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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 retail merchant account in that it requires a customized setup to ensure that commercial credit card transactions qualify for the lowest interchange rate possible.

Business cards, fleet cards, purchasing cards, and GSA SmartPay® cards are all examples of commercial credit cards.

To process commercial card payments securely and cost-effectively, a business must have a B2B merchant account in place. Otherwise, your company's profit margins will be negatively impacted as a result of high card processing fees.

Examine Your Credit Card Processing Statement

Do you see ANY of the following terms listed on your most recent credit card processing statement?

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

If the answer is YES, your business is paying too much for credit card processing.

*Avoid* Using Tiered Pricing or Bill-Back Pricing

Tiered Pricing and Bill-Back Pricing are the two most commonly used pricing models for merchant accounts. Unfortunately, both lack transparency and cause the majority of credit card transactions to be downgraded.

When a credit card transaction downgrades, it no longer qualifies for the "target" interchange rate. Instead, the transaction is charged a much higher rate, costing your company more money in interchange fees.

AVOID both of these pricing models because they only benefit the payment processor, who gains a higher profit from your merchant account as a result of the downgrades.

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Tiered Pricing    Bill-Back Pricing

What Is Cost-Plus Pricing?

We use a pricing model known as Cost-Plus Pricing, also known as Interchange Plus Pricing. It works by passing through your credit card transactions at their respective interchange rates with only a small markup.

Interchange rates are the wholesale processing rates set by Visa, MasterCard, and Discover, and they vary depending on card type and transaction type. i.e. swiped, keyed-in, or online.

Cost-Plus Pricing can reduce your monthly credit card processing fees by up to 35% or more, potentially saving your business thousands of dollars in processing fees each year.

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Cost Plus Pricing

Level 3 Payment Processing

Commercial credit card transactions are classified as either Level 1, Level 2, or Level 3.

Level 1 has the highest interchange rates, while Level 3 has 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 includes enhanced transaction reporting, which is required for the majority of government contracts.This improved reporting will speed up the reconciliation process for both you and your clients.

We provide a customized virtual terminal that makes Level 3 processing quick and easy. As a result, your company will benefit from the significant savings provided by Level 3 processing without having to do any additional upfront work.

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Level 3 Processing

American Express OptBlue™

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

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

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 Provide for Free

Contact Us for a Free Rate Quote

Send us a copy of your most recent credit card processing statement, and we will provide you with a detailed rate quote that shows how much money your business will save in processing fees with a B2B merchant account.

Your rate quote will be completed and returned to you within 24 hours.

Contact us to learn more