B2B, wholesale & distribution
Credit Card Processing for Wholesale Distributors
A wholesale distributor commonly takes payment by invoice, phone or account portal rather than at a public checkout counter. Orders may include multiple line items, business purchasing details and delivery arrangements, so accurate invoicing and settlement records are central to the payment flow.
Credit card processing for wholesale distributors starts with what you already pay. Send one recent statement and a person reads your merchant account for wholesale distributors line by line. Free, with no obligation.
Short answer
Can a wholesale distributor get a merchant account?
Yes, most wholesale distributors can. The processor reviews the business, its owner and processing history before deciding, so approval cannot be promised. Business invoice payments need accurate order details and records for authorized repeat purchases. We can review one recent processing statement at no cost.
What businesses like yours need
What wholesale distributors need from processing
- Card-not-present invoice payments
- Level 2 or Level 3 data where eligible and supported
- Integrated invoicing with order and customer records
- Card on file for authorized repeat purchases
- High ticket transactions and split payments where applicable
Products that fit
Setup that tends to fit
An invoicing platform connected to a virtual terminal or gateway is usually more appropriate than a basic retail register. For eligible business card transactions, check whether the system can pass Level 2 or Level 3 data.
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 wholesale distributors
- Korona POSRetail POSCloud retail POS that works with many processors.
- DejavooPayment terminalsAndroid terminals, from the pocket-size P12 to countertop QD models.
- PAX A80Payment terminalsAndroid countertop terminal with a keypad and built-in printer.
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.
- Card-not-present rates matter for invoice and portal payments
- Non-qualified downgrades can occur when required transaction data is missing
- Gateway fees should be checked against the invoicing or portal service in use
Send one wholesale distributor statement. We read every line and tell you what each fee is.
Send your statement for a free reviewWholesale distributors: common questions
Can a wholesale distributor 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 do I send for the free statement review?
Provide one recent monthly statement with every page, as a PDF or clear photos. Upload it on our contact page and a person will review it.
What are Level 2 and Level 3 data?
They are additional transaction details used on some eligible business card payments. The processor and payment system determine whether the transaction qualifies and the data is submitted correctly.
Can customers pay invoices by card?
A virtual terminal or payment gateway can accept invoice payments remotely. The account should be reviewed for card-not-present pricing and any gateway charges.
Send one statement. We read every line, free.
Upload one recent statement from your wholesale distributor. A person reads every fee and explains it in plain English. Free, no obligation.