B2B payments where a single point of interchange is real money

Level II and Level III data

Commercial cards such as purchasing, corporate and fleet cards can carry enhanced transaction data. The exact fields are set by each network and passed through your gateway, so confirm which fields your software sends. Visa's US interchange schedule effective April 18, 2026 prices purchasing and corporate cards by fee program (for example Commercial Card Present, Commercial Card Not Present, Commercial Product 3 and Non-Qualified with Data), and the only program in that schedule named for Level II data is Commercial Level II – Fuel; Visa's qualification rules decide which program a transaction lands in. Visa's Commercial Data Solutions describe its push to expand enhanced data capture across business cards with stricter data validation. Interchange rates change, so this guide does not quote them. Check the current Visa and Mastercard schedules or ask your processor for the programs that apply to your account.

Large-ticket programs

Visa publishes large ticket interchange programs for commercial card transactions, including Visa Large Purchase Advantage for card-not-present purchasing card payments above a set size. These programs use a percentage plus a fixed fee, so they are aimed at high-value invoices. Eligibility depends on card type, ticket size and how the transaction is submitted.

ACH for invoices

Nacha's ACH rules cover business payments through standard entry class codes: CCD for corporate credits or debits, which can carry one addenda record, and CTX, which can carry up to 9,999 addenda records for detailed remittance. Same Day ACH is available for eligible entries. Nacha has approved raising the Same Day ACH per-payment limit from $1 million to $10 million, effective September 17, 2027. ACH pricing is set by your bank or processor, usually per item rather than as a percentage.

Net terms and surcharging

Paying on net terms does not change card network rules. If you add a surcharge to card payments on invoices, Visa rules limit it to credit cards, cap it at the lower of your cost of acceptance or 3%, and require advance notice to Visa and your acquirer. Surcharges cannot be applied to debit or prepaid cards. Several states prohibit or restrict surcharging, so check the state surcharge guide on this site.

Getting enhanced data right

Most of the work sits in software rather than the terminal. Your ERP, invoicing system or payment portal needs to pass the enhanced data fields to the gateway on every commercial card transaction, and the gateway has to submit them to the network in the required format. Visa describes stricter data validation as part of its commercial data work, so placeholder values may not qualify. Review a sample of statements to see which interchange programs your commercial card transactions actually landed in, and ask your processor to explain any that fell into a standard or card-not-present program. For ACH, agree remittance formats with large customers so payments can be matched to invoices, and use CTX where many invoices are paid in one entry.

Payment methods at a glance

Each method has a different cost driver and data requirement.