Visa CEDP: the Commercial Enhanced Data Program for B2B card payments

What Visa CEDP is

In the U.S., Visa has replaced its separate Level 2 and Level 3 programs for commercial cards with the Commercial Enhanced Data Program. Merchants still send enhanced data with each payment: line items, tax, freight, unit of measure, product codes, ship-to ZIP and customer code. CEDP grades that data, and only payments that pass get the lower commercial rate.

Visa doesn't publish the grading criteria. The rate qualification guide goes to acquirers under contract, so every public list of "CEDP required fields", the one on this page included, is a processor's or integrator's reading of it. Mastercard has no CEDP: it kept its Data Rate I, II and III programs, which still qualify payment by payment on the fields sent.

The April 18, 2026 Visa rates

Visa's U.S. interchange schedule effective April 18, 2026 prices commercial cards like this. Rates change twice a year, so check the current schedule with your acquirer.

On Corporate and Purchasing cards, Product 3 sits 1.20 percentage points below Non-Qualified, and there is no Level 2 row left except for fleet fuel. Business cards are the odd case: Business Product 2 is printed below Business Product 3, so ask your acquirer which row your Business card volume settles in before assuming Level 2 is gone for you too.

Why partial data no longer helps

"Non-Qualified with Data" and "Non-Qualified" are the same price. Under the old program some processors gave partial credit for partial data; under CEDP, data that fails validation earns nothing.

• The arithmetic has to work to the cent. Quantity times unit cost across the lines, plus tax and freight, minus discounts, must equal the authorized amount. ERPs often store unit prices to four or more decimals and round at the invoice total, which is where one-cent failures come from.
• The failure is silent. Authorization can approve perfectly while the enhanced data fails at settlement, where the rate is decided. The sale goes through; the rate quietly falls to Non-Qualified.
• Amounts must match. Freight added after authorization, partial captures and incremental authorizations can break the arithmetic and the authorization match at the same time.

The ERP fields that break most often

Most CEDP failures in ERP-integrated B2B come from a handful of fields:

• Generic line descriptions. "Item", "Invoice" or the merchant's name, when the connector sums an invoice into one line.
• Unit of measure hardcoded to "EA". Not mapped from the ERP's own units.
• No commodity code. Visa requires one per line; Mastercard doesn't. No ERP stores it natively, so it needs a mapping.
• Tax sent as zero. Tax-exempt B2B invoices need the tax-exempt indicator, not a zero amount.
• One ship-from ZIP for every warehouse, and freight on the invoice but missing from the payment.
• Long invoices cut short. Gateways commonly cap line items at 98 or 99, which breaks the arithmetic on longer invoices.

How Payment Hub sends CEDP data from your ERP

Payment Hub builds the enhanced data from the real invoice or sales order lines at the moment of payment, not from a typed summary.

• Lines from the ERP. Product codes, descriptions, quantities, units, unit prices, tax, freight and ship-to come from the invoice through Clarity Connect.
• Mapped once, applied every time. Your ERP's units of measure are mapped to the networks' codes, and product categories to commodity codes, at setup.
• Checked before it's sent. Line totals are reconciled to the header total before submission, so a mismatch is flagged instead of discovered on the statement.
• Reported after. Every payment shows the interchange category it settled in, by the networks' own names, with downgrade reasons.

More on the data itself is on Level 3 credit card processing, and how it works with each ERP is on the ERP payment processing page.

How to check you're getting the rate

• Be on interchange-plus pricing. On flat-rate pricing the difference never reaches you, and on tiered pricing you can't see which category a payment settled in.
• Get the interchange qualification detail, not the monthly summary, and look for the category names: Commercial Product 3 and Business Product 3 are good; Non-Qualified and Non-Qualified with Data are not.
• Measure by card type. Track the share of Corporate and Purchasing volume settling in Product 3 separately from Business cards.
• Ask your processor in writing for your CEDP merchant status and the validation error codes from the last 90 days.
• Re-check after every ERP or connector upgrade. Breakage after an upgrade is silent.