The Answer for B2B and B2G Merchants is Interchange Optimization
Interchange Optimization
What Is Interchange?
There are over 300 levels of interchange with rates as high as 3.25% Many factors determine the cost of interchange, including benefits given to the card holder and perceived risk.
Interchange Optimization
How This Works?
While each interchange level has a set rate pre-determined by the card brands, many transactions are eligible to qualify at lower-cost tiers. This is where Level 2 and Level 3 data come in. B2B and B2G merchants can save up to 1.15% on transactions when properly using Level 2 and Level 3 data.
Most merchants collect Level 1 data, which includes the minimum information required to authorize and process a transaction. Less data collected increases mitigation risk for fraud, which is why Level 1 data carries the higher fees.
On our platform, B2B and B2G merchants qualify for the best interchange rates on every transaction. This is achieved by optimizing interchange qualifications by collecting additional information to reduce the risk associated with each transaction. Our gateway knows which cards qualify for Level 2 and 3 interchange savings. This enables us to deliver the opportunity for much lower merchant processing fees. Large ticket transactions frequently benefit from this interchange optimization.
Our unique gateway populates all this required data for you to qualify your transactions for the best savings. We turn hours of work into seconds; saving you time and money.
For example, the following company cards demonstrate the number of basis points deducted from the original Non-Qualified interchange rate for Card-Not-Present merchants. As you can see, these savings can be substantial.
VISA COMMERCIAL PREPAID: 0.80%
VISA CORPORATE PURCHASING CARD: 1.05%
VISA BUSINESS TIER 1 CARD: 0.90%
VISA BUSINESS TIER 2 CARD: 0.90%
VISA BUSINESS TIER 3 CARD: 0.90%
VISA CORPORATE TIER4 CARD: 0.75%
VISA COMMERCIAL PREPAID:
VISA CORPORATE PURCHASING CARD:
VISA BUSINESS TIER 1 CARD:
VISA BUSINESS TIER 2 CARD:
VISA BUSINESS TIER 3 CARD:
VISA CORPORATE TIER4 CARD:
0.80%
1.05%
0.90%
0.90%
0.90%
0.75%
MC BUSINESS DEBIT CARD: 0.85%
MC BUSINESS LVL 1 CARD: 1.05%
MC BUSINESS LVL 2 CARD: 1.05%
MC BUSINESS LVL 3 CARD: 1.05%
MC BUSINESS LVL 4 CARD: 1.15%
LARGE MARKET CREDIT: 1.05%
COMMERCIAL PREPAID: 0.30%
MC BUSINESS DEBIT CARD:
MC BUSINESS LVL 1 CARD:
MC BUSINESS LVL 2 CARD:
MC BUSINESS LVL 3 CARD:
MC BUSINESS LVL 4 CARD:
LARGE MARKET CREDIT:
COMMERCIAL PREPAID:
0.85%
1.05%
1.05%
1.05%
1.15%
1.05%
0.30%
- Always submit AVS information and a PO number with your transactions. If you’re able to include a tax value greater than $0, you’ll qualify for Level 2 and Level 3 rates, which are even lower than regular B2B rates
- MC wants all the data. To qualify for the best data rates, make sure you input info into ALL PO fields and tax amounts greater than $0
Simple payment processing that allows you to accept payments with or without a card. Set up user level permissions based on job function. Log-in, process your transaction, and move to the next customer.
- 5-star support
- Interchange savings with Level II & III data
- Multiple reporting options
- Fraud prevention
- Level I PCI compliant
- Encrypted card readers
- Receipt printers
You expect top-notch security. We also deliver customer profile storage in our PCI compliant database at no extra charge and provide the following services:
- 5-star support
- Interchange savings with Level II & III data
- Secure customer storage vault
- Payment cart/bill presentment
- Invoice Emailing
- Recurring billing
- Level I PCI compliant
- Fraud prevention
- Multiple reporting options
We provide the tools to master the e-commerce space.
- Shopping carts
- Secure hosted solutions
- Developer friendly APIs
- Interchange savings with
- Level II & III data
- Fraud tools
- Free tokenization
- Level I PCI compliant
Now merchants can accept
transactions ON THE GO and manage those transactions in the office.
- Full virtual terminal functionality
- Swiped and keyed sales transactions
- Web application with reporting
- Email receipts
- Add invoice numbers
- Signature capture
- Mobile encrypted card reader
- Full virtual terminal functionality
- Swiped and keyed sales transactions
- Web application with reporting
- Email receipts
- Add invoice numbers
- Signature capture
- Mobile encrypted card reader
Industries
B2B Payments:
Transactions for raw materials, equipment, and services between suppliers and manufacturers.
Wholesale & Distribution
Payments between wholesalers and retailers for bulk products and supplies.
Law firms, accounting firms, consultants, and other service providers dealing with business clients.
Construction & Engineering
Contractors, suppliers, and developers exchanging payments for projects, materials, and services.
Medical equipment suppliers, pharmaceutical companies, and healthcare providers.
IT & Software Providers
Payments for enterprise software, hardware, and tech support services.
Payments between agribusinesses for livestock, equipment, or seeds.
Energy & Utilities
Transactions between energy producers, suppliers, and large corporate consumers.
Payments between shippers, freight companies, and manufacturers.
Business Supplies & Equipment
Transactions for office supplies, machinery, and related services.
B2G Payments:
Payments for military equipment, services, and R&D.
Infrastructure & Public Works
Payments for construction, maintenance, and repair of public infrastructure like roads and bridges.
Payments for healthcare services provided to government entities, including Medicare and Medicaid.
Public Utilities
Transactions for energy and utility services provided to government facilities.
Payments for training, educational materials, and services provided to public schools, universities, or government agencies.
IT & Cybersecurity for Government
Payments for software, cybersecurity solutions, and IT infrastructure services.
Contracts for waste management, environmental consulting, and compliance services.
Consulting & Research
Payments for research, analysis, and consulting services provided to governmental agencies.
Transactions for equipment, vehicles, and technology used by police, fire departments, and other emergency services.
Public Administration & Governance
Payments for administrative software, tools, and professional services that support government operations.