Visa's Commercial Enhanced Data Program (CEDP) took effect on October 17, 2025, replacing the legacy Level 2/Level 3 interchange qualification framework that had governed B2B card payment pricing for decades. The new system uses machine learning to validate enhanced transaction data in real time.
New Qualification Rules
Under CEDP, suppliers submitting verified, accurate invoice data - line items, SKUs, unit prices, tax, and freight - receive a 10-basis-point interchange reduction. Transactions failing ML-based validation are downgraded to higher interchange rates. Some B2B merchants reported cost increases exceeding $500,000 within weeks of the changeover due to compliance failures.
Industry Impact
The change forces B2B payment processors, ERP systems, and accounts payable platforms to overhaul their data submission pipelines. Legacy integrations that passed Level 2/3 qualification under the old rules may fail CEDP's stricter validation. Payment facilitators like Boost, Stripe, and Nuvei have invested heavily in CEDP compliance tools.
What This Means
CEDP is one of the most sweeping changes to B2B interchange qualification in decades. It directly impacts the economics of commercial card acceptance - companies with clean invoice data benefit, while those with poor data quality face materially higher costs. The ML-based approach also signals Visa's direction: algorithmic, real-time rule enforcement replacing static qualification tiers.
Sources: Visa Core Rules, PYMNTS