CEDP Explained

Beginning October 17, 2025, in order to qualify for a lower interchange rate, business-to-business (B2B) and business-to-government (B2G) merchants will have to comply with Visa’s new Commercial Enhanced Data Program (CEDP) requirements. CEDP’s goals are to reduce fraud and reward merchants for the accuracy of the enhanced data they submit with every transaction. Visa now refers to Level 3 enhanced data as Product 3 data.

What this means for Level 2 and Level 3 transaction processing

Major revisions are coming to Visa's interchange qualification levels. The objective of the next CEDP phase is to motivate retailers to supply full and precise enhanced transaction information, specifically for B2B and B2G sales to qualify for interchange incentives through Product 3. Visa will check these purchases against the submitted data and assign a quality rating (verified or non-verified) to the merchants based on their historical track record of data quality.

What North is doing to comply

We have multiple solutions that have been certified to pass enhanced data and help your prospective merchants leverage the power of EPX, our proprietary processor, to qualify for Visa’s Product 3 interchange incentives.

• Payments Hub Virtual Terminal — allows merchants to enter enhanced processing data to share with Visa for verification to qualify for lower interchange rates
• PayTrace’s Product List Feature — automatically updates each transaction with the necessary information required to be considered for Product 3 interchange incentives (the majority of PayTrace merchants are already CEDP verified)
• Full-featured APIs — also available to support CEDP enhanced data requirements

By utilizing the above solutions, North merchants will be perfectly positioned to protect their profits, while meeting the new data requirements of a post-CEDP world.

For more details, contact North at 1.888.229.5229.