The short answer
For transactions above roughly $2,500, bank rails almost always beat card rails. ACH in the US and EFT in Canada charge a flat fee — often under $2 — regardless of amount. For merchants who must take cards, Level II and III data plus interchange-plus pricing are essential.
Offer a choice at the point of invoice
Present card and bank transfer side by side. Many B2B customers prefer bank transfer anyway; the ones who want card points can be offered a compliant surcharge where legally permitted.
Underwriting matters more at high tickets
Declare your true maximum ticket during application. Understating it is the single most common cause of held funds on a large sale.
Key takeaways
- Above $2,500 per transaction, ACH/EFT usually wins on cost
- Level II/III data materially reduces commercial card interchange
- Declare accurate maximum ticket to avoid holds
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