{"id":13649,"date":"2025-10-17T19:51:40","date_gmt":"2025-10-17T19:51:40","guid":{"rendered":"https:\/\/fortispay.com\/?p=13649"},"modified":"2025-10-17T19:54:01","modified_gmt":"2025-10-17T19:54:01","slug":"fortis-on-visas-commercial-enhanced-data-program-cedp-a-new-era-for-b2b-payments","status":"publish","type":"post","link":"https:\/\/fortispay.com\/fortis-on-visas-commercial-enhanced-data-program-cedp-a-new-era-for-b2b-payments\/","title":{"rendered":"Fortis on Visa\u2019s Commercial Enhanced Data Program (CEDP): A New Era for B2B Payments"},"content":{"rendered":"\n<p><strong>As of April 2025, Visa officially launched the Commercial Enhanced Data Program (CEDP), introducing a new model that adds a 0.05% participation fee on eligible B2B U.S. commercial and small business card transactions submitted with Level 2 or Level 3 data for validation\u2014while also reducing interchange rates by 7\u201310% for businesses who consistently submit accurate Level 3 data.<\/strong><\/p>\n\n\n\n<p>This is more than just a rule change. It signals a new era\u2014where data quality isn\u2019t optional; it\u2019s the currency for lowering costs and building trust across the B2B ecosystem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Changed<\/strong>&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Visa will review B2B transactions using advanced validation technology\u00a0<\/strong>to verify data quality. Businesses are classified as Verified or Non-Verified based on data quality.\u00a0<\/li>\n\n\n\n<li><strong>Scope matters:<\/strong>\u00a0CEDP applies to U.S. B2B purchases made with commercial and small business cards\u00a0\u00a0<\/li>\n\n\n\n<li><strong>Level 2 &amp; Level 3 are being phased out\u00a0<\/strong><em>and replaced with\u00a0<\/em><strong><em>Product 3 rates.\u00a0<\/em><\/strong>\n<ul class=\"wp-block-list\">\n<li><em>Level 3 is phased out 10\/17\/25<\/em>\u00a0\u00a0<\/li>\n\n\n\n<li><em>Level 2 is phased out April 2026<\/em>\u00a0<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Verified businesses win big.\u00a0<\/strong>Those consistently providing accurate data qualify for lower interchange\u2014for example, some Product 3 (formerly Level 3) rates move from 1.90% + $0.10 to 1.75% + $0.10\u2014netting an overall 7\u201310% savings after the 0.05% fee.\u00a0<\/li>\n\n\n\n<li><strong>Businesses who don\u2019t adapt\u00a0<\/strong>will see new CEDP line-item fees on their statements but won\u2019t realize the interchange savings\u2014resulting in higher effective costs.\u00a0<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img alt=\"\" decoding=\"async\" src=\"https:\/\/fortispay.com\/wp-content\/uploads\/2025\/10\/Visa-CEDP-1024x492.png\" alt=\"\" class=\"wp-image-12246\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Visa Is Moving in This Direction<\/strong>&nbsp;<\/h2>\n\n\n\n<p>The old Level 2\/3 model rewarded businesses who submitted more detailed transaction data, but quality was inconsistent. Some issuers received clean data; others received partial or error-prone records.&nbsp;<\/p>\n\n\n\n<p>Visa\u2019s answer is to set a higher bar. Auto-populated enhanced data fields that were often inaccurate are no longer supported. Now, only businesses who submit complete, validated data fields qualify.&nbsp;&nbsp;<\/p>\n\n\n\n<p>CEDP aligns cost savings with data accuracy. That means businesses that invest in complete, validated transaction detail now gain both economic and operational advantages.&nbsp;<\/p>\n\n\n\n<p><strong>For businesses, this marks a turning point in B2B payments: smarter data practices directly translate into competitive advantage.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Bigger Picture: B2B Payments Modernization<\/strong>&nbsp;<\/h2>\n\n\n\n<p>CEDP isn\u2019t happening in isolation. It reflects a larger trend:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Businesses demand real-time visibility into spend.\u00a0<\/li>\n\n\n\n<li>Finance leaders want automation in reconciliation and reporting.\u00a0<\/li>\n\n\n\n<li>Suppliers expect smarter controls around purchasing and invoicing.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Visa\u2019s program doesn\u2019t just lower fees for good data\u2014it encourages businesses to modernize their financial infrastructure for the decade ahead.&nbsp;&nbsp;<\/p>\n\n\n\n<p>CEDP is not just about compliance. It\u2019s about building a payments foundation that enables growth, efficiency, and resilience.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Businesses Should Do Now<\/strong>&nbsp;<\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Evaluate your data capture.<\/strong>\u00a0Are you reliably sending invoice numbers, line-item details, and tax information? If not, you\u2019ll lose out.\u00a0<\/li>\n\n\n\n<li><strong>Ask your payments partner how they\u2019re supporting CEDP.<\/strong>\u00a0While other providers stop at compliance, Fortis helps you transform compliance into a growth advantage\u2014automating enhanced data capture so you consistently qualify for the lowest rates and unlock smarter business insights.\u00a0<\/li>\n\n\n\n<li><strong>Monitor your statements.\u00a0<\/strong>Starting April 2025, new CEDP line-item fees will appear on eligible Visa transactions. Make sure your processor is applying reduced interchange correctly, without padding old rates.\u00a0<\/li>\n\n\n\n<li><strong>Think beyond compliance.<\/strong>\u00a0The same data that unlocks lower interchange can also fuel stronger decision-making across finance, procurement, and supplier relationships.\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Fortis Perspective<\/strong>&nbsp;<\/h2>\n\n\n\n<p>At Fortis, we see CEDP as an opportunity\u2014not just to reduce costs, but to modernize how businesses approach payments.<\/p>\n\n\n\n<p>We\u2019ve built integrations that make compliance seamless, automating the capture and validation of enhanced data inside the transaction flow\u2014ensuring our partners and their customers stay ahead.&nbsp; That means reduced manual effort, consistent qualification for the lowest Product 3 rates, and actionable insights that extend far beyond interchange savings.&nbsp;<\/p>\n\n\n\n<p>CEDP is here. Costs are changing. The question isn\u2019t whether your business will have to adopt\u2014it\u2019s whether you\u2019ll treat this shift as a burden or as a chance to strengthen your payments strategy.&nbsp;<\/p>\n\n\n\n<p>We believe it\u2019s the latter. And we\u2019re here to make sure our partners capture every advantage.&nbsp;<\/p>\n\n\n\n<p><em>The future of B2B payments belongs to those who adapt\u2014and Fortis is committed to leading the way.<\/em>&nbsp;<\/p>\n\n\n\n<p><strong>Ready to see how CEDP can benefit your business?<\/strong>&nbsp;<a href=\"https:\/\/fortispay.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Connect with Fortis<\/a>&nbsp;today to learn how we can help you stay compliant, lower costs, and unlock the next level of B2B payments efficiency.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As of April 2025, Visa officially launched the Commercial Enhanced Data Program (CEDP), introducing a new model that adds a 0.05% participation fee on eligible B2B U.S. commercial and small business card transactions submitted with Level 2 or Level 3 data for validation\u2014while also reducing interchange rates by 7\u201310% for businesses who consistently submit accurate [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":13650,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"Unlock your business&#039;s potential with accounts receivable (AR) automation. Explore 5 key strategies to streamline invoicing, payments, and cash flow management.","_seopress_robots_index":"","footnotes":""},"categories":[566,577,567],"tags":[],"class_list":["post-13649","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-featured","category-news-trends"],"acf":[],"_links":{"self":[{"href":"https:\/\/fortispay.com\/wp-json\/wp\/v2\/posts\/13649","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fortispay.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fortispay.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fortispay.com\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/fortispay.com\/wp-json\/wp\/v2\/comments?post=13649"}],"version-history":[{"count":0,"href":"https:\/\/fortispay.com\/wp-json\/wp\/v2\/posts\/13649\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fortispay.com\/wp-json\/wp\/v2\/media\/13650"}],"wp:attachment":[{"href":"https:\/\/fortispay.com\/wp-json\/wp\/v2\/media?parent=13649"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fortispay.com\/wp-json\/wp\/v2\/categories?post=13649"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fortispay.com\/wp-json\/wp\/v2\/tags?post=13649"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}