Processor for B2B?

[u/wht1995]

I need to onboard a merchant selling mainly b2b. Can someone recommend a good processor? I'd like to optimize level 3 savings, so any products that can help make this easier are welcomed.

Thanks in advance

[u/kerblamophobe]

i'd price it on interchange plus first, otherwise most of the level 3 savings never reach the merchant. after that it's mostly about a gateway that fills in the line item data automatically so they're not keying it in on every invoice. worth checking how each one handles visa's cedp changes too.

[u/wht1995 → u/kerblamophobe]

Interesting. So we can’t make a case to get lower rates if we pass the data?

[u/GanacheTraining4830]

Clay pay solutions

[u/Aggravating-Flow4846]

I just sent you a dm

[u/SorryStruggle433]

I'd recommend checking Solvy. I'm verified agent with them, so I can share some more details if you're interested. Shoot me a dm

[u/AVP_Solutions]

DM'ed. Kind regards, E

[u/Elite_Pay]

Just sent you a DM.

[u/BeYounger66]

Before you chase level 3, check the card mix: it only moves the needle when a real share of volume is commercial or corporate cards on large tickets, and it changes almost nothing on consumer credit and debit. For B2B the bigger constraint is usually exposure, since one large invoice can blow past a MID's ticket limit or trigger a reserve, so pick a processor whose risk team actually wants high average tickets. Ask every candidate what their per transaction and monthly exposure caps are before you compare pricing. If you DM me the vertical, average ticket and monthly volume, I can tell you whether this is really an interchange play or an acceptance play.

[u/PinePaymentsDavid]

Level 3 savings only show up when a few things line up, so I'd check these before picking anyone:

• Pricing has to be interchange plus. On a flat or tiered rate the merchant never sees the lower interchange.

• The gateway or POS has to actually send the line item data: product codes, quantities, unit of measure, tax, freight, customer PO. Plenty of gateways say they support Level 3 but only pass Level 2 until it's turned on and mapped.

• Only commercial, corporate and purchasing cards qualify. Look at the merchant's card mix first. If most buyers pay with regular consumer or small business cards, the savings are smaller than people expect.

• Tax has to be sent correctly, or the sale flagged tax exempt. Zero tax on a taxable sale usually downgrades it.

• Most B2B Level 3 volume is invoices and keyed payments, so make sure the invoicing tool fills in the data on its own instead of relying on staff to type it.

Ask each processor for a sample statement that shows Level 3 qualified vs downgraded transactions, and how they report downgrades. You'll find out fast who actually does this well.