Wholesale Distribution
High invoice counts and thin margins, where interchange is a genuine line item.
Distributors process a lot of invoices at low margin, and a meaningful share of their customers pay by commercial card. At that volume and that margin, the difference between qualified and non-qualified interchange stops being a rounding error and becomes a number the CFO can see.
Industry payment challenges
- High invoice count, so per-transaction inefficiency compounds fast.
- Gross margins thin enough that interchange moves net profit.
- Commercial-card-heavy customer mix with no line-item data being sent.
- AR staff keying payments rather than taking them against the invoice.
- No visibility into which customers cost the most to collect from.
Relevant services
Modern card processing built around your business, not a template.
Learn moreLine-by-line statement work that removes real cost — not marketing math.
Learn morePayments wired into the systems that already run your business.
Learn moreA written, line-by-line analysis of what you actually pay for.
Learn moreCommon software integrations
Payment acceptance connected to the ERP where finance actually lives.
Learn morePayments that post themselves into your books.
Learn moreWhen a certified integration does not exist, we build one that behaves like it does.
Learn moreRecommended payment methods
- • Commercial and purchasing cards
- • ACH for high-volume trade accounts
- • Card-not-present against open invoices
- • Autopay on standing orders
- • Customer payment portal
Reporting needs
- • Cost to collect, by customer and by payment method.
- • Qualification rate across the commercial card book.
- • DSO by customer segment.
Security considerations
- Card data tokenized in the gateway, never stored in the ERP or on a quote.
- Hosted payment fields so PCI scope stays with the gateway, not your AR desk.
- Role-based access so counter staff cannot see full card numbers or run refunds.
Implementation Process
- 1
Statement review
You send three months of statements and a sample invoice. We return a line-item breakdown of what is downgrading and what it costs per year.
- 2
Connector and field mapping
We map your invoice fields to the Level 3 data the card brands require, through your ERP connector rather than a virtual terminal.
- 3
Test and cut over
Test transactions confirm qualification before anything moves. Cutover happens between billing cycles.
- 4
Verify the first full month
We compare actual qualification rates against the projection and report the difference. If it did not land, we say so.
Related case studies
All case studies →Line-item data added at the ERP; qualification measured monthly.
Frequently asked questions
How much can a distributor actually save?+
It depends entirely on how much of your volume is commercial card and how much is currently downgrading. That is what the statement review answers before anyone quotes you a rate.
Is ACH always cheaper than a card?+
Usually on a large invoice, yes. But some customers will only pay by card, and for those the answer is Level 3, not a fight about rails.
Do we have to switch ERPs?+
No. The point is to connect payments to the ERP you already run.
Talk to an industry specialist
Tell us about your setup — we'll return honest, industry-specific recommendations.
Ready to see what your setup could look like?
Book a working session focused on wholesale distribution. Clear recommendations, no obligation.
- • 150+ software platforms reviewed
- • 1,500+ merchant environments evaluated
- • Under 24-hour average response time
- • 7–14 business day onboarding