Save 44-51% on Commercial Card Interchange with Visa CEDP Compliance
Verified merchants pay as low as 1.75%. Non-verified pay up to 2.95%. Find out where you stand before Visa's enforcement deadline.
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What is Visa's Commercial Enhanced Data Program (CEDP)?
Visa's Commercial Enhanced Data Program (CEDP) is transforming how businesses process commercial card transactions. Launched in April 2025, CEDP replaces the legacy Level 2 and Level 3 interchange programs with a new, AI-validated data quality standard.
Verified data accuracy
Machine learning validates the transaction details merchants submit to ensure precision and consistency.
Lower interchange for verified merchants
Merchants classified as Verified access the most competitive interchange rates available through CEDP.
Higher costs for non-compliance
Merchants that do not meet data requirements are categorized as Non-Verified and face significantly higher interchange fees.
A critical opportunity for B2B payments
For corporate, purchasing, and business card processing, CEDP can reduce costs or increase them depending on compliance.
Why do partners and merchants choose Nuvei for CEDP compliance?
Merchants and partners rely on Nuvei’s infrastructure and expertise to optimize interchange and meet CEDP requirements.
- Reduce costs and outperform legacy Level 2 and Level 3 systems
- Increase retention and create new interchange-driven revenue
- Protect verified status and stay ahead of legacy platforms with proactive monitoring
- Maximize savings with differentiated B2B interchange optimization services
What determines verified merchant status under CEDP?
Visa reviews your data quality monthly. To achieve and maintain verified status, you must:
- Submit complete Level 3 data
- Provide accurate product descriptions (no generic entries like "services" or "product")
- Include all required fields: line-item details, quantities, unit costs, tax amounts
- Maintain consistent formatting across transactions
- Pass Visa's machine learning validation checks
Visa CEDP: verified vs non-verified merchant status
Under Visa CEDP, your merchant status determines your interchange costs. Here's what separates verified merchants from non-verified ones:
The real cost of CEDP non-compliance
40%
Higher fees
Non-verified merchants can pay up to 40% more in interchange compared to verified merchants on the same transactions.
45
Days delayed settlement
Non-verified merchants wait up to 45 days for interchange adjustments, while verified merchants receive incentives in real-time.
$0
Savings captured
Without verified status, you forfeit the 0.15% interchange reduction CEDP offers—leaving money on the table with every transaction.
Watch: Visa's CEDP Explained – What you need to know to stay verified
Get the complete breakdown of CEDP requirements, timelines, and optimization strategies from Nuvei's payments experts.
Duration: 45 minutes | On-demand—watch anytime
Learn more about Visa CEDP
Explore what merchants need to know and why clean commercial data unlocks verification, cost savings, and smoother processing.
Don't wait for the deadline. Get your CEDP assessment today.
Our free CEDP assessment analyzes your current data quality, identifies gaps, and shows you exactly what's needed to achieve verified status.
