Stop overpaying interchange on every B2B card sale.
Commercial cards cost close to 3% when your line items fail Visa's new quality checks. Tierback fixes your Level 2 and Level 3 data before it reaches Adyen or Stripe, so you keep the lower rate.
Savings reach you on Interchange++ pricing. On blended pricing the interchange reduction stays with your gateway.
Stop overpaying interchange on every B2B card sale.
We fix your Level 2 and Level 3 data before it reaches Adyen or Stripe, so you keep the lower rate.
Is this sale getting the low rate?
Two versions of the same Adyen sale. Pick one and see what Visa and Mastercard do with it.
{ "amount": { "value": 128450, "currency": "USD" }, "billingAddress": { "postalCode": "75201", "country": "US" }, "enhancedSchemeData": { "levelTwoThree": { "customerReferenceNumber": "PO-88213", "totalTaxAmount": 9450, "freightAmount": 4000, "shipFromPostalCode": "77002", "destination": { "stateOrProvince": "TX", "countryCode": "US" }, "itemDetailLines": [{ "description": "Services", "commodityCode": "", "productCode": "SKU-4471", "quantity": 50, "unitOfMeasure": "EA", "unitPrice": 2300, "totalAmount": 115000 }] } } }
{ "amount": { "value": 128450, "currency": "USD" }, "billingAddress": { "postalCode": "75201", "country": "US" }, "enhancedSchemeData": { "levelTwoThree": { "customerReferenceNumber": "PO-88213", "totalTaxAmount": 9450, "freightAmount": 4000, "shipFromPostalCode": "77002", "destination": { "stateOrProvince": "TX", "countryCode": "US" }, "itemDetailLines": [{ "description": "Services", "commodityCode": "", "productCode": "SKU-4471", "quantity": 50, "unitOfMeasure": "EA", "unitPrice": 2300, "totalAmount": 115000 }] } } }
- "Services" doesn't say what was sold.
- The line has no commodity code.
- The destination ZIP code is missing.
Stays on your processor
Keep your Adyen or Stripe account and contract. We work on top of it, so there is no new gateway and no migration.
Never invents data
We fix format and consistency in the data you already send. We never fill a field with placeholder values, like zero freight or a generic unit, just to pass a check.
Sending Level 3 data isn't enough anymore. It has to be good.
Visa now checks whether your line items are accurate and descriptive. Sales that fail pay the standard commercial rate, and nothing tells you at checkout.
Visa grades your data
Line items like "Product" or "Services", or a description that repeats your company name, get you flagged as non-verified.
Level 2 is gone
Visa retired its Level 2 rate for commercial cards in April 2026, except fuel. Now it's Product 3, Visa's Level 3 under CEDP, or full price.
Downgrades are silent
Your gateway accepts the payment. The extra fee only shows up on next month's processing statement.
How much interchange are you giving away?
Use your own numbers. Rates are editable because every contract is different.
Volume × share not verified × 0.90%: the illustrative 2.70% minus Visa Product 3 at 1.75% and the 0.05% CEDP fee charged on every Visa sale sent with line items. Assumes every fixed sale reaches Product 3. Savings reach you only on Interchange++; on blended pricing they stay with your gateway.
This is an average. See your real number from your Adyen or Stripe fee report. Run a free diagnostic
One API call between your invoice and your gateway.
- 01
Validate
See which sales miss the low rate and the exact rule each one breaks.
- 02
Score
A 0 to 100 quality score tells you, before Visa does, if a sale will pass CEDP.
- 03
Enrich
Turn your invoice into qualifying line items: commodity codes, units and clean descriptions. Never a made-up number.
- 04
Translate
Get the exact payload Adyen or Stripe expects, field limits included.
{
"result": { "visa": "product_3", "mastercard": "data_rate_3" },
"best": { "visa": "product_3", "mastercard": "data_rate_3" },
"quality": { "score": 92, "band": "likely_to_qualify" },
"impact": {
"estimatedCostDelta": { "amount": 0, "currency": "USD" },
"assumptions": { "rates": "illustrative-us-visa-2026-10-24-mc-2026-04-17" }
},
"findings": [{
"rule": "EXAMPLE.RULE@1",
"pointer": "/lines/2/description",
"severity": "warning"
}],
"catalog": { "version": "2026.11.1", "hash": "…" }
}See every call, every sale and every dollar saved.
The API does the work. The dashboard shows you what's happening and proves the savings to your finance team.
- API activity liveRequests, errors and latency, per key and per endpoint.
- Savings you can reportInterchange saved and still at risk, by month, at published rates.
- Insights on what to fix nextThe rules that cost you the most money, and the merchants where they happen.
- Enrichment you can audit Coming soonEvery field the API filled, where it came from, and the products still missing a code.
Integrate once. Every merchant on your platform pays less.
For payment companies and platforms that process corporate card payments for B2B sellers on Adyen or Stripe, and for ISVs and B2B SaaS that bill through them. Send the merchant with each call. We roll savings, risk and fixes up per merchant, so you can show every customer what you saved them.
One integration, all merchants
Send the merchant with each call. Savings and risk roll up per merchant.
A savings story you can sell Coming soon
Show each customer what you saved them. Turn lower fees into a feature.
Rules you can audit
Every finding cites a versioned rule and its source, and every response names the catalog version.
Batches and webhooks
Check a month of invoices in one batch. Get results by webhook.
We never see a card number.
Tierback works only with order data: amounts, tax and line items. Anything that looks like a card number is rejected before it's read.
"metadata": {
"note": "4111 1111 1111 1111"
}422 pan_detected
{
"title": "Card number detected",
"detail": "Not stored or logged."
}What finance and engineering ask first
Still unsure? Check a real sale, or talk to us about API access.
How much can we actually save?
It depends on your card mix and contract. On US Visa corporate and purchasing cards the gap between card not present (2.70%) and Product 3 (1.75%) is 0.95 points; after the 0.05% CEDP fee you keep 0.90% of that volume (illustrative rates, est.). The diagnostic reads your Adyen or Stripe fee report and gives your real number.
Does this work on Stripe's standard pricing?
Not for savings. On Stripe's standard blended pricing you pay one rate, so the interchange reduction stays with Stripe. Savings reach you on Interchange++, on Stripe or Adyen. The data quality checks still work on any pricing.
Who is Tierback for?
Businesses that accept corporate and purchasing cards on Adyen or Stripe, and the platforms that process those payments for them: payment companies, ISVs and B2B SaaS.
Do we have to change gateways?
No. Tierback sits before your Adyen or Stripe call and returns the payload in their format.
Does enrichment invent data?
Never. Enrichment only fills fields it can derive from your invoice or catalog, and shows where each one came from. Amounts are never changed.
Is the quality score Visa's score?
No. Visa's checks aren't public. Our score applies the published CEDP criteria and gateway rules so you can fix problems before they cost you.
Every non-verified sale is margin you give away.
Upload last month's Adyen or Stripe fee report and see what you left on the table. Free with an account.
Rates shown are illustrative US Visa commercial rates. Your rates depend on card type, MCC, volume and contract.