If the Boost B2B platform can cut Visa commercial card interchange by nearly 44%, how much B2B volume is still being priced like ordinary card-not-present commerce?
Boost Payment Solutions says customers using its platform saved $14.7 million in acceptance costs across more than $1.2 billion in qualifying transaction volume after Visa’s Commercial Enhanced Data Program launched in October, according to PYMNTS. The benchmark matters: Boost is comparing those costs with standard card-not-present rates.
That turns a network rule change into a margin question. B2B suppliers may like card payments because they can support faster collection and buyer demand, but commercial card acceptance can bite hard on high-ticket transactions. If richer data moves a meaningful share of volume into lower-cost treatment, the card acceptance decision changes.
Why should B2B merchants care about the Boost B2B platform's 44% Visa interchange savings claim?
The headline is not that Visa changed a rule. The headline is that Boost says the rule change has already translated into $14.7 million of customer savings.
That figure comes from qualifying volume processed under Visa’s Commercial Enhanced Data Program, or CEDP, since the program launched in October 2025, according to Boost’s June 23, 2026 press release. Boost says customers reduced estimated interchange-related fees by nearly 44% versus standard card-not-present rates.
For finance teams, the practical question is simple: how many commercial card payments are expensive because the transaction lacks the data needed to qualify?
Boost says its platform certifies that 99.99% of transactions processed through it meet CEDP requirements. That is up from the 99.96% figure PYMNTS reported when Visa launched CEDP in October.
“What’s emerging is a higher standard: data that is accurate, complete and verified at the moment of processing,” Boost Payment Solutions Founder and CEO Dean Leavitt said in the release.
The keyword is “verified.” Under CEDP, the data can’t merely exist somewhere in the back office. Boost’s claim is that it can validate the data at processing time.
What changed when Visa launched CEDP for B2B payments?
Visa’s Commercial Enhanced Data Program ties lower interchange treatment to the accuracy and transparency of transaction data submitted by suppliers, PYMNTS reported.
In plain terms, CEDP rewards qualifying commercial transactions when richer B2B payment data travels with the transaction. Boost says its platform automates the parsing and real-time validation of invoice-level data so transactions can meet CEDP qualification thresholds.
The timing is important:
| Visa commercial card shift | Date or status from source | What changed |
|---|---|---|
| CEDP launched | October 2025 | Boost said it was ready to support clients under the new requirements |
| Level 2 interchange retired | April 2026 | Visa phased out its Level 2 interchange program |
| CEDP fully in effect | Reported by Boost on June 23, 2026 | Boost reported savings tied to validated qualifying transactions |
PYMNTS described CEDP as one of the most sweeping changes to interchange qualification in decades. That framing is not just network plumbing. It means the economics of a commercial card transaction now depend more directly on whether the submitted data can withstand Visa’s validation process.
Leavitt told PYMNTS CEO Karen Webster in an October interview:
“This is all about validating the data and making sure that it’s accurate and real so that the supplier can enjoy the lower interchange rate.”
How does enhanced commercial card data reduce interchange costs?
CEDP changes the incentive structure around data quality. A basic card-not-present commercial payment may not carry the same validated invoice-level information that a CEDP-qualified transaction requires. If the transaction qualifies, it can receive lower interchange treatment.
Boost’s press release gives the clearest rate comparison. Qualified transactions are generally entitled to interchange rates between 1.30% and 2.40%, compared with 2.65% to 2.95% for non-qualified transactions.
That spread is why the Boost B2B platform claim matters. On large B2B payments, small percentage differences become real money quickly.
The hard part is not understanding the math. It is producing clean transaction data at scale. Boost says its technology handles three pieces:
- Parsing: extracting invoice-level data.
- Validation: checking the data in real time against CEDP qualification thresholds.
- Distribution: extending the capability through its Payments-as-a-Service gateway across acquiring partners’ portfolios.
Boost also says AI plays a role. Its release says the company uses machine learning to validate its own AI-driven data processes, with a multi-layered approach designed to keep error rates near zero across high transaction volumes.
That is the operational center of the story. CEDP savings do not come from asking Visa for a better rate. They come from making the transaction qualify.
How did Boost turn Visa’s rule change into $14.7 million in savings?
Boost positioned itself as the technology layer between B2B payment data and Visa’s qualification framework.
The company says it helped customers save approximately $14.7 million in acceptance costs across more than $1.2 billion in qualifying transaction volume since CEDP launched. It also says its pre-funding model lets customers benefit from qualified rates immediately, rather than waiting through Visa’s verification cycle. Boost says other providers may delay rate adjustments until that cycle is complete, creating reimbursement delays of up to 90 days.
That matters because a lower qualified rate is less useful if the supplier has to wait months to see the benefit.
Zachary Held, Boost Payment Solutions’ chief product officer, framed the product goal this way:
“Every product decision we’ve made around CEDP comes down to making qualification effortless for our clients while ensuring their data holds up to network scrutiny every single time.”
XOOMAR analysis: Boost is not selling CEDP as a compliance checkbox. It is selling data accuracy as a financial product. The claim only works if the platform consistently turns messy B2B payment information into validated transaction data at the point of processing.
For readers following adjacent finance infrastructure stories, XOOMAR has also covered how rule design can reshape product economics in £40B Cap Rewrites Bank of England Stablecoin Rules, and how data control failures can create direct business exposure in 1.4 Million Exposed as Xsolis Data Breach Leaks SSNs. Different markets, same editorial test: the number only matters if the underlying controls hold.
What could a supplier save on $1 million in monthly Visa commercial card volume?
Use the rate ranges Boost cited.
A supplier accepting $1 million per month in eligible commercial card-not-present payments would face the following rough comparison if all of that volume were non-qualified versus CEDP-qualified:
| Monthly eligible volume | Rate treatment | Monthly cost range |
|---|---|---|
| $1,000,000 | Non-qualified at 2.65% to 2.95% | $26,500 to $29,500 |
| $1,000,000 | Qualified at 1.30% to 2.40% | $13,000 to $24,000 |
That puts the monthly difference between $2,500 and $16,500, depending on where the transaction falls within the cited ranges. Annualized, the gap would be $30,000 to $198,000.
There is also a second way to view it. If a supplier’s standard card-not-present interchange-related cost were cut by nearly 44%, a $29,500 monthly cost would fall by about $12,980. That is an illustration, not Boost’s reported customer mix.
The catch is qualification. Savings only apply to transactions that meet CEDP requirements. Eligible volume, data completeness, and validated processing decide the actual result.
What should CFOs and payments teams check before counting on CEDP savings?
Start with the payment file, not the sales pitch.
Payments teams should ask:
- Eligibility: Which Visa commercial card transactions can qualify under CEDP?
- Data: Is invoice-level information accurate, complete, and available at processing time?
- Validation: Can the organization confirm qualification before assuming the lower rate?
- Timing: When does the supplier actually receive the benefit of the qualified rate?
- Coverage: What share of current commercial card volume can realistically meet the requirements?
Boost’s reported numbers show what is possible when validated data travels correctly with the transaction. They do not prove that every supplier will capture the same savings.
The forward-looking issue is execution. Visa has already retired Level 2 interchange, and CEDP is now fully in effect. The suppliers that should pay closest attention are the ones with meaningful commercial card volume and enough invoice-level data to qualify. For them, the next finance project may be less about negotiating card acceptance and more about proving, transaction by transaction, that the data is good enough to earn the rate.
Disclaimer: This XOOMAR analysis is for informational and educational purposes only. It is not financial, investment, legal, tax, or professional advice. It does not provide buy, sell, hold, price-target, portfolio, or personalized recommendations. Verify information independently and consult qualified professionals before making decisions.
The Bottom Line
- Lower interchange costs could make commercial card acceptance more attractive for high-ticket B2B suppliers.
- The reported $14.7 million in savings shows Visa’s data requirements can have immediate margin impact.
- Boost’s 99.99% certification rate suggests enhanced transaction data may become a competitive standard in B2B payments.
Originally published on XOOMAR. For more news and analysis, visit XOOMAR.
