Vigilant — Field Notes https://www.vigilantpayments.com/field-notes Dated notes on rule changes, network programmes and things worth checking. Every note carries its source. en-us Wed, 26 Aug 2026 00:00:00 GMT Visa retired Level 2 in April. Most B2B merchants have not noticed. https://www.vigilantpayments.com/field-notes/visa-cedp-replaced-level-2-and-3 https://www.vigilantpayments.com/field-notes/visa-cedp-replaced-level-2-and-3 Wed, 26 Aug 2026 00:00:00 GMT rule-change Visa's Level 2 interchange programme ended on 18 April 2026, replaced by the Commercial Enhanced Data Program. If you sell to other businesses and someone set up Level 2 for you years ago, the Visa half of that saving is gone and it does not show as a line item. Source: Visa USA Interchange Reimbursement Fees, 18 April 2026 (PDF) — https://usa.visa.com/content/dam/VCOM/download/merchants/visa-usa-interchange-reimbursement-fees.pdf Source: Finix — Visa's CEDP: what the end of Level 2 & 3 means for B2B — https://finix.com/resources/blogs/visa-level-2-3-programs-changing-cedp Source: Beacon Payments — Visa's Level 2 interchange is sunsetting — https://www.beaconpayments.com/blog/crucial-update-visas-level-2-interchange-is-sunsetting-what-b2b-merchants-need-to-know-for-2026 Source: CardFellow — Visa Business Product 1 and Business Product 2 interchange — https://www.cardfellow.com/blog/visa-business-product-1-business-product-2-interchange/ Florida restaurants have to spell out the service charge from July https://www.vigilantpayments.com/field-notes/florida-operational-charge-disclosure https://www.vigilantpayments.com/field-notes/florida-operational-charge-disclosure Tue, 25 Aug 2026 00:00:00 GMT rule-change From 1 July 2026, Florida restaurants must disclose any automatic non-tax charge on the menu, the website, the bill and the receipt. If you add a service charge, kitchen fee or card surcharge, it has to be visible before someone orders. Source: Greenspoon Marder — Florida's new law on food service operational charges — https://www.gmlaw.com/news/tips-on-tips-floridas-new-law-on-food-service-operational-charges/ From October 2026, Visa wants to know exactly who is touching your account https://www.vigilantpayments.com/field-notes/visa-third-party-agent-registration https://www.vigilantpayments.com/field-notes/visa-third-party-agent-registration Tue, 25 Aug 2026 00:00:00 GMT rule-change Visa's Third Party Agent rules require acquirers to register and oversee the ISOs, agents and service providers involved in a merchant account. It is a good moment to find out how many parties are actually in yours. Source: Visa Core Rules and Visa Product and Service Rules (public) — https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules-public.pdf If someone quotes you VDMP or VFMP, they are working from old rules https://www.vigilantpayments.com/field-notes/visa-vamp-replaced-vdmp-vfmp https://www.vigilantpayments.com/field-notes/visa-vamp-replaced-vdmp-vfmp Tue, 25 Aug 2026 00:00:00 GMT industry Visa replaced VDMP and VFMP with a single programme, VAMP, on 1 April 2025. The old names are still quoted in sales conversations and onboarding packs more than a year later, which tells you something about how current the rest of the pack is. Source: Chargeback Gurus — Visa Acquirer Monitoring Program — https://www.chargebackgurus.com/visa-acquirer-monitoring-program-vamp