B2BPay Hub

Reference center

B2B payments resources

These are the reference pages we maintain for B2B payment operators: a side-by-side comparison of the payment methods available to licensed businesses in the United States, checklists for merchant account applications and processor shutdowns, a cost calculator that publishes its formulas, a directory of primary regulatory sources, an A–Z glossary, and a state-by-state reference center with review dates.

CalculatorInterchange Savings CalculatorEstimate the annual gap between what your commercial card volume costs today and what it would cost qualifying at Level 3. Enter monthly card volume, average ticket, commercial card share and your current effective rate.Updated September 30, 2026Open resource ChecklistLevel 3 Data Field ChecklistEvery field Visa and Mastercard require for Level 2 and Level 3 qualification, grouped by where the data lives on your side, so you can check whether your systems can actually send it.Updated September 30, 2026Open resource ChecklistMerchant Statement Audit ChecklistRun the analysis on your own statements before you ask anyone for a quote. Establishes your true effective rate, separates markup from pass-through interchange, and finds the downgrades.Updated September 30, 2026Open resource Comparison tableCommercial Card vs ACH Decision GuideWhich rail is cheaper at which invoice size, what each one costs in practice, and where the answer flips. Percentage pricing and flat fees cross over at a point specific to your business.Updated September 30, 2026Open resource Comparison tableERP Connector Compatibility MatrixWhich ERP and accounting systems can transmit full Level 3 data to the card networks, what each one needs to do it, and the questions to ask before assuming yours can.Updated September 30, 2026Open resource DirectoryInterchange Downgrade ReasonsWhat each common downgrade means, why it happened, and whether it is fixable on your side or your processor's. Most are fixable, and most businesses never see them because tiered pricing hides them.Updated September 30, 2026Open resource GlossaryB2B Payments GlossaryPlain definitions of the terms that appear on a merchant statement and in a processing proposal, written so you can read either one without a translator.Updated September 30, 2026Open resource

Topic clusters

Every page on this site belongs to one of fourteen clusters, and each cluster has a single pillar page that its questions, articles, state guides and resources link to — and that links back to them.

B2B Payment Processing

How manufacturers, distributors and suppliers get paid against an invoice, which rails exist, and what each one costs.

49 connected pages

Level 3 Processing

The line-item data standard that qualifies a commercial card transaction for the lowest available interchange.

4 connected pages

Commercial Card Acceptance

Corporate, purchasing and government cards: how they differ from consumer cards and what acceptance costs.

3 connected pages

ACH for B2B

Bank-to-bank settlement for invoices: pricing, timing, returns and authorization requirements.

10 connected pages

High-Ticket Processing

Accepting very large invoices: caps, velocity limits, reserves and the underwriting behind them.

3 connected pages

Interchange Optimization

Why transactions downgrade and how to stop it: data quality, settlement timing and qualification monitoring.

9 connected pages

Interchange-Plus Pricing

Pricing models compared, and how to read what you are actually being charged.

2 connected pages

Statement Audits

Reading a merchant statement line by line to separate markup from pass-through and find the downgrades.

3 connected pages

Payment Cost Reduction

Lowering the total cost of getting paid through rail selection, data quality and terms design.

0 connected pages

ERP Payment Integration

Connecting payments to the system of record so invoices carry full line-item data.

10 connected pages

AR Automation

Reducing days sales outstanding through payment workflow rather than collections calls.

1 connected pages

Underwriting & Reserves

How B2B merchants are underwritten, and what triggers reserves or a review on large volume.

6 connected pages

B2B Chargebacks

Disputes on commercial cards, and how line-item data helps you defend one.

1 connected pages

Payment Security & PCI

PCI scope for B2B sellers: tokenization, hosted fields and keeping card data out of the ERP.

1 connected pages

Educational reference material, not legal, tax or compliance advice. Rules, banking availability and provider policies change; check the linked primary source and the last-reviewed date before relying on anything here.