CEDP
Visa's Commercial Enhanced Data Program (CEDP)
Visa’s Commercial Enhanced Data Program (CEDP) reshapes B2B payments by enforcing stricter data standards. For businesses, it means compliance determines cost savings. For partners, it’s a chance to deliver value, strengthen relationships, and drive growth. Fortis turns compliance into a competitive advantage.
What is CEDP?
CEDP replaces Visa’s previous Level 2 and Level 3 interchange programs with a stricter model that validates the data businesses send with commercial card transactions. Only those who meet Visa’s requirements qualify for reduced interchange and enhanced reporting.
Key Dates
- April 2025 – Program launched; a 0.05% (5 bps) participation fee began applying to eligible transactions
- October 17, 2025 – Full enforcement begins; only verified businesses qualify for Product 3 rates
- April 2026 – Legacy Level 2 programs sunset (fleet/government exceptions remain)
Why it matters
Businesses that meet CEDP requirements qualify for reduced “Product 3” interchange, which can help offset the new 0.05% program fee.
Businesses that don’t comply see more downgrades and delayed adjustments.
Verified status provides cleaner data for reconciliation and decision-making.
Businesses that move quickly protect margins while others face rising costs.
How Fortis helps
Dedicated expertise
Clear updates, best practices, and hands-on support from a team that knows payments inside and out.
Seamless ERP alignment
Integrated with a wide range of AR, ERP, and POS systems.
Continuous monitoring
Tools and reporting reviews to help businesses maintain verified status over time.
Strategic partner programs
Co-marketing, enablement resources, and predictable revenue models for long-term partner success.
FAQs
Visa’s new program for commercial card payments. Businesses that provide complete and accurate data qualify for reduced interchange.
A participation fee that applies to CEDP transactions. Verified businesses offset it with reduced interchange.
Yes. ERP systems often contain the necessary data to ensure consistency and support CEDP readiness.
Only verified businesses qualify for reduced rates. Others face downgrades and higher costs.
Visa reviews your transactions monthly. Fortis helps interpret the reports and supports businesses on a path to verified status.
Visa’s new program for commercial card payments. Businesses that provide complete and accurate data qualify for reduced interchange.
Only verified businesses qualify for reduced rates. Others face downgrades and higher costs.
A participation fee that applies to CEDP transactions. Verified businesses offset it with reduced interchange.
Visa reviews your transactions monthly. Fortis helps interpret the reports and supports businesses on a path to verified status.
Yes. ERP systems often contain the necessary data to ensure consistency and support CEDP readiness.
Turn compliance into confidence.
Don’t wait for enforcement deadlines—protect margins, simplify compliance, and strengthen customer trust with Fortis.
Contact your Fortis representative to learn more.