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Business-to-Business
At Beach Payments, we understand the unique challenges of Business to Business (B2B) and Business to Government (B2G) transactions. From wholesale distributors to service providers, these industries often face higher processing costs because of how credit card payments are categorized. That’s why interchange optimization is so important.
Why Interchange Optimization Matters
Interchange optimization ensures that your B2B transactions are processed with the most cost-effective data, reducing unnecessary fees. Depending on the type of transaction, businesses can save anywhere from 0.20%–0.90%, with some larger B2B and B2G transactions achieving savings as high as 1.25% when full Level II and Level III data is properly passed through.
VISA CEDP Changes — What You Need to Know
In October 2025, VISA® is implementing changes to its Credit Education Data Program (CEDP), which will impact how certain B2B transactions qualify for optimized interchange. While this shift will alter some of the legacy savings opportunities, there are still significant ways to reduce costs when transactions are set up and processed correctly.
How Beach Payments Helps
At Beach Payments, we don’t rely on a one-size-fits-all structure. Instead, we:
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Stay ahead of compliance updates like VISA’s CEDP changes.
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Configure your systems to ensure Level II and Level III data passes through correctly.
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Offer multiple ways to accept payments including ACH transfers, which are often more cost-effective for large B2B transactions.
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Provide flexible tools like virtual terminals and online invoicing, making it easy to accept payments remotely or on the go.
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Integrate with accounting and ERP software to streamline reconciliation, reporting, and cash flow management.
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Continuously monitor performance so you can maintain the best possible interchange rates.
The Bottom Line
With the right setup, your business can still capture substantial savings under the new rules. Beach Payments is here to make sure you don’t leave money on the table while also giving you the flexibility of ACH, invoicing, and integrated solutions to run your business more efficiently.