B2B Payment Insights
Guidance for teams that run payments every day
New analysis published daily on processing costs, software integrations, ACH, recurring billing, embedded payments, and reconciliation — written by the specialists doing the work.
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B2B Payment Processing
How manufacturers, distributors and suppliers actually get paid: which rails exist, what each costs, and how money settles against an invoice.
Level 3 Processing
Level 2 and Level 3 data: the line-item fields that qualify a commercial card transaction for the lowest interchange available.
Commercial Card Acceptance
Corporate, purchasing and government cards: how they differ from consumer cards, why they downgrade, and what acceptance really costs.
ACH for B2B
Bank-to-bank settlement for invoices: ACH pricing, same-day ACH, returns, authorization and when it beats a card outright.
High-Ticket Processing
Large-invoice acceptance: velocity limits, per-transaction caps, reserves and the underwriting behind five- and six-figure payments.
Interchange Optimization
Why transactions downgrade and how to stop it: data quality, settlement timing, card-type routing and qualification monitoring.
Interchange-Plus Pricing
Pricing models compared: interchange-plus against tiered and flat-rate, and how to read what you are actually being charged.
Statement Audits
Reading a merchant statement line by line: identifying downgrades, padded fees and the difference between markup and pass-through.
Payment Cost Reduction
Lowering the total cost of getting paid: rail selection, data quality, terms design and where the savings actually come from.
Surcharging & Fee Recovery
Surcharging, convenience fees and cash discounting in a B2B context, including where card-brand rules and state law constrain them.
ERP Payment Integration
Connecting payments to the system of record — NetSuite, Sage, QuickBooks, Acumatica, Epicor, SAP Business One — so invoices carry full line-item data.
AR Automation
Reducing days sales outstanding: invoice presentment, autopay, saved tokens, dunning and getting AR staff out of a virtual terminal.
Invoicing & Net Terms
Net 30/60/90 in practice: early-pay discounts, terms design, credit exposure and how payment method interacts with terms.
Reconciliation & Reporting
Settlement reporting that ties to the general ledger: deposit matching, fee allocation, multi-entity reporting and month-end close.
B2B Chargebacks
Disputes on commercial cards: why B2B chargebacks differ from retail, what evidence wins, and how line-item data helps you defend one.
Payment Security & PCI
PCI DSS scope for B2B: tokenization, hosted fields, keeping card data out of the ERP, and stopping cards being emailed to AR.
Underwriting & Reserves
How B2B merchants are underwritten: financials, ticket size, concentration risk, reserves and what triggers a review on large volume.
Lumber & Building Materials
Lumber yards, millwork shops, hardwood dealers and building-material suppliers: contractor accounts, large tickets, deposits and progress billing.
Manufacturing Payments
Discrete and custom manufacturers: deposits against work orders, progress payments, long production cycles and purchase-order matching.
Wholesale Distribution
Distributors and industrial suppliers: high invoice counts, thin margins, commercial-card-heavy mix and interchange as a real line item.