From Level 2/3 to CEDP: Navigating Visa’s New Era of Enhanced Commercial Data
At this week’s ETA Payment Facilitation Committee meeting, we’ll take a deep dive into Visa’s new Commercial Enhanced Data Program (CEDP), a fundamental shift now in active enforcement. CEDP retires the Level 2, Level 3, and Large Ticket programs and replaces them with a unified, data-driven framework designed to reward accuracy, consistency, and completeness of enhanced data on commercial and small-business card transactions.
This isn’t just a technical update. CEDP is reshaping how our industry captures and validates line-item data, how interchange is applied, and how acquirers, PayFac’s, and merchants evaluate their operating models. For some, it opens the door to stronger value propositions for business merchants. For others, it spotlights the need to modernize legacy processes and elevate data quality across the board.
Our panel will bring exceptional clarity to this transition:
• Sarah Story, Director of Data Analytics, RPY Innovations
She will share how enhanced data accuracy directly impacts interchange outcomes, margin capture, and economic modeling.
• Skyler Kearney, Associate Solutions Engineer, Infinicept
Styler will explain the technical realities of capturing and validating line-item data and how PayFac’s can operationalize compliance.
• Allyson Smith, Co-Founder & CEO, Flexibl
Alison will discuss why vertical SaaS platforms must invest in clean, reliable data infrastructure to unlock hidden margin.
A timely, practical conversation on what CEDP means and what comes next. Please reach out to Courtney Freeman at ETA if you are a member and would like to attend. I will be joined with my two Co-Chairs, Deana Rich, Infinicept and Amy Pearns, KeyBank.
