Guides to commercial card interchange
Plain answers on interchange rates, Level 2 and Level 3 data and card network programs, for B2B sellers and the platforms that process their card payments.
Commercial card interchange rates: Visa and Mastercard
Visa and Mastercard US interchange rates for corporate, purchasing and business cards in 2026, and how Level 2 and Level 3 data changes the rate.
Read the guideLevel 2 and Level 3Last reviewed Nov 2, 2026Level 3 credit card processing: requirements for B2B sellers
What Level 2 and Level 3 credit card processing requires from businesses that accept corporate cards, and what Visa CEDP changed in 2025 and 2026.
Read the guideMore guides on the way
Each guide shows when we last checked it against the network schedules.Visa CEDP explained
How the Commercial Enhanced Data Program works and what it costs per sale.
Stripe Level 2 and Level 3 data
Where Stripe takes line item data and how to check that it reached the network.
Adyen Enhanced Scheme Data
The ESD fields Adyen sends to Visa and Mastercard, and the ones that get dropped.
Interchange downgrades
Why a sale lands in a higher tier and how to read it on a fee report.
Interchange++ vs blended
Which pricing model passes a lower interchange tier through to your statement.
See what last month cost you.
Upload an Adyen or Stripe fee report. The diagnostic shows the rate each commercial card sale paid and the best rate its card and MCC allow.