Sell to other businesses? You are likely paying too much interchange.
Business, corporate and purchasing cards carry the highest interchange by default. Send the right sale data and those rates drop hard. Most B2B sellers never set that up. Visa's 2026 changes made it matter even more.
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What B2B and wholesale sellers are up against
Commercial cards cost more by default
A business or corporate card carries the highest interchange there is. A purchasing card does too. Sell B2B and you feel it on every invoice.
Visa's CEDP shift changed the rules
Visa dropped its old Level 2 and Level 3 discounts. In their place is the Commercial Enhanced Data Program. Your rate now rests on sending full, correct data and earning "verified" status. A lot of B2B sellers 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 and CEDP savings only land if your gateway sends the right data on every sale. That means line items, tax and customer code. Most setups do not. So the discount is left on the table.
The program fit
Interchange plus
Details →You see the wholesale cost and a small disclosed markup. It is the only pricing where Level 3 / CEDP savings reach you. On a flat rate they just pad the processor.
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 that sends Level 3 / CEDP data on its own. It also keeps a card on file and takes keyed payments for phone and invoice orders.
The systems we'd quote
Virtual terminal
Details →Key in phone orders. Keep a card on file for net-terms buyers. Send the extra data that earns the lower business-card rate.
Invoicing & payment links
Details →Email or text an invoice that pays in one tap. The Level 3 data rides along, so the sale qualifies.
ACH for large invoices
Details →Bank to bank on your biggest tickets. That is where a flat fee saves the most.
Fair questions
What are Level 2 and Level 3 data, and why do they save money?
They are extra details about the sale. Tax amount, customer code, and line items like count and unit price. Business and corporate cards reward that data with lower interchange. Send it right and a B2B sale costs you a lot less.
What changed with Visa's CEDP in 2026?
Visa retired the old Level 2 and Level 3 programs. The Commercial Enhanced Data Program took their place. Rates now rest on sending full, correct data and being "verified." Sellers who are not set up for it lost the savings. Most never knew.
How do I know if I'm overpaying on B2B cards?
Your statement shows it. We read how much of your volume rides on business cards. We check if your processor sends the extra data and earns the lower rate. Most B2B sellers we review do not.
Do I need a special gateway or processor?
You need one that sends Level 3 / CEDP data on its own. Not all of them do. We set up the account and gateway so the data goes with every sale. Then we confirm you are 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 how many business cards you take. Verified CEDP can run 30-plus basis points better than non-verified. At $200K a month in B2B card volume, that is over $600 a month. Send one statement and we show you your real number.
Stop paying too much on business-card sales.
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