Verisave, Optimized Payments, and Fee Navigator Introduce AI Tool for Visa Compliance

New AI-Powered Tool for Visa CEDP Compliance

In a significant advancement for the payments industry, Verisave, Optimized Payments, and Fee Navigator have teamed up to create an innovative AI-powered compliance verification tool aimed at helping B2B merchants navigate the complexities of Visa's Commercial Enhanced Data Program (CEDP). Launched on February 25, 2026, this free tool offers merchants a swift assessment of their compliance status under new data quality standards introduced by Visa.

The Challenge of Compliance

Visa's CEDP, which commenced enforcement on October 17, 2025, has fundamentally altered how merchants qualify for reduced interchange rates on transactions executed via commercial cards. With CEDP, Visa utilizes AI for validating the accuracy and completeness of enhanced transaction data. Unfortunately, many merchants have faced compliance issues, leading to reclassification and significant financial repercussions. For instance, some companies have reported cost increases exceeding $500,000 as a result of failures to meet the new compliance standards.

Instant Assessment with AI Technology

Available at cedp-verified.com, the new tool leverages AI technology, combined with extensive payments expertise and processor statement analysis, to deliver quick results. Merchants receive real-time assessments upon submitting their statement, enabling them to identify compliance gaps and understand potential savings opportunities. The AI engine flags risky transactions and assesses the likelihood of a downgrade under CEDP’s standards, tasks that would typically require extensive manual effort by payments consultants.

Unique Industry Collaboration

What makes this initiative particularly noteworthy is the collaboration among three notable firms across different sectors of the payments ecosystem. Verisave focuses on reducing credit card processing fees for merchants, while Optimized Payments specializes in payments analytics and strategic advisory services. Fee Navigator contributes its technological proficiency in statement analysis, enhancing the tool’s capabilities. Together, they bring a wealth of knowledge and experience, aimed at helping merchants optimize their payment processes and mitigate potential financial losses.

Jeremy Layton, CEO of Verisave, emphasized the importance of this collaboration, stating, "Given the scale of CEDP's changes, we felt a collective responsibility to assist merchants in avoiding further financial distress. This tool will serve as an essential resource for compliance with Visa's latest requirements."

Anand Goel, CEO of Optimized Payments, added, "CEDP isn't just about reporting; it's fundamentally about how data is structured and validated. This tool provides immediate insight so merchants can proactively manage compliance before costs begin to escalate."

Adrian Talapan, CEO of Fee Navigator, recognized the transformative nature of CEDP, noting how their involvement empowers various stakeholders within the payments ecosystem to attain greater transparency and efficiency.

Conclusion

With compliance standards tightening, tools like the AI-powered verification solution from Verisave, Optimized Payments, and Fee Navigator are proving invaluable for B2B merchants. The availability of such resources allows businesses to swiftly evaluate their status and avoid costly repercussions related to compliance failures. By embracing technology and analytics, the payments industry is moving toward a more streamlined and efficient future, fostering better business practices for merchants everywhere.