Sell to other businesses? You're probably overpaying interchange.
Commercial, corporate and purchasing cards carry the highest interchange by default. Pass the right transaction data and those rates drop hard, but most B2B sellers never set it up, and Visa's 2026 changes made it matter more than ever.
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What B2B and wholesale sellers are up against
Commercial cards cost more by default
When your customers pay with a business, corporate or purchasing card, the default interchange is the highest there is. Sell B2B and you feel it on every invoice.
Visa's CEDP shift changed the rules
Visa replaced its old Level 2 and Level 3 discounts with the Commercial Enhanced Data Program. Your rate now depends on submitting complete, accurate data and earning "verified" status, and a lot of B2B merchants got quietly downgraded when it took effect.
Big invoices, big fees
A percentage on a $25,000 invoice is hundreds of dollars per transaction. At B2B ticket sizes the wrong rate is not a rounding error.
The data has to actually pass
Level 3 / CEDP savings only land if your gateway sends the line-item detail, tax and customer data correctly on every sale. Most setups don't, so the discount is left on the table.
The program fit
Interchange plus
Details →See the wholesale cost and a small disclosed markup, the only pricing where Level 3 / CEDP savings actually reach you instead of padding a processor's flat rate.
ACH and eCheck
Details →On your largest invoices a flat bank-to-bank fee beats any card percentage. We route the big ones to ACH and optimize the rest as cards.
Virtual terminal & gateway
Details →A gateway set up to pass Level 3 / CEDP enhanced data automatically, plus card-on-file and keyed payments for phone and invoice orders.
The systems we'd quote
Virtual terminal
Details →Key in phone orders, store a card on file for net-terms customers, and pass the enhanced data that earns the lower commercial-card rate.
Invoicing & payment links
Details →Email or text an invoice that pays in a tap, with the Level 3 data riding along so the transaction qualifies.
ACH for large invoices
Details →Bank-to-bank settlement for your biggest tickets, where a flat fee saves the most.
Fair questions
What are Level 2 and Level 3 data, and why do they save money?
They're extra transaction details (tax amount, customer code, and line-item info like quantity and unit price) that business and corporate cards reward with lower interchange. Pass the data correctly and a B2B sale costs you meaningfully less.
What changed with Visa's CEDP in 2026?
Visa retired the old Level 2 and Level 3 programs and replaced them with the Commercial Enhanced Data Program. Rates now hinge on submitting complete, accurate data and being "verified." Merchants who aren't set up for it lost the savings, often without realizing it.
How do I know if I'm overpaying on B2B cards?
Your statement shows it. We read how much of your volume is commercial-card and whether your processor is passing enhanced data and qualifying for the lower rate. Most B2B merchants we review are not.
Do I need a special gateway or processor?
You need one that supports and automates Level 3 / CEDP data, which not all do. We set up the account and gateway so the data passes on every sale, and confirm you're verified.
Should large invoices go on card or ACH?
The biggest usually go on ACH, where a flat fee beats a percentage. The rest run as cards optimized for the commercial-card rate. We split it so each invoice settles the cheapest correct way.
What's the real saving for a B2B seller?
It depends on your commercial-card mix, but verified CEDP can run 30-plus basis points better than non-verified, which at $1M a month in B2B card volume is over $3,000 a month. Send one statement and we'll show you your actual number.
Stop overpaying on every business-card sale.
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