If you’ve been hearing whispers about Visa’s new Commercial Enhanced Data Program (CEDP) and feeling a sense of integration dread, you can breathe a sigh of relief.
At Datacap, we know that as an ISV, the last thing you want is a surprise compliance project that hijacks your product roadmap. That’s why we’ve already baked CEDP alignment directly into our platform.
Here’s a breakdown of what’s changing and why it’s a win for you and your merchants.
What’s the deal with CEDP?
Essentially, Visa is raising the bar on how commercial card data is handled. They’re moving away from “Level 2” data rules and requiring a more standardized, high-quality approach.
Their goal is more transparent and secure B2B payments. And if the data isn’t perfect, it gets expensive for your merchants.
Why it matters for your merchants
Every merchant wants the best possible interchange rates. Historically, “Level 2” was the sweet spot for savings, but Visa will be retiring Level 2 rates in April 2026.
To keep their costs down, merchants now need to provide Level 3 data (the deep line-item details). If their software isn’t ready to send that data correctly, their transactions will get downgraded to higher rates.
The good news
You’re already covered. Usually, a shift like this would mean you’d have to go back into your code, figure out new data schemas, and manage complex validation logic.
Not with Datacap. Because we sit at the center of the payment experience, we’ve handled the technical side of the CEDP mandate at the platform level. We’ve earned the Level 2 and Level 3 certifications so you don’t have to.
How it works
- We capture the data. Our platform pulls the necessary info at the point of payment.
- We format it perfectly. We translate that data into the exact language Visa’s new program requires.
- We protect the rate. By sending high-quality data, we help ensure your merchants qualify for the lowest possible interchange fees automatically.
Focus on your product, not payment mandates
The best part of our partnership is that you don’t have to be a Visa compliance expert. We absorb the complexity of mandates like CEDP so you can stay focused on building great software.
Your merchants get lower fees, a modern payment experience, and a stable platform. You get to keep your dev team focused on your next big feature.
