Visa CEDP: What Commercial Payment Programs Need to Know Before Rates Shift

Mon, 9 Feb 2026 14:00:00 GMT

Visa’s Commercial Enhanced Data Program (CEDP) replaces Level 2 and Level 3 interchange with real-time data validation that can materially impact Commercial Card acceptance costs starting in 2026. This whitepaper breaks down how qualification, merchant verification and data quality now determine pricing and where gaps could lead to higher interchange and delayed adjustments across the payments ecosystem.

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Visa CEDP: What Commercial Payment Programs Need to Know Before Rates Shift