B2B/B2C Card Processing
Competitive interchange optimization and wholesale-level rates for card-present, online, and mobile transactions.
How this program works
Whether you accept cards at a terminal, online, or on a mobile device, every swipe carries interchange, assessments and processor markup. We benchmark your effective rate against wholesale-level pricing, restructure interchange categories where possible, and renegotiate the processor markup, all without changing your processor or interrupting card acceptance.
Visa's CEDP
Visa's Commercial Enhanced Data Program (CEDP) ensures Level 3 data pass-through for reduced B2B interchange costs. If your transactions don't include full invoice-level data (line items, tax, and remittance details), interchange fees can increase by 0.5% to 1.0%, a preventable leak on every B2B card transaction you accept.
What's included
- Card-present, online and mobile interchange benchmark
- Wholesale-level rate targeting for B2B and B2C flows
- Visa CEDP / Level 3 data enablement
- Interchange category restructuring where applicable
- Processor markup renegotiation, no processor change
Frequently asked questions
Visa's Commercial Enhanced Data Program (CEDP) ensures Level 3 data pass-through for reduced B2B interchange costs. When your transactions don't include full invoice-level data, line items, tax, and remittance details, interchange fees can be 0.5% to 1.0% higher than they need to be.
Almost never. Most of the savings come from optimizing the way your existing terminal / gateway / eCommerce integration transmits data, not from replacing hardware.
No. All optimization happens inside your existing processor relationship. Card-present, card-not-present, online and mobile acceptance continues without interruption.
Other programs in Credit Card & ACH Payment Processing
RelatedFind out what your card processing is really costing you
A free written benchmark, delivered in a few weeks, with no obligation to engage.
Find out what you're overspending on card processing, for free
Start with a free analysis. Within a few weeks you'll have a written benchmark identifying specific savings, with no obligation to engage.
- NDA-protected, free benchmark analysis
- Written Plan of Execution before any work begins
- Performance-based, paid only from delivered savings