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Visa’s Commercial Enhanced Data Program (CEDP) launched in April 2025 to review Level 3 data being sent by merchants to ensure data quality. CEDP aims to improve data quality for commercial card transactions, providing merchants with opportunities for lower interchange rates.
When a merchant populates the fields for Level 3 data, a CEDP flag is attached to the transaction which signals Visa to review the data in the transactions to ensure data quality. Product 3 eligible transactions have an opportunity to receive preferred interchange rates through the lagged interchange process. In this process, Visa will review the transaction 10-15 days after the transaction settles and, if it passes CEDP checks, the preferred interchange rate will be applied.
The CEDP flag is not required for Level 2 transactions and existing criteria remains through April 2026 for Level 2 transactions. These transactions still pay the 5bps CEDP fee (detailed in Pricing below).
CEDP program fee: 5 bps
Fee is charged per transaction when the CEDP flag is present, and the transaction is reviewed by Visa. This fee went into effect April 2025. This fee will be a pass-through scheme fee for IC+ and IC++ merchants. This is also charged for transactions with L2 eligible data (tax).
Revised interchange rates under CEDP went into effect October 2025.
For L3 rates, the transaction must:
Product | Existing IC Program | Existing Rate | New IC Program | New Rate(s) |
|---|---|---|---|---|
Corporate/Purchasing | Commercial Level III | 1.90% + $0.10 | Product 3 | 1.75% + $0.10 |
Corporate/Purchasing | Commercial Product Large Ticket | 1.45% + $35 | Commercial Product Large Ticket | 1.30% + $35 |
If a merchant does not qualify for CEDP rates, they will typically pay Commercial CNP rates: 2.70% + $0.10.
Effective January 24, 2026, Visa is further modifying Small Business Interchange Rates:
Small Business Rates | Level 2 | Product 3 |
|---|---|---|
Tier 1 | 1.90% + $0.10 | 1.75% +$0.10 |
Tier 2 | 2.05% + $0.10 | 1.90% + $0.10 |
Tier 3 | 2.10% + $0.10 | 1.95% + $0.10 |
Tier 4 | 2.20% + $0.10 | 2.05% + $0.10 |
Tier 5 | 2.25% + $0.10 | 2.10% + $0.10 |
Small Business Rates | Level 2 | Product 3 |
|---|---|---|
Tier 1 | 2.65% + $0.10 | 2.40% + $0.10 |
Tier 2 | 2.80% + $0.10 | 2.55% + $0.10 |
Tier 3 | 2.85% + $0.10 | 2.60% + $0.10 |
Tier 4 | 2.95% + $0.10 | 2.70% + $0.10 |
Tier 5 | 3.00% + $0.10 | 2.75% + $0.10 |
Effective April 2026, Level 2 interchange incentives are sunset.
Eligible Card Type for Product 3 Interchange (CEDP): US Domestic Visa Commercial Cards (commonly referred to as “Visa Commercial” in CEDP documentation, which include:
‘Corporate / Purchasing' category is when a corporate or purchasing card is used for the transaction, instead of a business card. There are no spending tiers for corporate and purchase cards.
Small Business: Business Credit (G and G3), Signature Business (G1) and Infinite Business (G4)
Large Ticket: Typically the transaction amount where it is advantageous from an interchange perspective for the merchant to submit the transaction as Large Ticket is approximately $7,756. Maximum amount allowed: $10MM. Applies to Purchasing and Corporate card transactions.
Product 3: new interchange classification replacing ‘Commercial Level III’
The following MCCs are ineligible for interchange incentives under CEDP:
MCC | Description |
|---|---|
3000-3999 | Airlines/Car Rental Companies/Hotels |
4112 | Passenger Railways |
4411 | Steamship and Cruise Lines |
4511 | Airlines and Air Carriers |
4722 | Travel Agencies and Tour Operators |
5812 | Eating Places and Restaurants |
5814 | Fast Food Restaurants |
7011 | Lodging – Hotels, Motels, Resorts, Central Reservation Services |
7512 | Car Rental Agencies |