Pay less on every B2B transaction
Level 2/3 processing reduces interchange by up to 46% on commercial cards. Plus ACH, invoice payments, and ERP integrations built for B2B.
Purpose-built for B2B
Level 2/3 Data Processing
Pass line-item detail, PO numbers, tax amounts, and shipping info to qualify for significantly reduced interchange rates on commercial cards.
ACH / eCheck Payments
Accept bank transfers for large B2B invoices. Lower fees than card processing — ideal for high-value transactions.
Invoice Payments
Send payment links via email. Customers pay invoices online with card or ACH — no portal login required.
Commercial Card Optimization
Purchasing cards, corporate cards, and government cards all qualify for lower rates when Level 2/3 data is provided.
Net Terms & Partial Payments
Support Net 30/60/90 payment terms with automatic reminders. Accept partial payments against outstanding balances.
Detailed Reporting & Reconciliation
Match payments to invoices, track outstanding balances, and export data for your ERP or accounting system.
Level 2/3 savings on a $1,000 invoice
Passing enhanced data qualifies commercial cards for dramatically lower interchange rates.
| Card Type | Without L2/3 | With L2/3 | Savings |
|---|---|---|---|
| Standard commercial card | 2.70% + $0.10 | 1.90% + $0.10 | ~30% lower |
| Purchasing card (Level 3) | 2.70% + $0.10 | 1.45% + $0.10 | ~46% lower |
| Corporate card | 2.65% + $0.10 | 1.80% + $0.10 | ~32% lower |
| Government card | 2.40% + $0.10 | 1.55% + $0.10 | ~35% lower |
* Interchange rates shown. Our markup (IC + 0.15% + $0.08 on Growth) is added on top. Actual rates vary by card issuer.
Connects to your back office
ERP Systems
Connect to QuickBooks, NetSuite, SAP, and other ERPs for automated reconciliation.
Invoicing Platforms
Works with your existing invoicing workflow or use our built-in payment links.
Authorize.net API
Full API access for custom B2B payment flows with Level 2/3 data passthrough.
Accounting Software
Auto-sync with QuickBooks, Xero, and FreshBooks for seamless bookkeeping.
B2B pricing that makes sense
Level 2/3 processing is available on Enterprise. ACH payments on Growth and above. Talk to us about volume pricing for high-value B2B transactions.
Stop overpaying on commercial cards
Level 2/3 processing can save you thousands per month. Let's talk.