Purchase orders, net terms, commercial cards and large invoices settled without a percentage-based hit.
Business and corporate cards can qualify for materially better interchange rates when the transaction is submitted with extra data — tax amount, purchase order number, line-item detail. Most B2B merchants never send that data and pay more than they need to on every commercial card transaction. Getting this configured is one of the more concrete savings available in B2B processing.
Pass tax, PO and line-item data so commercial cards qualify for better rates.
Flat-fee bank debits on invoices where a percentage would be painful.
Reconcile payments against the invoice they belong to rather than a bank line.
Separate logins for accounts receivable staff with transaction-level attribution.
If your system can send Level II or III fields, enable them. The rate difference on commercial cards is real.
Above a certain ticket size, a flat fee always beats a percentage.
Corporate, purchasing and rewards cards all cost differently. Knowing your mix is how you negotiate.
Detailed line-item information submitted with a commercial card transaction. It can qualify the transaction for lower interchange.
Yes. Many B2B merchants invoice on terms and include a payment link for card or ACH at the due date.
Rules vary by state and card network, and commercial cards have their own considerations. Get legal confirmation before implementing one.
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.
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