> 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 fields 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.**

The lower interchange rates qualification takes minimum 40 *days* from the day of 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 each 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 %}


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