# Understand the Visa Commercial Enhanced Data Program (CEDP) _Information about the US interchange program. Impacts businesses using interchange+ (IC+) pricing model for cards._ --- **As of November 2025, Visa has paused verifying new businesses for CEDP. Businesses can continue to qualify for CEDP interchange rates on a per transaction basis.** Learn more under [Verification](/questions/understand-the-visa-commercial-enhanced-data-program-\(cedp\)#verification). ## What is CEDP? Card networks support [interchange programs](https://stripe.com/guides/introduction-to-online-payments) that allow businesses to realize interchange savings from passing sales tax information (Level 2 or L2) and product information (Level 3 or L3) on eligible commercial cards. Learn more about [passing line items and L2/L3 payments](https://docs.stripe.com/payments/payment-line-items). In October 2025, Visa replaced the existing L2/L3 program with the Commercial Enhanced Data Program (CEDP) and Product 3 interchange rates. Between April 2025 and April 2026, Visa is making changes to commercial card interchange programs in the US: - April 12, 2025: New scheme fee introduced on L2, L3, and Large Ticket transactions. - October 18, 2025: Existing L3 program replaced with CEDP and Product 3 interchange rates. - January 24, 2026: Visa is increasing Product 3 and Level 2 interchange rates for Business Credit cards. - April 18, 2026: L2 program is sunset. Learn more about [recently updated network costs and CEDP](https://docs.stripe.com/reports/network-cost-updates). ## What are commercial cards? Businesses use commercial cards to make purchases on behalf of the company or small business. Examples include Corporate, Purchasing, or Business Credit cards. Commercial cards is a type of [card category](https://docs.stripe.com/reports/ncidash#card-category) (page is only viewable if you have CEDP access) used for transactions on card networks in the United States. Card categories are a key component in determining the network cost of the transaction. ### Large Ticket transactions Two types of commercial cards, Visa Corporate and Visa Purchasing, have special interchange rates for large transactions. Large Ticket interchange rates typically have a higher fixed fee, but lower variable rate. ## CEDP program benefits In October 2025, the Commercial Enhanced Data Program (CEDP) replaced the existing L3 program with new Product 3 interchange rates: - Visa introducing new Product 3 interchange rates. Product 3 interchange rates are lower compared to previous L3 rates. Some businesses, such as those processing for travel-related verticals, don’t qualify for Product 3 programs. - Under CEDP, all commercial card products, Corporate, Purchasing, and Business Credit, are eligible for Product 3 rates. - Under Visa’s previous L3 program, Business Credit cards qualified only for L2, and not for L3. The expansion of Product 3 to Business Credit cards could bring additional savings to qualified transactions. - The CEDP scheme fee applies to all Visa US transactions that send line item data on qualified cards. Reach out to your sales rep or contact support if you have questions about opting out of the program. ## Verification **As of November 2025, Visa has paused verifying new businesses for CEDP. Businesses can continue to qualify for CEDP interchange rates on a per transaction basis when the transaction meets Visa’s data quality requirements.** As part of CEDP, Visa is introducing the concept of verifying a business based on the quality of the product data submitted by the business. Only verified businesses can receive Product 3 rates at the time of capture. Before becoming verified, a business can still qualify for Product 3 interchange rates. Visa will evaluate the data quality of individual transactions submitted by unverified businesses. If the transaction passes quality data, Visa will reassess the interchange rate, and adjust the difference. This adjustment process can take up to one month. Once a business is verified, Visa will continue to monitor data quality. If Visa determines data quality falls below Visa’s threshold, Stripe will notify you. ## How do I send data to Stripe? The way you send data to participate in Visa CEDP varies depending on how you integrate with Stripe. - **PaymentIntent API**: Provide product data directly inline when you create a PaymentIntent using [payment line item fields](https://docs.stripe.com/payments/payment-line-items). - **Stripe Checkout**: Provide details about product data by creating [Products](https://docs.stripe.com/products-prices/how-products-and-prices-work) and then use those products in Stripe Checkout sessions, alongside providing payment details. Stripe Checkout fields are automatically mapped to the [payment line items fields in the PaymentIntent API](https://docs.stripe.com/payments/payment-line-items#cards-l2/l3-rates-eligibility). - **Stripe Billing and Invoicing**: Provide details about product data by creating [Products](https://docs.stripe.com/products-prices/how-products-and-prices-work) and then use those products when creating Subscriptions or Invoices. Subscriptions and Invoices create PaymentIntents when payment is collected from customers and are automatically mapped to the payment line item fields in the PaymentIntent API. You’re responsible for complying with Visa’s quality standards and ensuring that you populate data in accordance with program guidelines to be eligible for the program. Submitting line item data doesn’t guarantee that you’ll receive Product 3 interchange rates. ## Data best practices Visa has shared some best practices around common data quality errors. This list is non-exhaustive, and intended as a guide. Stripe can’t guarantee if Visa will qualify data submitted by businesses. You are responsible for complying with Visa’s quality standards and ensuring that you populate data in accordance with program guidelines to become verified or maintain your verified status. - [PaymentIntent API: Line item field](https://docs.stripe.com/payments/payment-line-items) - [Products API](https://docs.stripe.com/products-prices/how-products-and-prices-work) - Recommendation - Avoid --- - line_item[product_name] - [name](https://docs.stripe.com/api/products/object#product_object-name) - * Include meaningful and accurate product names * Be specific, especially around subscription information - * Blank product names * Single characters * Generic names (including generic subscriptions) * Repeating any part of the business name as any part of the product name --- - line_item[product_code] - [id](https://docs.stripe.com/api/products/object#product_object-id) - * Include meaningful and accurate product descriptions or SKUs * Be specific, especially around subscription information - * Blank product descriptions * Single characters * Generic descriptions * Repeating any part of the business name as any part of the product description * Submitting erroneous data, such as MCC or card product, as the description --- - line_item[tax][total_tax_amount] tax[total_tax_amount] - [tax rates](https://docs.stripe.com/api/tax_rates) (if applicable) - * Include the correct tax for the nexus * A zero tax amount is acceptable for situations and jurisdictions that don’t require sales tax, such as charities or certain US states - * Submitting incorrect tax amounts, including non-varying tax amounts --- - line_item[unit_of_measure] - [unit_label](https://docs.stripe.com/api/products/object#product_object-unit_label) - * Use a measurement unit that corresponds with how the product being sold would be counted or measured. For example, “item” for a countable object or “gallon” for a liquid. - * Blank unit of measure ## Learn about your CEDP status on Stripe If you’re submitting line item data and have commercial card volume, you can learn about your CEDP status and any data quality errors in several places on Stripe: * Download the CEDP report from the [Network Cost Insights (NCI) report](https://docs.stripe.com/reports/ncidash) on the [Stripe Dashboard](https://dashboard.stripe.com/network-costs) * [Stripe Sigma](https://docs.stripe.com/stripe-data/sigma) * [Stripe Data Pipeline](https://docs.stripe.com/stripe-data/data-pipeline) * [Stripe Report API](https://docs.stripe.com/reports/api) Reports are refreshed around the first of the month after Stripe receives data from Visa. CEDP reports contain data from two months prior. For example, reports uploaded on December 1 contain October data. CEDP reports are available for the past 12 months. If you require more than 12 months of data, we recommend saving the information in your own system. ### Information available in the CEDP report * **Report date**: Month where the data was collected. For example, reports uploaded on December 1 have October data, and therefore the report date is October. The date timestamp appears in the format *2025-10-31 23:59:59,* but this represents all data from October. * **Connected account ID**: For Connect Platforms, this is the Stripe ID of the connected account that corresponds with the CEDP data. * **Verification status** * **Active**: Verified * **New**: Verified for the first time as of the latest Visa report * **Removed**: Previously verified account that has moved to unverified as of the latest Visa report * **Unverified**: Not verified for CEDP * **Total transactions with errors**: Number of transactions reported by Visa that contained the reported errors for the report month * **Total payment volume with errors**: Payment volume reported by Visa that contained the reported errors for the report month * **Error names**: Names of the errors * **Proposed actions**: Explanation and recommendation for the received errors ## FAQs ### If I’m verified, why am I seeing data quality errors? Visa has some allowance for data quality errors while still remaining verified. Review any data quality errors carefully, and consider making adjustments to your line items to correct errors. This will help ensure your account remains verified. ### What does it mean if my Stripe account isn’t verified, but also displays no data quality errors? There can be several reasons why you might be unverified but not have any data quality errors: * **You just started sending product data**: Visa generally requires business to submit 2-3 months of data to verify an account, so you might still be in the period where Visa is evaluating initial data quality. * **You might not have processed enough eligible transactions yet for Visa to make a determination**: Even if you’ve been submitting product data for several months, Visa might not have enough data yet to verify your account if you only process a few commercial transactions a month. Even if you’re unverified, you can still qualify for Product 3 interchange. Visa evaluates the data quality of individual transactions submitted by unverified businesses. If the transaction passes Visa’s quality standards, Visa will reassess the interchange rate and adjust the amount. This adjustment process can take up to one month. ### Why are there multiple errors per report row? When an account has more than one data quality error, Visa groups all of the errors together. Stripe displays errors in the same way Visa publishes them to us. Therefore when Visa has aggregated a set of errors, Stripe will present the errors in the same aggregated format. ### What does it mean if my error report says "under review by Stripe / No user action required at this point?” There are some data quality errors that require further review by Stripe before adding them to the report. For example, a new data quality error or an error that requires network input. ### Could my Stripe account ever be removed from verification? Visa will continue to monitor data quality. In the event an account loses CEDP verification, Stripe will contact you.