Your Processor Is
Not Telling You
What This Costs You
Visa’s Commercial Enhanced Data Program has been changing B2B interchange rates since October 2025.
Most merchants have no idea whether they’re verified, non-verified, or quietly losing money every month.
Their processors aren’t saying a word.
April 17, 2026 Deadline: The old Visa Level 2 interchange program is being eliminated entirely. If your processor has not transitioned your account to CEDP Product 3 compliance, your rates will increase automatically, with no warning.
The Biggest Change to Commercial Card Rates in Years
Visa’s Commercial Enhanced Data Program (CEDP) launched in April 2025. It replaces the old Level 2 and Level 3 interchange programs for B2B and B2G transactions, and it rewards merchants with significantly lower rates when their transaction data meets Visa’s new standards.
The problem: achieving those lower rates requires your processor to submit complete, accurate, invoice-quality transaction data on every commercial card transaction. Most processors are not doing this correctly. They have no financial incentive to, you pay the difference.
Merchants who are CEDP-verified receive the best rates immediately. Merchants who are non-verified pay more, and Visa can even claw back interchange discounts up to 45 days after settlement if data errors are found. Most merchants never even know it happened.
Key Dates You Need to Know
What CEDP Compliance Is Actually Worth
These are the actual Visa interchange rates. The difference between what non-compliant merchants pay and what verified merchants pay is significant, and it compounds with every transaction.
| Card Type | Standard Rate (Non-Compliant) | CEDP Product 3 Rate | Savings per Transaction |
|---|---|---|---|
| Corporate Card | 2.70% + $0.10 | 1.75% + $0.10 | 0.95% |
| Purchasing Card | 2.70% + $0.10 | 1.75% + $0.10 | 0.95% |
| Business Card, Tier 1 | 2.65% + $0.10 | 1.75% + $0.10 | 0.90% |
| Business Card, Tier 3 | 2.85% + $0.10 | 1.95% + $0.10 | 0.90% |
| Business Card, Tier 5 | 3.00% + $0.10 | 2.10% + $0.10 | 0.90% |
| Large Ticket (Corp/Purch) | 1.65% + $49.00 | 1.30% + $35.00 | 0.35% + $14/txn |
Four Reasons Your Processor Isn’t Fixing This
CEDP compliance requires your processor to submit the right data correctly, consistently, on every qualifying transaction. Most aren’t doing it, and here is why they never will on their own.
They Profit from Your Non-Compliance
When your transactions downgrade to higher interchange tiers, the extra cost comes out of your pocket, not theirs. Processors keep their spread regardless. There is no financial incentive for them to fix it.
The 90% Verification Threshold Is Relentless
Visa requires 90% of your commercial card transactions to pass CEDP data validation every single month. One bad month and you drop back to non-verified, with delayed or lost incentives.
The Arithmetic Must Be Perfect
Every transaction payload must pass Visa’s math check: Unit Qty × Unit Amount + Tax + Shipping = Total Authorization Amount. A flat tax rate or rounded figure fails. Over 100 error codes can disqualify a transaction.
Clawbacks Happen in Silence
Visa can reclassify transactions and recover interchange discounts up to 45 days after settlement. These adjustments rarely appear on statements in any obvious way. Most merchants never know the money was taken back.
We Are the Only Party in This That’s Actually on Your Side
Visa won’t call you. Your processor won’t tell you. weAudit exists for one reason, to find everything your processor is costing you and get it back.
CEDP Status Audit
We review your statements to determine whether your processor is submitting CEDP-compliant data correctly, and whether you are verified, non-verified, or being penalized without knowing it.
Rate Recovery Analysis
We identify every transaction that should have qualified for Product 3 rates but didn’t, and calculate exactly how much you’ve overpaid since October 2025.
Clawback Detection
We examine your settlement history for unexplained interchange adjustments, the silent clawbacks most merchants never notice. If Visa has taken money back, we find it.
April 2026 Compliance Review
With Level 2 programs expiring April 17, we assess your current setup and give you a clear picture of what your processor needs to do before the deadline.
Full Processing Audit
CEDP is one part of what we find. Our full audit covers every fee category, hidden markups, phantom fees, excessive surcharges, and processor overbilling unrelated to CEDP.
No Risk, Fixed Fee
weAudit charges a low fixed monthly fee based on your processing volume, not a percentage of what we recover. Most clients describe our fee as remarkably low compared to what we find.
How Much Could CEDP Non-Compliance Be Costing You?
Enter your approximate B2B card processing volume to see what CEDP compliance could mean for your business.
Quick Savings Estimate
Based on Visa’s published CEDP Product 3 interchange rates vs. standard commercial card rates.
America’s #1 Credit Card Processing Auditing Firm
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More Than a Decade as an Executive at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments, the world’s largest card processorOur founder spent years inside the industry. He knows exactly how processors structure fees to maximize their revenue at your expense, because he helped build those systems.
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We Work for You, Not the ProcessorEvery other party in the payment chain profits when you overpay. weAudit charges a low fixed fee and gets paid the same whether we find $5,000 or $500,000. Our only incentive is finding everything.
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No Disruption to Your OperationsAn audit requires your statements, not access to your systems. Transitioning to better rates is almost always administrative. Most clients are fully transitioned within days with zero operational impact.
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We Do This Every DayweAudit has reviewed hundreds of merchant processing agreements across every industry. We know what normal looks like and we know what abuse looks like. CEDP is one chapter of a much larger story.
Find Out What Your Processor Has Been Keeping from You
A free audit review starts with your most recent processing statement. We will tell you exactly where the money is going, and what we can recover.