Optimize for the New Era of Payments
Unlock the best possible interchange rates for B2B and Utility Payments with Solvit
What is Solvit Interchange Optimization?
Solvit offers specialized processing programs designed to navigate the evolving requirements of major card brands. We help merchants unlock reduced interchange fees by ensuring strict compliance with industry-specific mandates including the latest Product 3 data requirements for B2B transactions and the specialized interchange programs for utility providers (MCC 4900).
Solvit B2B Interchange Optimization
The Future of B2B Payments is Here. Unlock Product 3 processing rates by providing the enhanced data necessary to be verified by the card brands, resulting in a meaningful impact to your bottom line.
Solvit Utility Provider Program (UPP)
Interchange Optimization Built for Utilities. Our specialized payment infrastructure is custom-tuned for Merchant Category Code 4900. We simplify the complexities of card brand regulations to capture specialized utility incentives, allowing providers to maximize cost-efficiency and streamline their bottom line.
How does Solvit Interchange Optimization work?
See how Product 3 data processing reduces your transaction costs in this B2B example or visit the Solvit Utility Payments Program page here to see a utility transaction example.
Captures enhanced invoice + line-item fields required for Product 3 qualification (~15 required fields). Product 3 qualification is only available for certain B2B transactions with commercial cards, or for utility payments with all card types.
Tokenized payment + encrypted Product 3 fields are passed through securely. Processor receives the transaction + qualifying data in the same authorization flow.
- Verified Status: You earn this after 2–3 months of consistently submitting high-quality Level 3 data. Once verified, you receive Product 3 rates at the time of transaction capture.
- Non-Verified Status: All merchants started here in October 2025. You can still get Product 3 rates, but Visa reviews them on a per-transaction basis, and the rate adjustment (rebate) can take up to 30 days to appear.
- Ongoing Monitoring: Visa’s AI-driven system scans for "garbage data." If quality drops (e.g., using placeholders like "N/A" or "Service"), your verified status can be revoked.
- Verified transaction now qualifies for the lowest available interchange rate.
Comprehensive data transfers unlock lower rates.
In this example model this business processes $5M annually and would save $165,000 over three years if their effective processing rate is reduced to 1.85% through Solvit Interchange Optimization. Note that this only applies to eligible card types in the case of B2B transactions. Actual savings will vary from this example.
Solvit B2B Interchange Optimization
Meet the Latest Data Requirements to Avoid Overpaying on B2B Transactions.
Visa CEDP Verified Status – By meeting data standards with the Solvit Gateway, ensure your business qualifies for the lowest possible rates.
Trust Built on Security – PCI-DSS compliant vaulting and tokenization to protect your B2B relationships.
Seamless Integration – Drive efficiencies by streamlining processes while meeting the new standards for payment processing.
Let’s solve your business challenges together
Solvit’s Account Executives are available for a complete audit of your payment processing to help you understand the true impact of Solvit Optimized Interchange