Reduce your credit card processing fees

B2B & B2G purchases can qualify for lower rates when you submit additional enhanced data at the time of the transaction. Our payment platform optimizes and submits the required enhanced data fields, providing access to the reduced Level II and Level III interchange rates and helping merchants save on their credit card processing costs.

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Comply with Visa's Commercial Enhanced Data Program (CEDP)

The goal of Visa’s Commercial Enhanced Data Program (CEDP) is to reduce fraud and improve the quality of the data that is submitted to qualify B2B and B2G transactions for discounted processing rates on commercial credit card transactions.

We are committed to helping you qualify for the best interchange rates, while also complying with the CEDP requirements, with platform tools like the PayTrace Product List, which help merchants enter their full catalog of products and submit the required enhanced fields with each transaction.

LEARN MORE ABOUT CEDP

What is interchange?

Interchange is a rate or fee charged by banks to cover the cost of handling and risk involved in bank credit or debit card transactions.

Interchange optimization is available on all PayTrace products

With the PayTrace platform, merchants can qualify for the best interchange rates on every transaction, regardless of how it comes through: Virtual Terminal, accounting software, CRM, ERP applications, or API integrations.

Who sets the rates?

Interchange rates are set by credit card companies such as Mastercard, Visa, American Express, and Discover. Visa and Mastercard typically publish updated interchange rates in April and October.

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What data is required to qualify for each rate?

Visa and Mastercard require different amounts of data to qualify for Level II and Level III rates. PayTrace optimizes and submits this data so merchants can qualify for higher savings on each transaction.

MasterCard rates

Mastercard currently provides a Level 2 tier for B2B/B2G transactions. To qualify for the best data rates, we recommend that you include ALL PO fields and tax amounts greater than $0.

PayTrace Interchange Optimization	Best Rates	Awesome Rates	Better Rates	Less Optimal Rates
MC BUSINESS DEBIT CARD	N/A	2.10% + $0.10	2.65% + $0.10	2.95% + $0.10
MC BUSINESS LVL 1 CARD	N/A	1.90% + $0.10	$2.65% + $0.10	2.95% + $0.10
MC BUSINESS LVL 2 CARD	N/A	2.05% + $0.10	2.80% + $0.10	3.10% + $0.10
MC BUSINESS LVL 3 CARD	N/A	2.10% + $0.10	2.85% + $0.10	3.15% + $0.10
MC BUSINESS LVL 4 CARD	N/A	2.20% + $0.10	2.95% + $0.10	3.25% + $0.10
MC BUSINESS LVL 5 CARD	N/A	2.25% + $0.10	2.25% + $0.10	3.30% + $0.10
LARGE MARKET CREDIT	1.90% + $0.10 *May qualify for large ticket	2.50% + $0.10	2.70% + $0.10	2.95% + $0.10
COMMERCIAL PREPAID	N/A	2.65% + $0.10	2.65% + $0.10	2.95% + $0.10

All rates noted above are publicly available. Mastercard rates and rules subject to change.

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Visa rates.

Visa’s CEDP requirements can affect the available rates. Be sure to submit all of the required fields to receive the best possible rate for your transactions.

Qualification Level	Level 3	Level 2	Product 1	Non-qualified
PayTrace Interchange Optimization	Best Rates	Awesome Rates	Good Rates	Less Optimal
VISA COMMERCIAL PREPAID CARD	N/A	N/A	2.65% + $0.10	2.65% + $0.10
VISA CORPORATE/PURCHASING CARD	1.90% + $0.10	2.50% + $0.10	2.70% + $0.10	2.95% + $0.10
VISA BUSINESS TIER 1 CARD	N/A	1.90% + $0.10	2.65% + $0.10	3.15% + $0.20
VISA BUSINESS TIER 2 CARD	N/A	2.05% + $0.10	2.80% + $0.10	3.15% + $0.15
VISA BUSINESS TIER 3 CARD	N/A	2.10% + $0.10	2.85% + $0.10	3.15% + $0.20
VISA BUSINESS TIER 4 CARD	N/A	2.20% + $0.10	2.90% + $0.20	3.15% + $0.20
VISA BUSINESS TIER 5 CARD	N/A	2.25% + $0.10	3.00% + $0.10	3.15% + $0.20

All rates noted above are publicly available. Visa rates and rules subject to change.

DOWNLOAD THE RATE SHEET

Your annual spending affects your
interchange rate.

These “tiers” or “levels” are typically known as the Annual Account Spend. The card category is based on how much money your customer spends with this card on an annual basis. The more money that’s spent on any given business card, the higher the rates.

Visa Annual Account Spend

Customer Annual Spend

VISA BUSINESS TIER 1 CARD

Less than $20,000

VISA BUSINESS TIER 2 CARD

$20,000 – $39,999

VISA BUSINESS TIER 3 CARD

$40,000 – $99,999

VISA BUSINESS TIER 4 CARD

Over $100,000

Mastercard Annual Account Spend

Customer Annual Spend

MC BUSINESS LVL 1 CARD

Less than $25,000

MC BUSINESS LVL 2 CARD

$25,001 – $50,000

MC BUSINESS LVL 3 CARD

$50,001 – $100,000

MC BUSINESS LVL 4 CARD

Over $100,000

Top industries for B2B merchants.

Visa sorts industries by Merchant Category Codes (MCC).

MCC 8931 Accounting, Auditing, and Bookkeeping Services	MCC 7372 Computer Programming, Data Processing, & Integrated Systems Design Services	MCC 7392 Management, Consulting, and Public Relations Services	MCC 5198 Paints, Varnishes and Supplies
MCC 7311 Advertising Services	MCC 5039 Construction Materials	MCC 5047 Medical, Dental, Ophthalmic and Hospital Equipment and Supplies	MCC 5044 Photographic, Photocopy, Microfilm Equipment & Software
MCC 5192 Books, Periodicals and Newspapers	MCC 5099 Durable Goods	MCC 5137 Men’s, Women’s, and Children’s Uniforms & Commercial Clothing	MCC 5131 Piece Goods, Notions, and Other Dry Goods
MCC 7399 Business Services	MCC 5065 Electrical Parts and Equipment	MCC 5051 Metal Service Centers and Offices	MCC 5074 Plumbing and Heating Equipment and Supplies
MCC 5169 Chemicals and Allied Products	MCC 7361 Employment Agencies and Temporary Help Services	MCC 2741 Miscellaneous Publishing and Printing	MCC 8999 Professional Services
MCC 7349 Cleaning, Maintenance, and Janitorial Services	MCC 5193 Florist Supplies, Nursery Stock and Flowers	MCC 7829 Motion Picture & Video Tape Production and Distribution	MCC 1799 Special Trade Contractors
MCC 5046 Commercial Equipment	MCC 5085 Industrial Supplies	MCC 4214 Motor Freight Carriers and Trucking	MCC 2842 Specialty Cleaning, Polishing and Sanitation Preparations
MCC 5139 Commercial Footwear	MCC 7375 Information Retrieval Services	MCC 5199 Nondurable Goods	MCC 8734 Testing Laboratories (Non-Medical Testing)
MCC 7333 Commercial Photography, Art & Graphics	MCC 6300 Insurance Sales, Underwriting, and Premiums	MCC 5021 Office and Commercial Furniture	MCC 2791 Typesetting, Plate Making and Related Services
MCC 7379 Computer Maintenance, Repair & Services	MCC 0780 Computer Programming, Data Processing, & Integrated Systems Design Services

EXPLORE MARKET VERTICALS

Interchange optimization helps
lower B2B card processing costs

Reduce your credit card processing fees

Comply with Visa's Commercial Enhanced Data Program (CEDP)

PayTrace settles more than $50 billion annually, with more than a third of the volume in Level II and Level III eligible transactions.

What is interchange?