit includes both.
11+ Data Fields Required for Every B2B Transaction
One missing field = lost discounts. Visa's AI validates everything.
Visa's new AI-powered validation system checks every transaction for data completeness and accuracy. Missing even one required field means your transaction gets downgraded to standard rates, costing you 15-30 basis points per transaction. Here's exactly what you need to submit:
Core Transaction Data
- Purchase Identifier (unique, no placeholders)
- Sales Tax Amount (0 if exempt)
- Destination Postal Code (ISO 3166-1)
- Order Date (YYYY-MM-DD format)
- Customer Reference Number
Line Item Details
- Item Description (clear, specific)
- Quantity (numeric only)
- Unit Price (two decimal places)
- Item Commodity Code
- Freight/Duty amounts
October 17, 2025: Full Enforcement Begins
The timeline below shows Visa's phased rollout. With verification taking up to 90 days, starting today is critical to avoid October's enforcement penalties.
April 12, 2025
0.05% fee began, automatic Level 2 inclusion
October 17, 2025
New rates active, verification required
April 17, 2026
Level 2 programs sunset (data still required)
Verification Takes 90 Days
Start now or risk being non-verified when enforcement begins. Non-verified merchants face 10-15 day settlement delays and lose access to Product 3 rates.
Quick Answers About
Visa's B2B Changes
Contact Us
Ready to reduce your credit card processing fees? Contact us for a free consultation and see how much you can save.
Turn Visa's Requirements Into Your Advantage
Get verified while uncovering processing savings that far exceed compliance costs. No upfront payment, no risks.