B2B, wholesale & distribution
Credit Card Processing for B2B Companies
A B2B company often collects payment against an invoice rather than at a retail counter. Staff may take a card by phone, send an invoice link or accept payment from a purchasing department, with larger orders and commercial card data in the mix.
Credit card processing for B2B companies starts with what you already pay. Send one recent statement and a person reads your merchant account for B2B companies line by line. Free, with no obligation.
Short answer
Can a B2B company get a merchant account?
Yes, most B2B companies can. Approval depends on the processor reviewing the business, the owner and processing history; nobody can promise approval. Invoice tools and virtual terminals can connect purchasing department payments to customer accounts. For a free review, send us one recent processing statement.
What businesses like yours need
What B2B companies need from processing
- Card-not-present invoice payments
- Virtual terminal entry for phone orders
- Level 2 or Level 3 data for eligible commercial card transactions
- High-ticket payments tied to invoices
- Payment records matched to customer accounts
Products that fit
Setup that tends to fit
Integrated invoicing or a virtual terminal can fit a company that takes payment against customer accounts. For eligible commercial card sales, ask whether the setup can pass Level 2 or Level 3 data.
Some B2B companies also look at a cash discount program. Rules vary by state and by card brand, so read how cash discount credit card processing works and confirm with your provider before you use one.
Not sure what you have now? Your statement shows it. Compare common systems on our POS system comparison.
Systems we often see
POS systems and processors for B2B companies
We are not an official partner or reseller of any POS brand. Brand names are used only to describe the systems we see on statements.
What to check on your statement
We check these and every other line during a merchant statement analysis. New to statements? Read how to read a merchant statement.
- Non-qualified downgrades when eligible commercial card data is missing
- Keyed transaction surcharges on phone payments
- Monthly gateway or virtual terminal fees, which may be billed separately
Send one B2B company statement. We read every line and tell you what each fee is.
Send your statement for a free reviewB2B companies: common questions
Can a B2B company qualify for a merchant account?
Most do. The processor decides approval based on the business, the owner and processing history. We help find a fit, but we cannot promise approval.
What should I send for the free statement review?
Send one recent monthly statement with every page. A PDF or clear photos are fine. Upload it on our contact page for a person to read every line.
Why can commercial card transactions downgrade?
Some commercial card transactions need added invoice or tax data to meet a qualified pricing category. Missing or incomplete data may change how the sale is priced.
Can customers pay an invoice online?
An integrated invoice can provide a card payment option without requiring a phone call. Check that the payment records tie back to the invoice and customer account.
Send one statement. We read every line, free.
Upload one recent statement from your B2B company. A person reads every fee and explains it in plain English. Free, no obligation.