01 / REVIEW AREA
Check eligible transactions
Identify commercial-card activity and the network programs that apply to your transactions.
B2B COMMERCIAL CARD REVIEW
Your invoice data deserves a closer look.
Check whether eligible commercial-card transactions carry the data required by current network programs, and whether your pricing passes through any benefit.
No advisory feesNo obligation to switchClear next steps
Partner-funded advice. Provider fees and terms still apply.
BUILT FOR THE PEOPLE
RESPONSIBLE FOR MARGIN
RESPONSIBLE FOR MARGIN
01 Founders & operators
02 Finance teams
03 Ecommerce & platforms
THE DIRECT ANSWER
Do Level 2 and Level 3 data still reduce B2B card costs?
Enhanced transaction data can help eligible commercial-card transactions qualify for different interchange rates. In the US, Visa’s Commercial Enhanced Data Program (CEDP) has replaced its older Level 2 and Level 3 programs. Mastercard has its own requirements. Eligibility, data quality and your pricing agreement determine the result.
A gateway accepting extra fields does not prove qualification or savings. Verify transaction-level results with your provider.
WHAT WE REVIEW
Start with the details
that affect your costs.
Qualification and pricing pass-through are separate checks. Both matter.
02 / REVIEW AREA
Review the data flow
Trace invoice, tax, line-item and other required fields from your billing system to the processor.
03 / REVIEW AREA
Confirm the economics
Check qualification results and whether your merchant agreement passes through any lower cost.
A BETTER PROVIDER CONVERSATION
Know what
to ask next.
Use the review to turn a rate discussion into a complete cost comparison. These are questions to investigate, not findings about your account.
Get the b2b commercial cards checklist ↗| Review area | The question to ask |
|---|---|
| Visa US commercial cards | Which CEDP requirements and data-quality rules apply? |
| Mastercard commercial cards | Which enhanced-data requirements apply to your transactions? |
| ERP and invoicing | Are required fields complete, accurate and passed to the provider? |
| Merchant pricing | Will a qualification change affect your billed processing cost? |
FREE TOOL / NO EMAIL REQUIRED
What would a small
rate change mean?
Use your own volume and fees to explore a hypothetical reduction. A basis point is 0.01 percentage points. This is a scenario, not a quote or savings forecast.
20 bps
0 bps100 bps / 1 percentage point
ILLUSTRATIVE ANNUAL IMPACT
$6,000 / year
Example inputs are prefilled. Replace them with your figures.
Current effective rate3.00%
Scenario effective rate2.80%
Illustrative monthly difference$500
Annual impact = monthly volume × basis points ÷ 10,000 × 12. Assumes constant volume and a change to the effective rate. Excludes implementation and switching costs.
Your calculator amounts stay in your browser and are not sent with your inquiry or analytics.
Find out what is worth reviewing ↗TWO WAYS TO START
Bring us the question.
Leave with a next step.
Get a focused review or a checklist to guide your own provider conversation.
01 / COMPLIMENTARY REVIEW
A clearer payment statement.
Request a review of your current costs, the questions worth asking and the options worth testing.
Request my free review ↗02 / PROVIDER CONVERSATION CHECKLIST
A better pricing conversation.
Get six checks tailored to b2b commercial cards, including the documents to gather and the questions to raise.
Get my review checklist ↗01
Share your starting point.
Your website, provider and approximate volume are enough to begin.
02
Review the evidence.
We identify the information needed and arrange document collection separately.
03
Choose your next move.
Keep your setup, ask better questions or evaluate a suitable alternative.
LET’S LOOK AT YOUR SETUP
Make your next
payment decision
an informed one.
Tell us where to start. Chris will review your request and follow up on the most useful next step.
Chris Fava
Rebar Payments advisory
chris@wearerebar.com
Rebar is compensated through processing partners when eligible referred merchants transact. You are free to keep your current provider.
Checking request availability. You can also book a call or email Chris.
BEFORE YOU START
A few practical
questions.
Clear answers about b2b commercial cards and how a Rebar review works.
Is Visa Level 2 still the right target in 2026?
For the US commercial-card program covered here, Visa discontinued its older Level 2 program in April 2026. Review CEDP requirements with your provider rather than relying on an old Level 2 checklist.
Can Stripe accept enhanced transaction data?
Stripe documents payment fields for tax, order references and line items. Confirm your account, integration and pricing eligibility with Stripe before assuming a cost benefit.
Do all B2B payments qualify?
No. Card type, geography, network rules, data quality and other qualification criteria matter. Enhanced data is not a universal discount for every business invoice.
How does Rebar get paid?
Rebar can receive compensation from payment processing partners when eligible referred merchants transact. The payments advisory review has no upfront or ongoing Rebar fee. You are free to keep your current provider. Processing fees and provider terms still apply.
Provider sources reviewed October 30, 2026:Checkout.com: US commercial interchange changes ↗Stripe payment data fields ↗Account-specific terms may differ.
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