B2B payments where a single point of interchange is real money
Large invoices on commercial cards, ACH/EFT that takes days and manual reconciliation.
On $500K monthly B2B volume, 0.60% saved is $36,000 a year.
Benchmarks from statements we analyse. Yours will differ — that is the point of the analysis.
Built around how wholesale and B2B distributors actually take payments
Not a generic bundle with your industry's name pasted on the invoice.
- Level II/III processing on purchasing and corporate cards
- ACH and EFT with same-day options
- Hosted customer portal for self-serve invoice payment
- ERP and accounting integration with auto-reconciliation
- Surcharge programs compliant with card-brand rules
The fee traps we look for in wholesale and B2B distributors
- Downgrades — transactions falling out of their best interchange category through missing data
- Padded pass-throughs — card-brand fees marked up and presented as cost
- Junk monthlies — statement, PCI, annual, regulatory and "service" fees
- Equipment leases — non-cancellable terms that outlive the hardware
- Tier reclassification — the same sale quietly repriced into a worse bucket
Wholesale & B2B payment processing, answered
Most wholesale and B2B distributors we analyse sit between 2.6% and 3.4% effective rate once every fee is counted. On $500K monthly B2B volume, 0.60% saved is $36,000 a year. The only way to know your real number is to divide total fees by total volume on your statement — or send it to us and we will label every line within 4 hours.
There is no single best system. We match hardware to how you actually take payments: ticket size, staff count, whether you sell online, and which software you already run. For wholesale and B2B distributors we most often deploy level ii/iii processing on purchasing and corporate cards.
Yes. We stage the new account, program hardware before it ships, and cut over outside your busiest hours. Most wholesale and B2B distributors switch with zero closed minutes, and we cover documented early-termination fees up to $1,000 when you move to us.
Yes. We support merchants in all Canadian provinces and all 50 US states, with pricing, funding timelines and compliance handled per country.
Local support across Canada and the United States
Every fee named in 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.