A Practical Guide to Visa Commercial Enhanced Data Program (CEDP)
It is a program that will define how merchants and payment processors can reduce interchange costs by adhering to Visa’s new data standards. Visa will now require merchants to be validated for the integrity and accuracy of their data passed when a commercial card is being used (B2B transactions) to benefit from the savings. Generally speaking, the metrics Visa is looking for are sales tax information (Level 2) and product information (Level 3).
Congratulations to Basis Theory on Their Strategic Partnership with Mastercard
Big news in payments innovation: Mastercard and Basis Theory have announced a strategic partnership designed to advance agentic commerce. A significant next-generation approach that combines AI-driven intelligence with secure, flexible payment infrastructure. This collaboration represents a significant step forward in shaping how businesses and consumers will interact in a more personalized, efficient, and secure commerce environment.
RPY Innovations Makes Connections. Just Call Us the Matchmaker
In payments, growth often comes down to connections and relationships. We are engaged in a complex and sensitive business. Linking the right merchants with the right platforms, matching risk appetite with the right compliance framework, and aligning strategy with the right technology are all vitally important for success. At RPY Innovations, we’ve spent more than 15 years helping acquirers, payment facilitators, ISVs, and merchants make those connections with confidence.
The New Era of Commercial Payments: Navigating Visa's CEDP
Companies processing B2B transactions need to pay close attention to Visa's upcoming changes with the introduction of the Commercial Enhanced Data Program (CEDP).
PayFac is Not Dead
Every few years in payments, the industry seems to decide that the Payment Facilitator model is “over.” Headlines appear, whispers spread at conferences, and new buzzwords try to take center stage. Yet here we are in 2025 — and PayFac is not only alive, it’s evolving.
BNPL - Convenience Meets Growing Risk
Buy Now, Pay Later (BNPL) has transformed from a niche checkout option to a mainstream payment method. Especially among younger generations. Its appeal is obvious: no interest, quick approvals, and the ability to spread costs over time. In 2024, nearly one in four Americans had used BNPL, double the adoption rate just a few years earlier.
Debit Interchange Is Back on the Table
A recent U.S. District Court ruling in North Dakota has shaken up the debit-card world. The court struck down the Federal Reserve’s 2011 Regulation II rule on “swipe fees” (a phrase I loathe), saying the Fed went too far when it allowed certain extra costs, like fraud prevention, to be baked into the cap.
Agentic Commerce: The Real Battle is in the Back-End
The discourse around Agentic Commerce is fixated on the front-end—the conversational prowess of the AI. While fascinating, this focus is a distraction. For FinTech leaders, the most critical work isn't in training the agent, but in rebuilding the financial plumbing that will enable it to act.
Why Gamers Are Turning to Crypto Wallets
Blockchain-based games and NFTs are blurring the lines between entertainment and investment. Players can now earn, trade, and own in-game items with real-world value. Using a crypto wallet to buy a rare sword or skin isn’t just about gameplay, it’s about building digital equity.