Wholesale Distributors
Hundreds of invoices a week, half of them paid on a corporate card over the phone. We set up Level 3 capture, ACH for the large ones, and reporting that matches the ERP.
You're Probably Paying Non-Qualified Interchange on Every Commercial Card
Most B2B sellers downgrade every commercial card they take. Three months of statements tells you what it costs.
No obligation review Clear explanation of every option and tradeoff
Payments Console
Illustrative view
Interchange qualification
Level 3 · qualifying
Line items Freight PO number
Monthly card volume
Sample trend, not a client figure
Payment methods enabled
Level 3 card
Line-item data sent
ACH
Flat fee, large invoices
Interchange-plus
Markup disclosed
Processing health
Nominal
Integration status
ERP connected
Qualification
Level 3
Settlement status
Batch settling · next business day
Transaction activityStreaming
Reserve / hold flagsNone on file
Interface illustration. Labels and values are generic examples, not customer data or performance claims.
How we calculate this
What you would save depends on your card mix, the data your systems can transmit and your current pricing. We do not quote a rate or promise a saving before reviewing your statements.
What we work on every day
Level 3 Optimization
Commercial Card Acceptance
ACH for Large Invoices
B2B ACH & Bank Payments
High-Ticket Acceptance
Statement & Fee Review
5
Payment methods compared
Best use, advantage, limitation and availability for each
12
Questions answered
Sourced, dated and reviewed by a specialist
0
Claims we cannot verify
No approval rates, client counts or bank relationships
Why operators work with us
Built around how B2B invoicing actually works
Five things we hold ourselves to on every account. They describe how we work, not outcomes we cannot promise and numbers we have not verified.
How we workReal client results will be published as approvals are received and each operator confirms in writing what we may share.
Specialized B2B interchange expertise
B2B invoicing businesses are the only accounts we work on. We scope by card mix, state program and product mix rather than treating every merchant as generic high risk.
- Card, ACH and invoice volume scoped separately
- Underwriting files prepared, not guessed at
Payment integration expertise
Payments have to land inside the software you already run. We plan the connection to your point-of-sale, e-commerce menu and accounting stack before anything goes live.
- POS, delivery and online checkout mapping
- Reconciliation checked through first settlement
Responsive support
Payment problems are time-sensitive. When funds are held, a reserve appears or a terminal stops taking payments, you reach a person who already knows your setup.
- A named point of contact on your account
- Escalation path documented before you need it
Transparent pricing review
We read your current statements line by line and show where the cost actually sits (rate, per-item, monthly, equipment and third-party fees) before recommending anything.
- Written breakdown of every fee we find
- Trade-offs stated, including what a change cannot fix
Multi-state B2B payment guidance
Operating across states means different regulators, different retail rules and different payment realities. We keep state-level references current and cite the official source.
- State guides with a visible last-reviewed date
- Multi-site setups standardized across locations
Who we work with
B2B businesses, at every stage of the payments problem
B2B payments are not one market. What is available to a licensed distributor is different from a distribution brand, a delivery operator or an ancillary vendor, so we scope each one separately.
Scope your business typeManufacturers
Large tickets, progress billing and purchasing cards from procurement teams. We underwrite the account for the real ticket size so a $60,000 payment is not held for review.
MRO & Industrial Supply
Thousands of SKUs, blanket purchase orders and purchasing cards on almost every order. We set up Level 3 data capture so the interchange on those cards is the commercial rate, not the retail one.
Lumber & Building Materials
Contractor accounts, yard and delivery sales, and deposits on special orders. We connect payments to the yard system and bill contractor accounts by ACH or card without rekeying.
B2B E-Commerce & Portals
Customer portals and online ordering with net terms, saved payment methods and Level 3 data on every card checkout, reviewed before launch, not after.
Multi-Branch Operators
Several branches set up by several salespeople over the years, each on different pricing. We standardize pricing, hardware and reporting across locations.
Businesses Paying Too Much
A statement that reads as one blended rate hides commercial-card downgrades and padded fees. We audit it line by line and show what Level 3, ACH and interchange-plus would change.
Held or Restricted Accounts
Funds held, reserves applied or ticket caps imposed after growth outran the original underwriting. We help you understand the stated reason and rebuild with an account sized to the business.
Payment methods, side by side
Compare what B2B businesses can actually accept
Each method below carries a different trade-off in cost, funding speed, customer experience and stability. Best use, main advantage, main limitation and availability are on the card, nothing is hidden behind a hover state.
Corporate & purchasing cards
Commercial Cards with Level 3
Best use: Sellers whose customers pay invoices with corporate, purchasing or fleet cards.
Main advantage: Passing Level 2 and Level 3 line-item data qualifies those cards for lower commercial interchange instead of the default rate.
Main limitation: Only works if the data is actually captured on every transaction. A gateway or terminal that cannot prompt for it leaves the rate where it was.
Availability & risk: Depends on the card type (consumer cards do not qualify), the gateway or ERP connector, and the processor passing the data through.
Bank-to-bank
ACH
Best use: Recurring invoices, large payments and customers who would otherwise mail a check.
Main advantage: A flat fee per transaction rather than a percentage, so a $50,000 invoice costs about what a $500 one does.
Main limitation: Not instant, returns take days to surface, and the authorization has to be collected and stored correctly.
Availability & risk: Broadly available through processors, AR platforms and bank APIs. Same-day ACH and return handling vary by provider.
Keyed & emailed
Virtual Terminal & Invoicing
Best use: AR teams taking card payments by phone, or emailing a pay-now link on the invoice.
Main advantage: No hardware, and a good virtual terminal prompts for the Level 3 fields on a keyed commercial card.
Main limitation: Keyed transactions carry higher interchange than card-present, and many virtual terminals cannot pass Level 3 at all.
Availability & risk: Offered by most gateways. Whether it supports enhanced data is the question to ask before signing.
$5,000 and up
High-Ticket Processing
Best use: Equipment, bulk orders, deposits and progress billing in the tens of thousands.
Main advantage: An account underwritten for large tickets does not hold or decline a legitimate $40,000 payment.
Main limitation: Needs real underwriting: financials, processing history and an honest average and maximum ticket on the application.
Availability & risk: Depends on the acquirer's appetite for the ticket size and industry. Reserves are possible on new accounts.
Pass the cost through
Surcharging & Fee Programs
Best use: Sellers who want customers paying by credit card to carry the card cost.
Main advantage: Can remove most card cost from the seller's side when run correctly.
Main limitation: Debit cards cannot be surcharged, several states cap or restrict it, and the networks require registration and disclosure.
Availability & risk: Legal in most states with conditions. The rules are the product; a program that ignores them creates fines, not savings.
Which methods are available to you depends on your state, license type, product mix and the underwriting policy of the sponsoring bank or processor. Nothing above is a guarantee of approval, card-brand acceptance, or of compliance with state or federal law.
What we set up
Payment options explained in plain terms
Every option below carries trade-offs in cost, funding speed, customer experience and stability. We tell you all four before you sign anything.
Commercial Card Acceptance
Placement with processors and banks whose written underwriting policy covers your card mix and products, plus the documentation package that gets reviewed faster.
ACH & Bank Payments
Bank-to-bank collection for invoices, wholesale, B2B and recurring charges, with return handling and funding timelines explained before you go live.
In-Store & Debit-Style Payments
Counter payment methods where they are legally and operationally supported in your state, including cash-management and terminal workflows that hold up at close.
Recurring & Wholesale Billing
Scheduled billing for memberships, delivery subscriptions and supplier terms, with dunning rules instead of manual chasing.
Statement & Fee Review
A line-by-line read of what you are paying now: markups, reserve terms, monthly minimums, chargeback fees and the clauses that let a processor change them.
Downgrade Monitoring
Qualification reported every month by card type, so the day a required field stops populating you find out from us rather than from a year-end review.
Which methods are available to you depends on your state, license type, product mix and the underwriting policy of the sponsoring bank or processor. Nothing here is a guarantee of approval, card-brand acceptance, or of compliance with state or federal law.
What actually goes wrong
The problems B2B sellers keep hitting
01
Underwriting
Applications priced or declined over an understated average ticket, thin financials or a vague description of what is sold - usually fixable, rarely explained.
02
Downgrades
Commercial cards settling at the non-qualified rate because no Level 2 or Level 3 data travelled with the transaction.
03
Account holds
Deposits paused while a risk team reviews volume spikes, ticket size changes or a single large flagged transaction.
04
Reserves
A rolling or capped reserve withholding a share of your revenue, often without a clear release schedule in writing.
05
Declined large payments
A legitimate $40,000 card payment refused because the account was underwritten for a $500 average ticket.
06
Transaction restrictions
Caps on ticket size, monthly volume or refund windows that quietly limit how you sell.
07
Data that never reaches the network
The line items Level 3 requires are already on your invoice. If payment is taken in a separate terminal, none of it travels with the transaction.
08
Fees
Blended pricing, unexplained line items, PCI charges and month-to-month rate drift with no statement your team can audit.
09
Integrations
Payments that never reach your ERP or accounting file, so someone rekeys totals and applies cash by hand every night.
10
Limited payment methods
Paper checks and card-only invoicing that cost you days of float, lockbox fees and the interchange on every commercial card.
Integrations
Payments Should Reach the Systems You Already Report In
B2B sellers run on a stack they did not entirely choose - an ERP, an order-entry system, a customer portal, an invoicing tool and accounting. We connect payment records to those systems so daily totals, fees and deposits reconcile without manual entry.
We confirm what your specific platform supports before scoping any integration, we do not list partnerships we have not verified.
Payments
POS
ERP
Accounting
CRM
Practice Mgmt
Field Service
Ecommerce
Custom Software
Counter and Branch POS
Terminal behavior, Level 3 prompts, tender types and end-of-day totals that match the POS your branches already run.
Confirmed before we scope itCash Application
Payment records that land against the right invoice in your ERP, so AR does not reconcile by hand.
Confirmed before we scope itAccounting & ERP
Deposits, fees and refunds posted to the right accounts instead of rekeyed each night.
Confirmed before we scope itInvoicing & AR Platforms
Pay-now links on the invoice, ACH and card on the same page, and the remittance detail written back automatically.
Confirmed before we scope itCustomer Portals & E-Commerce
Checkout, saved payment methods, net terms and Level 3 data on card payments, reviewed before launch.
Confirmed before we scope itRecurring & Progress Billing
Deposits, milestones and recurring invoices collected on schedule with the records tied to the job.
Confirmed before we scope itInventory & Order Entry
Line-item detail carried from the order to the transaction so Level 3 is populated without anyone typing it twice.
Confirmed before we scope itCustom Software
Gateway and API work for in-house systems, scoped after we confirm what the platform exposes.
Confirmed before we scope itHow we work
A three-step process, run by one team
STEP 01
Review
We look at your card mix, products, state, current processing statements, software and any decline, hold or termination notices you have received.
STEP 02
Recommend
You get the payment methods realistically available to you, what each costs, how fast it funds, what could put it at risk, and what we cannot support.
STEP 03
Implement
We prepare the underwriting file, coordinate setup and integration, train your staff, and stay on as the contact when something changes.
Common questions
Straight answers, before a call
These are the questions we field most often. Each one links to the full answer with caveats, sources and the date it was last reviewed.
Educational information about payments only. Nothing here is legal, tax or compliance advice, and rules change by state and over time.
Why trust us
We would rather show you nothing than show you something invented
B2B payments attract inflated claims, guaranteed approval, card-brand acceptance, named bank relationships. We do not make them. Here is what we will publish, and only once it is verified.
Our specialists
Named bios for the people who handle underwriting, integrations and escalations are being published here. Ask us who would own your account and we will tell you before you sign.
About B2B Pay HubCase studies
We publish results only with written client permission and verified numbers. Our first B2B case studies are in review, and this space stays empty until they clear.
Case studiesIntegrations
We list a platform only after we have completed a live integration with it and can name the workflow. Tell us your POS or accounting system and we will confirm what is supported.
IntegrationsCustomer feedback
No invented testimonials appear on this site. Reviews and references will be added here as clients approve them, with name and company attached.
Talk to a specialistFind Out Which Payment Options Your B2B Business Can Actually Use
Send us your card mix, products, software and current statements. You get a written summary of the methods available to you, what each costs, and where the risk sits.