Published By pymnts
B2B payments are becoming a data-rich world. That’s creating new challenges for data-poor businesses.
As of Saturday (April 18), Visa’s Commercial Enhanced Data Program (CEDP) officially phased out its Level 2 interchange program, replacing the legacy incentive structures with a new interchange system that rewards one thing above all: high-quality, verifiable Level 3 data.
What was once an optional optimization for B2B card payments is now the primary pathway to cost efficiency. For CFOs and operators, the implications may be as immediate as the Level 2 sunset, and their consequences are not merely technical ones.
Transactions that previously qualified for discounted rates under Level 2 will now fall into higher-cost categories unless they meet stricter Level 3 standards. There is no longer a low-effort path to optimization. Transactions either meet the bar for verified, high-quality data, or they don’t. That distinction carries real financial weight.
In the end, the shift is less about payments than about preparedness. The companies that succeed will be those that recognize the moment not as a disruption to be managed, but as a catalyst for transformation.