# Process payments

To process payments with Visa commercial cards to qualify for lower interchange rates, follow the steps below:

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{% step %}
**Submit enhanced transaction data at checkout using the invoice-level fields in the Xplor Pay payment form.**
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{% step %}
**Map the required fields to the corresponding** [**Xplor Pay Transaction API**](https://docs.xplorpay.com/api-references/api-reference/payments/cards/transactions) **request fields to submit enhanced transaction data.**
{% endstep %}

{% step %}
**Test the Xplor Pay Transaction API integration using** [**Visa commercial test cards**](https://docs.xplorpay.com/api-references/resources/test-cards-and-ach-accounts#test-cards-this-is-different-to-what-we-have-in-navi) **to confirm field compatibility and lower interchange rate eligibility.**
{% endstep %}

{% step %}
**Contact** [**Xplor Pay Sales Support**](mailto:salessupport@xplorpay.com) **to request the Verified Merchant List issued by Visa, which helps merchants qualify for lower interchange rates to 1.75% + $0.10.**
{% endstep %}
{% endstepper %}