Card networks charge less for B2B transactions that include extra data — Level 2 and Level 3 processing. The savings are real and sitting in the interchange tables. Your current setup is probably ignoring them entirely.
Corporate and purchasing cards carry higher interchange than consumer cards. If your customers pay B2B-style, your card mix is structurally more expensive — unless you fight back with data.
Adding line-item detail to transactions drops interchange on commercial cards substantially. It's mostly configuration — and most processors never mention it because the savings come out of the rate you'd otherwise accept.
3% on a $15,000 invoice is $450. Without optimized pricing, surcharge options, or an ACH alternative alongside, large-ticket B2B billing bleeds margin on every payment.
A B2B company processing $150k/month with heavy commercial-card mix can often cut total card cost substantially through Level 2/3 data, interchange-plus pricing, and large-ticket programs — frequently tens of thousands per year. The painful part: the discounts already exist in the network rate tables. Not claiming them isn't saving the complexity; it's paying full retail for missing paperwork.
Level 2 and Level 3 processing means passing extra transaction data — tax amounts, customer codes, line items — that card networks reward with lower interchange on commercial cards. The networks publish these rates. The catch is that your processor and gateway must support the data passing, ideally automatically, and most generic setups simply don't bother.
We match B2B businesses with processors whose platforms do Level 2/3 natively — auto-filling the required fields so your team doesn't type line items into a terminal. Layer on interchange-plus pricing and, where appropriate, compliant surcharging on card payments with a free ACH option beside it, and the whole receivables stack gets cheaper at once.
We'll also look at how you bill — virtual terminal for phone payments, pay-links on invoices, stored credentials for repeat customers — because B2B collection workflow and B2B pricing are the same conversation.
A short set of questions about your business, your volume, and your situation. No documents needed yet, and nothing touches your credit.
Free • No hard credit pullA placement specialist reviews your answers against our processor network and walks you through the realistic options — which underwriters fit your profile, at what terms, and why.
No obligation • Plain EnglishOnce you pick a direction, we help you prepare and submit the application so it lands right the first time — and we stay with you until you are approved and processing.
Hands-on until you are liveA single processor can only offer you their box. We map your profile across an entire network and show you where you actually fit best.
Approvals are not luck. They are about presenting the right business, the right way, to the right desk. That is the part we do every day.
Blind applications create declines on your record, and declines make the next approval harder. We aim you once, at the right target.
Matching is half the job. We help with the application, the documents, and the follow-up until money is actually hitting your account.
When we place you with a processor, that processor pays us a referral fee. You don't pay us anything — not for the survey, not for the call, not for the application help.
Here's why that works in your favor: we work with dozens of processors, so we have no reason to push any particular one. And we only keep getting paid if you stay with the placement — a merchant who leaves in 90 days costs us money. Our incentive is literally to set you up to win. If we can get you to win, we win too.
On qualifying commercial-card transactions, the interchange reduction is substantial — and B2B card mixes often run heavily commercial. Your real number depends on card mix and ticket size, which is exactly what we compute from a statement. We'll show you the line-by-line math, not a slogan.
Not with the right platform — modern B2B gateways auto-populate Level 2/3 fields from the transaction itself. If a processor tells you your staff must key in line items manually, that's the wrong processor; ours don't.
Often the winning setup is both: free-to-customer ACH beside a compliantly surcharged card option. Customers choose, you stop absorbing 3% either way, and big invoices stop hurting. We'll structure the choice architecture with you on the call.
No. The call is a working session: we review your survey answers, show you which processors realistically fit your profile, and explain the trade-offs. If none of the options beat what you have, we will tell you that and part as friends. Pressure placements come back to bite us — merchants who feel pushed do not stay, and we only get paid when you stay.
The survey and the alignment call involve no credit check at all. A credit check only happens if and when you decide to submit an actual application to a processor — and we will tell you exactly when that step is coming, before it happens.
Nothing. Processors pay us a referral fee when a placement succeeds and sticks. You will never get an invoice from us.
Three minutes on your billing model and card mix. We'll show you the Level 2/3 and large-ticket math on your real numbers — and the platforms that capture it automatically.
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