Level II & Level III interchange optimization
Tax, customer code and line-item data passed automatically so purchasing card transactions drop into the lower interchange tiers.
Payment ProcessingDistribution & trade accounts
Level II/III data that pays for itself on commercial cards
Commercial and purchasing cards qualify for materially lower interchange when the right data goes with the transaction. We enable Level II and Level III processing, add ACH for large invoices, and put invoicing on autopilot.
- Interchange optimization
- Level III
- Flat-cost large tickets
- ACH
- Working capital ceiling
- $5M
Interchange optimization
Flat-cost large tickets
Working capital ceiling
What we hear
The problems b2b & wholesale owners actually call about
- Commercial cards processed at retail interchange rates
- Large invoices where card fees cost hundreds per transaction
- Net-30 terms funded out of your own working capital
- Manual invoice follow-up eating admin hours
How we fix it
ACH and check services for large tickets
Move high-dollar invoices to ACH at a flat cost instead of a percentage, with verification to cut return and fraud risk.
Payment ProcessingCapital against your receivables
Bridge net-30 and net-60 terms with working capital from $5K to $5M funded in 24 to 48 hours.
Capital & Business Lending"Turning on Level III data alone paid for the switch. On purchasing card volume the savings show up on the first statement."
Grant L.
Controller, industrial supply distributor
Questions
B2B & Wholesale FAQs
What does Level III actually save?
It varies by card mix, but qualifying commercial card transactions commonly drop 40 to 100 basis points versus standard interchange. We model it from your statement before you switch.
Can we surcharge B2B customers?
Sometimes, but for commercial accounts ACH and Level III optimization usually deliver more savings with less friction. We'll show you both paths.
Related industries
No obligation
See what b2b & wholesale pricing should cost you.
Send one recent processing statement. Within 24 hours you get a written line-by-line breakdown of your true effective rate and what our program looks like beside it.