Predictika · Payments

An AI sales agent's commercial card interchange estimate, checked before it goes out

An AI sales agent at a payment processor prepares an interchange cost estimate for a commercial card transaction: the card type, the fee program, the spend tier or ticket size, the percentage rate, the fixed fee and the fee in cents. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the rates in the public Visa USA Interchange Reimbursement Fees supplement and returns a verdict, every reason and the figures it computed.

Scope: Visa USA commercial card interchange: business credit and debit, purchasing and corporate programs, regulated debit, STP and Large Purchase Advantage tiers. See everything this validator covers

This validator models the rate for one commercial card transaction at a time, based on the public Visa USA Interchange Reimbursement Fees supplement (rates effective 18 April 2026), not just the scenarios shown below.

  • Business credit — Business Product 1, 2 and 3, Business Travel, Consumer Bill Payment Service and Non-Qualified rates by spend tier I to V, and the flat $1.50 Business Utility Program.
  • Business debit — card-present, card-not-present, bill payment and non-qualified rates for exempt cards, the regulated rate of 0.05% + $0.21 under Regulation II, and the additional $0.01 for issuers certifying the interim fraud prevention standards.
  • Purchasing and corporate — Commercial Product 3, Level II Fuel, card present, travel service, card not present, bill payment, non-qualified and large ticket programs, Government-to-Government and GSA Large Ticket (purchasing only), the five Straight Through Processing tiers and the Large Purchase Advantage tiers for card-not-present transactions above $10,000.
  • Quote checks — the program must be in the table for the card type, the stated percentage, fixed fee and fee must match the published rate, and a Non-Qualified program goes to a person under a Predictika review policy (not a Visa rule). Amounts are whole US dollars and the fee must round to the stated cents.

Any commercial card transaction that touches these programs is in scope — not only the scenarios pictured here. Not covered: consumer credit, check card and prepaid programs, Small Merchant programs, the performance threshold tiers, international and other transactions, which program a transaction qualifies for, the spend-tier thresholds (the supplement lists none), the merchant discount rate a processor charges, and Mastercard or other networks.

The AI sales agentPrepares the interchange estimate from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

8 scenarios in 4 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A rate that depends on the program, tier or ticket sizeOnly with workarounds
Business credit rates move with the spend tier, STP and Large Purchase Advantage rates with the ticket size, and regulated debit replaces the table rate. A rules-based CPQ needs a table or one rule per combination.		The program, tier, amount and regulation flag are compared together on every call.
Programs that exist for some card types onlyOnly with care
Government-to-Government and GSA Large Ticket are purchasing only; business programs do not exist on a debit card. Each option multiplies the rules.		Each program is checked against the card type in the same request, in any order.
Percentage plus fixed feeOnly with care
The fee comes from the amount times the percentage plus a fixed fee, so a rule has to recompute it and compare, including the rounding.		The stated rate, fixed fee and fee are fields in the request, compared with the computed ones on every call.
Boundaries between tiersOnly with care
A ticket one dollar above or below a threshold lands in a different tier, and boundary rules are easy to get wrong.		Each boundary is a comparison evaluated on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a person often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1A Non-Qualified program means the transaction did not qualify for a lower program; Predictika review policy asks a person to confirm that is intended (this is not a Visa rule).
2Business credit spend tier 6 is outside Tier I to Tier V.
3Business credit spend tier 0 is outside Tier I to Tier V.
4This fee program is not in the published table for the selected card type (business credit, business debit, or purchasing and corporate).
5The additional $0.01 for issuers that certify the interim fraud prevention standards applies to the regulated debit rate only.
6The regulated rate (Regulation II) is modeled for business debit only; credit cards, purchasing and corporate cards use the table rates.
7Government-to-Government and GSA Large Ticket are listed for Purchasing cards only.
8The Large Purchase Advantage tiers apply to card-not-present transactions above $10,000; card-present and $10,000 or less use the Visa Purchasing card rates.
9The quote states a rate of 250 basis points; the published table gives 240.
10The quote states a fixed fee of 20 cents; the published table gives 10.
11The quote states a fee of 40 cents; the rate and amount give 241,000 hundredths of a cent, which does not round to it.
12The transaction amount must be at least 1 dollar; 0 given.
13The quote states a rate of 170 basis points; the published table gives 5.
14The quote states a fee of 29 cents; the rate and amount give 3,050 hundredths of a cent, which does not round to it.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Stated rate against the tier: A Business Product 2 estimate at spend tier III with the wrong percentage

    
The agent's request. Please estimate the interchange on a $4,000 transaction on a Visa Business credit card under the Business Product 2 program (spend tier III). The estimate states a rate of 1.90% (190 basis points) plus $0.10, which is 8,410 cents of interchange. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated percentage rate does not match. The quote states a rate of 190 basis points; the published table gives 210.
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2. Stated rate against the tier: The agent resubmits after fixing the errors

    
The agent's request. Please estimate the interchange on a $4,000 transaction on a Visa Business credit card under the Business Product 2 program (spend tier III). The estimate states a rate of 2.10% (210 basis points) plus $0.10, which is 8,410 cents of interchange. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Rate summary. The table rate is 210 basis points plus 10 cents; on 4,000 dollars that is 841,000 hundredths of a cent of interchange.
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3. Regulated debit rate: A regulated business debit estimate at the exempt rate

    
The agent's request. Please estimate the interchange on a $800 transaction on a Visa Business debit card under the Business Debit, Card Present program (a Regulation II regulated debit card, the issuer fraud prevention adjustment). The estimate states a rate of 1.70% (170 basis points) plus $0.10, which is 24 cents of interchange. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated percentage rate does not match. The quote states a rate of 170 basis points; the published table gives 5.
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  • Stated fixed fee does not match. The quote states a fixed fee of 10 cents; the published table gives 22.
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  • Stated fee does not match. The quote states a fee of 24 cents; the rate and amount give 6,200 hundredths of a cent, which does not round to it.
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4. Regulated debit rate: The agent resubmits after fixing the errors

    
The agent's request. Please estimate the interchange on a $800 transaction on a Visa Business debit card under the Business Debit, Card Present program (a Regulation II regulated debit card, the issuer fraud prevention adjustment). The estimate states a rate of 0.05% (5 basis points) plus $0.22, which is 62 cents of interchange. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Rate summary. The table rate is 5 basis points plus 22 cents; on 800 dollars that is 6,200 hundredths of a cent of interchange.
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5. Large Purchase Advantage: A Large Purchase Advantage estimate on a card-present sale

    
The agent's request. Please estimate the interchange on a $60,000 transaction on a Visa Purchasing card under the Large Purchase Advantage program (card present). The estimate states a rate of 0.60% (60 basis points) plus $52.50, which is 41,250 cents of interchange. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Large Purchase Advantage outside its range. The Large Purchase Advantage tiers apply to card-not-present transactions above $10,000; card-present and $10,000 or less use the Visa Purchasing card rates.
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6. Large Purchase Advantage: The agent resubmits after fixing the errors

    
The agent's request. Please estimate the interchange on a $60,000 transaction on a Visa Purchasing card under the Large Purchase Advantage program (card not present). The estimate states a rate of 0.60% (60 basis points) plus $52.50, which is 41,250 cents of interchange. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Rate summary. The table rate is 60 basis points plus 5,250 cents; on 60,000 dollars that is 4,125,000 hundredths of a cent of interchange.
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7. Program and card type: A Large Purchase Advantage estimate on a $9,000 corporate card sale

    
The agent's request. Please estimate the interchange on a $9,000 transaction on a Visa Corporate card under the Large Purchase Advantage program (card not present). The estimate states a rate of 0.70% (70 basis points) plus $49.50, which is 11,250 cents of interchange. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Large Purchase Advantage outside its range. The Large Purchase Advantage tiers apply to card-not-present transactions above $10,000; card-present and $10,000 or less use the Visa Purchasing card rates.
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8. Program and card type: The agent resubmits after fixing the errors

    
The agent's request. Please estimate the interchange on a $9,000 transaction on a Visa Corporate card under the Commercial Card Not Present program. The estimate states a rate of 2.70% (270 basis points) plus $0.10, which is 24,310 cents of interchange. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Rate summary. The table rate is 270 basis points plus 10 cents; on 9,000 dollars that is 2,431,000 hundredths of a cent of interchange.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent at a payment processor prepares an interchange cost estimate for a commercial card transaction: the card type, the fee program, the spend tier or ticket size, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the rates in the public Visa USA Interchange Reimbursement Fees supplement and returns a verdict, every reason and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
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  3. The agent says. Please estimate the interchange on a $800 transaction on a Visa Business debit card under the Business Debit, Card Present program (a Regulation II regulated debit card, the issuer fraud prevention adjustment). The estimate states a rate of 1.70% (170 basis points) plus $0.10, which is 24 cents of interchange. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with three findings, all in one answer. The quote states a rate of 170 basis points; the published table gives 5. The quote states a fixed fee of 10 cents; the published table gives 22. The quote states a fee of 24 cents; the rate and amount give 6,200 hundredths of a cent, which does not round to it.
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  6. The validator returned three blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
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  7. What this shows: for percentage plus fixed fee, a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the stated rate to 5 basis points, the stated fixed fee to 22 cents and the stated fee to 62 cents.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All three earlier findings are cleared, and the validator's figure matches the quote.
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  13. Three problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    14.