IQCS specializes in credit card processing for B2B companies. Our client list includes manufacturers, suppliers and distributors because we offer the widest array of solutions designed for B2B businesses. We look to increase productivity as well as qualifying for the lowest interchange rates. Here we’ll lay out how IQCS can help you qualify for the lowest rates when accepting commercial credit cards.
CEDP: Commercial Enhanced Data Program
Visa launched the CEDP program in 2025, requiring merchants to provide unique and specific data on each transaction when processing commercial credit cards. Unlike consumer credit and most debit cards, whose interchange rates depend on if you process EMV or key entry, commercial cards have additional levels based on the data entered. Essentially, the more data you enter, the lower the rate.
The purpose of the CEDP program is data…information about services or products purchased with their cards. In exchange, Visa (and MasterCard) provide access to lower interchange rates.
For over a decade, advanced gateways included the capability to auto-populate this data to access lower rates with “dummy” data. The CEDP program seeks to end this practice.
…About Products You Sell
Visa wants information about what you sell, how much of it you sold, and the location of where it shipped to.
IQCS has the gateways that make this easy.
Customer AVS and card data stored securely & PCI compliant
Pre-load product line items
Select from drop down list, prioritized for ease
VISA's CEDP Program
Cost Savings for Extra Data
Visa understands that this data will take extra work, and they are generously compensating merchants who comply. The CEDP program is making several changes:
Lowering existing Level 3 rates.
NEW Level 3 rates for all Small Business Credit
Eliminating Level 2 (effective April 2026)
Multi-Level Qualification
There is more than one way to qualify for Level 3. While providing your own data reaps the most benefits, IQCS provides a dual solution:
Gateway Qualification
Network-end Qualification
If you miss a transaction on the front end, we ensure that every transaction qualifies on the back end.
VISA's CEDP Program
Visa Small Business Credit
Up to 0% Lower
VISA's CEDP Program
Visa Purchasing & Corporate
0% Lower
0% Lower
VISA's CEDP Program
Non-Verification = Higher Costs
Visa will be employing new technology that allows them to verify whether each merchant is provide unique and specific data to their transactions.
Failure to provide data will increase costs.
Not every transaction needs to be perfect, but consistent issues will place you into “Non-Verified” status. You may appeal to Visa, but the process to clear your name will be costly and time-consuming.
IQCS Has The Solutions
IQCS has been solving Level 3 processing for over 14 years. Our unique approach allows us to access every processing platform and VT/Gateway solutions to find the one that best suits your style of doing business.
