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B2B Merchant Account

Customized B2B Payment Processing Solutions

A B2B merchant account is for any business that frequently sells to other businesses or government agencies. It differs from a standard merchant account in that it requires a more customized setup to ensure that commercial credit card transactions qualify at their lowest possible interchange rates.

Commercial credit cards is a term used to describe business cards, corporate cards, fleet cards, purchasing cards, and GSA SmartPay® cards.

It's crucial that your merchant account be setup to process commercial card payments securely and cost-effectively, or else your business will suffer rapidly shrinking profit margins due to high processing fees, and your payment environment will be vulnerable to hackers.

Look At Your Credit Card Processing Statement

Do you see ANY of the following downgrades listed on your recent monthly statement?

  • Qualified or Qual
  • Mid-Qualified or MQual
  • Non-Qualified or NQual
  • Standard or STND
  • Electronic or ELEC
  • Level 1
  • EIRF
  • DR1
  • CNP
  • Bill-Back - example: JUN BB195 Transaction Cleared...

If the answer is YES, this indicates that your merchant account is setup incorrectly, and your business is overpaying for credit card processing.

*Avoid* Using Tiered Pricing or Bill-Back Pricing

The two most commonly used pricing methods for merchant accounts are Tiered Pricing and Bill-Back Pricing. Both lack transparency and cause a majority of credit card transactions to downgrade.

When a credit card transaction downgrades, it does not qualify at its "target" interchange rate. Instead, it receives a much higher rate, which in turn costs your business more money in processing fees.

Be sure to AVOID both of these pricing methods because they only benefit the payment processor who reaps increased profit off of your merchant account from the downgrades.

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Tiered Pricing    Bill-Back Pricing

What is Cost-Plus Pricing?

The pricing method that we use is called Cost-Plus Pricing, also known as Interchange Plus Pricing. It works by passing through your credit and debit card transactions at their respective interchange rates with only a small markup added.

Interchange rates are the wholesale processing rates set by Visa, MasterCard, and Discover and they differ according to card type and transaction type. i.e., swiped, key-entered, or online.

Cost-Plus Pricing can reduce your monthly credit card processing fees up to 35% or more, which could save your business thousands of dollars in processing costs annually.

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Cost Plus Pricing

Level 3 Payment Processing

Commercial credit card transactions fall into one of three processing categories: Level 1, Level 2 or Level 3. With Level 1 being the highest rates and Level 3 being the lowest. By qualifying your commercial card transactions at Level 3, you can save up to 1.5% on their interchange rate.

Level 3 Processing also provides enhanced transaction reporting which is a requirement for most government contracts. This enhanced reporting will make the reconciliation process a lot faster for both you and your clients.

We offer a customized virtual terminal that makes Level 3 Processing quick and easy. Your business can benefit from the substantial savings that Level 3 Processing provides, without doing any additional up-front work.

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Level 3 Processing

American Express OptBlue™

AMEX OptBlue provides your business with the highest level of service and support by consolidating all of your credit card processing under one roof.

We directly handle your AMEX billing, funding, and customer support in-house, allowing us to become your single point of contact for all credit card processing matters.

We will reduce your American Express discount rates by a minimum of .25% — guaranteed!

AMEX OptBlue Highlights:

  • Lower Discount Rates
  • Lower Transaction Fees
  • No Monthly Statement Fee
  • Next Day Funding On Deposits
  • Consolidated Monthly Reporting

Value-Added Benefits That We Offer for Free

Stop Overpaying For Credit Card Processing

Contact us today for a no-obligation Free Rate Quote. Send us a copy of your recent credit card processing statement, and we will complete a detailed rate quote showing how much money your business will save in processing fees with a B2B merchant account. Your quote will be completed and sent to you within 24 hours.

Contact us to learn more