The short answer
B2B sellers should run interchange-plus with Level II and III data enabled, route payments above roughly $2,500 to ACH or EFT, and offer a self-serve customer portal so buyers pay invoices without a phone call.
The portal effect
Customer portals cut days from receivables because buyers pay when they are ready rather than when your team chases. They also remove the keyed-card phone call, which is the most expensive way to take a payment.
Terms and surcharging
Where permitted, a card fee on invoices above a threshold, with ACH offered free, moves large payments to the cheaper rail without straining customer relationships.
Key takeaways
- Level III data is the largest single saving in B2B
- Route large invoices to bank rails
- Self-serve portals shorten receivables materially
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