B2B/B2C Card Processing
Competitive interchange optimization and wholesale-level rates for card-present, online, and mobile transactions.
How this program works
Whether you accept cards at a terminal, online, or on a mobile device, every swipe carries interchange, assessments and processor markup. We benchmark your effective rate against wholesale-level pricing, restructure interchange categories where possible, and renegotiate the processor markup without interrupting card acceptance. We recommend a processor change only when it saves you more.
Visa's CEDP
Visa's Commercial Enhanced Data Program (CEDP) ensures Level 3 data pass-through for reduced B2B interchange costs. If your transactions don't include full invoice-level data (line items, tax, and remittance details), interchange fees can increase by 0.5% to 1.0%, a preventable leak on every B2B card transaction you accept.
What's included
- Card-present, online and mobile interchange benchmark
- Wholesale-level rate targeting for B2B and B2C flows
- Visa CEDP / Level 3 data enablement
- Interchange category restructuring where applicable
- Processor markup renegotiation; a processor change only when it saves you more
Frequently asked questions
Visa's Commercial Enhanced Data Program (CEDP) ensures Level 3 data pass-through for reduced B2B interchange costs. When your transactions don't include full invoice-level data, line items, tax, and remittance details, interchange fees can be 0.5% to 1.0% higher than they need to be.
Almost never. Most of the savings come from optimizing the way your existing terminal / gateway / eCommerce integration transmits data, not from replacing hardware.
No. All optimization happens inside your existing processor relationship. Card-present, card-not-present, online and mobile acceptance continues without interruption.
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RelatedFind out what your card processing is really costing you
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Start with a free analysis. Within a few weeks you'll see how much you could save in each category, based on your own data, with no obligation to engage.
- NDA-protected, free benchmark analysis
- Detailed Plan of Execution once we're working together
- Performance-based: no savings, no fee