Boost and Visa’s Commercial Enhanced Data Program

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Boost and Visa’s Commercial Enhanced Data Program

The Visa Commercial Enhanced Data Program (CEDP), in effect since October 17, 2025, has changed interchange discounts applied to some commercial card payments submitted into interchange. Under CEDP, transactions that had been referred to as Level 2 and Level 3 because they included enhanced data in the authorization message have been consolidated and are now called Product 3. If they accurately transmit Product 3 level data, the lowest published interchange rate a seller’s acquirer will pay card issuers is 1.30% plus $35, which is down from the lowest Level 3 rate, which was 1.40% plus $3...

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Nilson Report

1298

December 2025

Articles in this Issue

Charts, Tables and Graphs in this Issue

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Payment Card Fraud Worldwide (2010 through 2030)

Global Fraud Losses—US vs Outside the US

Fraud Losses by Type of Card (in Billions in 2024 with Change vs. 2023)

Card Fraud Losses Projected

Global Card Acceptance Locations (2019 through September 30, 2025)

Merchant Acceptance Locations

Commercial Card Products (US Visa & Mastercard Purchase Volume 2024)

Purchase Volume on US Commercial & Consumer Cards 2024

Market Share of Consumer Cards of Total Purchase Volume 2024

Largest Credit Card Issuers Worldwide (Ranked by Purchase Volume in 2024)

Global Brand General Purpose Cards (Midyear 2025 with Change vs. Midyear 2024)

Investments & Acquisitions (November 2025)

Mentioned Companies:

Boost and Visa’s Commercial Enhanced Data Program

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