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What Merchants Need to Know: Visa’s Updates to Level 2 and Level 3 Pricing
Stephanie O'Connor
Director of Operations & Merchant Experience
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
Featured
Important Updates on the Visa/Mastercard Anti-Trust Class Action Lawsuit Settlement
Stephanie O'Connor
Director of Operations & Merchant Experience
The Visa/Mastercard Anti-Trust Class Action Lawsuit has been going on for about two decades now. The principal issue was the interchange fees that merchants were charged on Visa or Mastercard credit or debit transactions between January 1, 2004 and January 25, 2019.
Merchant Payments
2025 Holiday Online Fraud Trends: What Every Merchant Should Know
Doug Buan
Chief Information Security Officer
For merchants, the holiday season is typically a time for increased sales and revenue growth. And while the holidays bring great opportunities for businesses, they also bring increased risks. As consumers flock online to shop for deals, the volume of online transactions reaches its annual peak, and so do attempts...
Security
Merchant Payments
Mobile Wallets: They Don’t Cost as Much as You Think!
Stephanie O'Connor
Director of Operations & Merchant Experience
As the preferences of customers continue to change the payments landscape, many merchants are looking to upgrade their checkout experience with mobile wallets like Apple Pay, Google Pay or Samsung Pay. Yet, in a recent market survey, merchants indicated a reluctance to accept mobile wallets because they perceive them to...
Merchant Payments
Does a Recent Class Action Lawsuit Spell Trouble for Surcharging Merchants?
Stephanie O'Connor
Director of Operations & Merchant Experience
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
Stephanie O'Connor
Director of Operations & Merchant Experience
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
Stephanie O'Connor
Director of Operations & Merchant Experience
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