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What Merchants Need to Know: Visa’s Updates to Level 2 and Level 3 Pricing
Background: What is CEDP? Visa launched the Commercial Enhanced Data Program (CEDP) in April 2025 to replace its previous Level 2 and Level 3 interchange incentive programs. Under CEDP, Visa requires merchants to pass complete, accurate, and descriptive line-item data for commercial card transactions. Before qualifying for the discounted interchange...
Merchant Payments
Embedded Payments
Does a Recent Class Action Lawsuit Spell Trouble for Surcharging Merchants?
A recent class action lawsuit in the hospitality and live events industry is a clear warning to all businesses: hidden fees and poor disclosure can lead to serious legal trouble. It is alleged that the company named in the suit used deceptive pricing tactics by advertising lower prices and hiding...
Merchant Payments
Embedded Payments
The Hidden Dangers of Third-Party Pet Medications and How to Keep Your Clients Safe
You know that your clients have their pets’ best interests at heart. That’s why they brought them to you in the first place. Unfortunately, with the rising costs of pet care, many pet parents are also looking for ways to save money. And as many vet clinics have noticed, that...
Merchant Payments
Embedded Payments
October 2025 Interchange and Network Fee Updates
Summary of Card Brand Changes Effective October 2025 Twice a year – in April and October – Visa, Mastercard, Discover, and AmEx release updates to their programs and fee structures. Additionally, the NYCE Payments Network has released updates to its PIN Debit rates as well. For your convenience, below is...
Merchant Payments
Embedded Payments
Big Changes to Visa’s Level 2 and Level 3 Incentive Program
What merchants and software providers need to know. Visa’s Commercial Enhanced Data Program (CEDP) is reshaping the landscape of B2B credit card processing. Launched in April 2025, with full enforcement on October 17, 2025, CEDP replaces Visa’s current Level 2 and Level 3 interchange program. This new program introduces stricter...
Merchant Payments
Embedded Payments
How PCI Compliance Impacts Pharmacies (And How Your Software Can Help!)
Pharmacies reside in a heavily regulated industry with good reason. They have a more difficult task than most when it comes to protecting their customers’ health – both physically and financially.
Security
Embedded Payments
The Invisible Payments Revolution: How Frictionless Transactions Are Changing Commerce
Invisible payments—where the transaction fades into the background of the customer experience—are quickly becoming the gold standard in modern commerce. While invisible payments may have started with rideshare apps and checkout-free retail, businesses across many industries are exploring how to incorporate this frictionless payment model. The benefits? For consumers, invisible...
Embedded Payments
Merchant Payments