Effective April 12, 2025, Visa is introducing its new Commercial Enhanced Data Program (CEDP). Here’s everything merchants need to know about the new program, fee changes, and what to expect.
What is Visa’s Commercial Enhanced Data Program?
Visa CEDP is designed for participating merchants who submit Level 3 card data with transactions on US Small Business and Commercial Credit products.
If the data submitted can be validated by VCS (Visa Commercial Solutions), merchants will get an automatic rate reduction on eligible transactions.
New Visa CEDP (Commercial Enhanced Data Program) Fees
All eligible business and commercial transactions that submit Level 3 card data will be assessed a 0.05% participation fee per transaction.
That said, the new interchange fees applied to these transactions are reduced—so your overall costs will still be lower.
Here are the new Visa Commercial Enhanced Data Program (CEDP) rates for eligible commercial products—effective April 12, 2025:
Visa’s new CEDP program will also apply to eligible business credit cards submitting accurate Level 3 card data that can be validated by VCS.
Here are the interchange categories that will be affected and eligible for reduced rates:
Under the new CEDP program, the interchange rates have been reduced by roughly 7-10% depending on the interchange category—with large ticket purchases seeing the most significant rate reduction.
So the 0.05% program participation fee per transaction is marginal, and you’re still coming out on top for eligible transactions.
Are Visa CEDP Fees Negotiable?
Visa’s new Commercial Enhanced Data Program fees are non-negotiable. These are interchange rates set at the card network level by Visa.
Interchange rates and assessment fees are the only two non-negotiable components of credit card processing.
That said, you can negotiate discount rates and markups paid directly to your processor—and there’s often lots of room for savings to be found there.
Identifying Visa CEDP Fees on Your Merchant Statement
Right now, we haven’t seen any Commercial Enhanced Data Program fees on merchant statements because they don’t go into effect for another month.
I’ll update this post in a couple of months to highlight some examples of real statements so you know what to look for.
But in the meantime, any merchant who processes business or commercial card transactions that capture Level 3 data should keep a close eye on their April 2025 statements to ensure the rate reductions are being applied properly.
If not, there’s a chance your processor could still be charging you the old rates and pocketing the difference as an extra profit for themselves. It wouldn’t be the first time we’ve caught a processor applying interchange padding tactics.
We have a detailed guide on how to audit your merchant statement that will help you find the CEDP fees along with other interchange rates, assessments, and important fees that can otherwise be difficult to spot.