Best Credit Card Processing for B2B & Wholesale (2025)

KEY TAKEAWAYS

If you sell to other businesses—distributors, resellers, corporate buyers, trade accounts—your processor should lower card costs with Level 2/3 data, support invoices and payment portals, and keep cash application painless. This guide covers the best B2B options, what they really cost, and how to roll out cleanly with ACH and compliant credit-card fee policies.

TOP PICKS (SHORT REVIEWS)

Stax

A strong choice for steady B2B volume. The subscription model (monthly fee plus interchange at cost with a small per-transaction amount) often beats flat-rate at scale. Supports recurring invoices, Text-to-Pay for collections, ACH for larger bills, and Level 2/3 data via supported gateways. Surcharging tools (credit only) are available when appropriate.

Payment Depot

Transparent interchange-plus with clear statements, good fit for wholesalers that want predictable markups and simple reconciliation. Works with common gateways that can pass Level 2/3 fields and supports invoice links and virtual terminal.

Worldpay

Best for enterprises and multi-brand catalogs. Enterprise rails, portals, and APIs suit complex AR, buyer portals, and international expansion. Negotiate custom IC++ tiers, accelerated funding, and support SLAs.

Paysafe

ateway-centric option with tokenization, card-on-file, recurring billing, and fraud tools suitable for B2B. Level 2/3 support depends on setup—confirm required fields and your ERP/cart integration. Get markup and funding in writing

Clover

Good when you have counter sales or hybrid B2B+B2C. Simple invoicing and pay links, fast deposits, and a straightforward front-office experience. Pair with a gateway if you need advanced Level 2/3 or complex AR rules.

Leaders Merchant Services

Hands-on rollout with access to Clover and mainstream gateways. Helpful for configuring Level 2/3, card-on-file consent, invoice links, and ACH quickly. Ask for interchange-plus in writing and confirm term/ETF.

Merchant One

Fast approvals and practical help wiring up virtual terminal, payment links, and next-day options. A pragmatic path for smaller wholesalers starting B2B card acceptance.

Swipe4Free

f you choose dual pricing or compliant surcharging on B2B invoices, they can help with signage/templates and device programming. Remember: credit only, never debit, and disclose clearly on quotes and invoices.

HOW B2B PRICING REALLY WORKS

Your total cost is interchange plus small network assessments plus the processor’s markup. B2B cards (corporate, purchasing, virtual) can qualify for lower interchange if you pass Level 2/3 data. Level 2 typically includes tax amount and customer code; Level 3 adds line-item details (item, quantity, extended price, tax/freight). The right gateway and checkout or invoice form should collect and transmit these fields automatically. For steady volume, interchange-plus or a subscription model usually beats flat-rate over time.

LEVEL 2/3 AND AR WORKFLOWS

Use invoice links or a branded portal that can store cards on file (with consent), accept ACH for large orders, and post back to your ERP/CRM for easy cash application. Map PO number, customer code, tax, freight, and line items so invoices auto-reconcile and qualify for the best interchange your category allows.

ACH FOR LARGE ORDERS

Offer ACH for high-ticket invoices, repeat orders, and retainers. Validate accounts on first payment and publish refund timelines—ACH credits settle slower than card refunds. For urgent shipments, keep card on file as a backup.

SURCHARGING & DUAL PRICING IN B2B

Some B2B sellers use a credit-card surcharge or dual pricing to offset costs. If you go this route, apply credit only, never debit, disclose clearly on quotes and invoices, and follow brand/state caps. Many wholesalers prefer showing a “card price” line item upfront to avoid surprise at payment.

5-STEP ROLLOUT PLAN

Choose pricing (IC++ or subscription) and confirm markup, gateway, tokenization, and Level 2/3 capability in writing.
Configure invoices/portal, PO number and customer code fields, tax and freight capture, and card-on-file consent.
Enable ACH for large invoices; set refund timelines and account validation.
Turn on AVS/CVV and appropriate fraud filters; consider 3-D Secure only for risky profiles or regions.
Reconcile weekly: effective rate, approval rate, chargebacks, time-to-fund; re-quote if the effective rate drifts up.

FAQs

Do I really need Level 2/3 for B2B?

Yes—passing the required fields can qualify many corporate and purchasing cards for lower interchange, reducing total cost.

Which pricing model works best for B2B?

With consistent volume, interchange-plus or a subscription model usually beats flat-rate, especially when combined with Level 2/3 and ACH for large invoices.

Can I surcharge business customers?

Often on credit only with clear disclosures; never surcharge debit. Many B2B sellers prefer dual pricing that shows a card price up front.

Should I accept ACH?

Yes for large orders and repeat invoices. Validate accounts on first payment and set refund timelines because ACH settles slower than cards.

How do I reduce disputes in B2B?

Use accurate item descriptions, PO numbers, delivery terms, and signed acceptance. For cards on file, keep written consent that covers amount/range, frequency, and cancellation.

How fast can I get funded?

Many providers offer next-day funding with a batch cut-off; some offer instant deposits for a fee. Confirm weekend/holiday handling and limits.