> For the complete documentation index, see [llms.txt](https://docs.xplorpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xplorpay.com/api-reference/resources/visas-commercial-enhanced-data-program/lower-interchange-rates.md).

# Lower Interchange Rates

To qualify for lower interchange rates with Visa’s Commercial Enhanced Data Program (CEDP):

{% stepper %}
{% step %}
**Submit enhanced transaction data through the Xplor Pay Transactions API when processing payments with Visa commercial cards.**

A participation fee of 0.05% of the total amount applies to eligible transactions when accepting payments with Visa commercial cards.
{% endstep %}

{% step %}
**Xplor Pay sends the transaction data to Visa to verify whether it meets the required qualifications.**

Qualification for lower interchange rates takes at least 40 days from commercial transaction initiation.
{% endstep %}

{% step %}
**Visa verifies the enhanced data submissions retrospectively.**

To qualify for lower interchange rates, make sure the enhanced transaction data you submit consistently meets Visa’s quality requirements.

{% hint style="info" %}
Contact Xplor Pay support to qualify for lower interchange rates.

* ISV/MSP Support: <salessupport@xplorpay.com>​
* Direct Support: <directsupport@xplorpay.com>
  {% endhint %}
  {% endstep %}

{% step %}
**If the data meets the requirements, Visa updates the merchant status and sends the Verified Merchant List to Xplor Pay on the 10th of every month.**

The verification status is specific to each Merchant Identification (MID) registered with Xplor Pay.

{% hint style="info" %}
Contact Xplor Pay support to obtain the verified merchant list.

* ISV/MSP Support: <salessupport@xplorpay.com>​
* Direct Support: <directsupport@xplorpay.com>
  {% endhint %}
  {% endstep %}

{% step %}
**The merchant qualifies for Visa’s Commercial Enhanced Data Program (CEDP), and improved interchange rates apply to Visa commercial card transactions.**

After qualification, Visa may refund transactions processed between the data verification and rate application stages.
{% endstep %}
{% endstepper %}


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation by asking a question.

Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters:

```
GET https://docs.xplorpay.com/api-reference/resources/visas-commercial-enhanced-data-program/lower-interchange-rates.md?ask=<question>&goal=<user_goal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.