B2B and B2G Payments

Unlock Hidden Savings with Interchange Optimization: Lower Your Fees, Maximize Your Profits!

Interchange Optimization

Many business-to-business (B2B) and business-to-government (B2G) merchants unknowingly leave money on the table when it comes to processing fees. While merchant account fees are a standard part of doing business, our gateway helps significantly reduce these costs on most transactions. Many merchants and processors tend to focus on the surface-level rates to secure the best deal. While that helps, the real savings come from optimizing interchange rates.

What is Interchange?

Interchange refers to the rates and fees that credit card issuing banks charge to cover the handling and risk associated with credit or debit card transactions. These rates are set by Visa, Mastercard, Amex, and Discover. Regardless of the card brand, processor, or merchant, interchange fees apply to every transaction. Each transaction is categorized into an interchange "category," with an assigned rate and fee. There are hundreds of these categories. Interchange rates can go as high as 3.25%, and several factors determine the cost, such as cardholder benefits and perceived risk.

How Interchange Optimization Works

While each interchange level has a pre-determined rate set by the card brands, many transactions can qualify for lower-cost tiers. This is where Level 2 and Level 3 data come into play. B2B and B2G merchants can save up to 1.15% on transactions when they utilize Level 2 and Level 3 data effectively.

Most merchants only collect Level 1 data, which includes the basic information needed to authorize and process a transaction. This limited data collection increases the risk of fraud, resulting in higher fees. By contrast, our platform helps B2B and B2G merchants qualify for the lowest interchange rates on every transaction. We achieve this by optimizing interchange qualifications through the collection of additional data, which reduces the perceived risk of each transaction.

Our gateway automatically identifies which cards qualify for Level 2 and 3 interchange savings, allowing us to significantly lower your merchant processing fees. This is especially beneficial for large-ticket transactions. Our advanced gateway populates all the necessary data for you, ensuring your transactions qualify for the best possible savings. We take what could be hours of manual work and reduce it to seconds—saving you both time and money.

For example, the following company cards demonstrate the number of basis points deducted from the original Non-Qualified interchange rate for Card-Not-Present merchants. As you can see, these savings can be substantial.

VISA COMMERCIAL PREPAID: 0.80%
VISA CORPORATE PURCHASING CARD: 1.05%
VISA BUSINESS TIER 1 CARD: 0.90%
VISA BUSINESS TIER 2 CARD: 0.90%
VISA BUSINESS TIER 3 CARD: 0.90%
VISA CORPORATE TIER4 CARD: 0.75%

VISA COMMERCIAL PREPAID:
VISA CORPORATE PURCHASING CARD:
VISA BUSINESS TIER 1 CARD:
VISA BUSINESS TIER 2 CARD:
VISA BUSINESS TIER 3 CARD:
VISA CORPORATE TIER4 CARD:

0.80%
1.05%
0.90%
0.90%
0.90%
0.75%

MC BUSINESS DEBIT CARD: 0.85%
MC BUSINESS LVL 1 CARD: 1.05%
MC BUSINESS LVL 2 CARD: 1.05%
MC BUSINESS LVL 3 CARD: 1.05%
MC BUSINESS LVL 4 CARD: 1.15%
LARGE MARKET CREDIT: 1.05%
COMMERCIAL PREPAID: 0.30%

MC BUSINESS DEBIT CARD:
MC BUSINESS LVL 1 CARD:
MC BUSINESS LVL 2 CARD:
MC BUSINESS LVL 3 CARD:
MC BUSINESS LVL 4 CARD:
LARGE MARKET CREDIT:
COMMERCIAL PREPAID:

0.85%
1.05%
1.05%
1.05%
1.15%
1.05%
0.30%

Visa requires less data upfront

Always submit AVS information and a PO number with your transactions. If you’re able to include a tax value greater than $0, you’ll qualify for Level 2 and Level 3 rates, which are even lower than regular B2B rates

MasterCard does not distinguish B2B merchants the same way Visa does

MC wants all the data. To qualify for the best data rates, make sure you input info into ALL PO fields and tax amounts greater than $0

Point of Sale

Simple payment processing that allows you to accept payments with or without a card. Set up user level permissions based on job function. Log-in, process your transaction, and move to the next customer.

5-star support
Interchange savings with Level II & III data
Multiple reporting options
Fraud prevention
Level I PCI compliant
Encrypted card readers
Receipt printers

Mail and Phone

You expect top-notch security. We also deliver customer profile storage in our PCI compliant database at no extra charge and provide the following services:

5-star support
Interchange savings with Level II & III data
Secure customer storage vault
Payment cart/bill presentment
Invoice Emailing
Recurring billing
Level I PCI compliant
Fraud prevention
Multiple reporting options

E Commerce

We provide the tools to master the e-commerce space.

Shopping carts
Secure hosted solutions
Developer friendly APIs
Interchange savings with
Level II & III data
Fraud tools
Free tokenization
Level I PCI compliant

2-in-1 mobile solution

Now merchants can accept
transactions ON THE GO and manage those transactions in the office.

Full virtual terminal functionality
Swiped and keyed sales transactions
Web application with reporting
Email receipts
Add invoice numbers
Signature capture
Mobile encrypted card reader
Full virtual terminal functionality
Swiped and keyed sales transactions
Web application with reporting
Email receipts
Add invoice numbers
Signature capture
Mobile encrypted card reader

Industries

B2B Payments:

Manufacturing

Transactions for raw materials, equipment, and services between suppliers and manufacturers.

Wholesale & Distribution

Payments between wholesalers and retailers for bulk products and supplies.

Professional Services

Law firms, accounting firms, consultants, and other service providers dealing with business clients.

Construction & Engineering

Contractors, suppliers, and developers exchanging payments for projects, materials, and services.

Healthcare Supply Chain

Medical equipment suppliers, pharmaceutical companies, and healthcare providers.

IT & Software Providers

Payments for enterprise software, hardware, and tech support services.

Agriculture & Farming

Payments between agribusinesses for livestock, equipment, or seeds.

Energy & Utilities

Transactions between energy producers, suppliers, and large corporate consumers.

Logistics & Transportation

Payments between shippers, freight companies, and manufacturers.

Business Supplies & Equipment

Transactions for office supplies, machinery, and related services.

B2G Payments:

Defense Contractors

Payments for military equipment, services, and R&D.

Infrastructure & Public Works

Payments for construction, maintenance, and repair of public infrastructure like roads and bridges.

Healthcare Services

Payments for healthcare services provided to government entities, including Medicare and Medicaid.

Public Utilities

Transactions for energy and utility services provided to government facilities.

Education & Training

Payments for training, educational materials, and services provided to public schools, universities, or government agencies.

IT & Cybersecurity for Government

Payments for software, cybersecurity solutions, and IT infrastructure services.

Environmental Services

Contracts for waste management, environmental consulting, and compliance services.

Consulting & Research

Payments for research, analysis, and consulting services provided to governmental agencies.

Law Enforcement & Emergency Services

Transactions for equipment, vehicles, and technology used by police, fire departments, and other emergency services.

Public Administration & Governance

Payments for administrative software, tools, and professional services that support government operations.