B2B Payment Processing: Level 2/3 Data, Net Terms & Corporate Card Optimization
B2B payment processing is fundamentally different from consumer transactions — higher ticket sizes, corporate purchasing cards, purchase order workflows, net terms requirements, and interchange structures that most consumer-focused processors don't optimize for.
GetPayment provides purpose-built B2B payment infrastructure — with Level 2/3 data optimization, ACH integration, net terms billing, and multi-entity architecture designed for distributors, wholesalers, SaaS companies, and enterprise service providers.
Built for B2B Industries
The Real Challenges of B2B Payment Processing
Processors built for consumer retail often fail B2B merchants in critical ways. Here's what typically goes wrong — and how we solve it.
High-value transactions trigger blanket risk flags with consumer-focused processors
Specialized B2B underwriting that evaluates your buyer relationships, invoice cadence, and average order value — not consumer fraud models
Corporate cards cost 2.5–3.5% with standard interchange — eroding margins on large invoices
Level 2/3 data optimization brings B2B card rates to 1.5–2.1% for qualifying corporate cards. Up to 1.2% savings per transaction
No support for purchase orders, net terms, or multi-approval workflows
Full purchase order payment flow with PO number capture, invoice matching, net terms management, and approval routing
Fragmented payment infrastructure — different tools for cards, ACH, wire, checks
Unified B2B payments hub: cards, ACH, wire, virtual cards, and check digitization through a single API and dashboard
Complete B2B Payment Infrastructure
Every tool your B2B finance team needs — from invoice creation to final settlement — in one integrated platform.
Level 2 & Level 3 Data
Automatically pass enhanced transaction data on qualifying corporate cards to unlock interchange rates 0.5–1.2% lower than standard. Save thousands per month on B2B volume.
Purchase Order Integration
Capture PO numbers, match payments to invoices automatically, and provide full audit trail from PO to settlement for your accounting team.
Net Terms Management
Issue net-30, net-60, and net-90 invoices with automated reminder sequences. ACH debit authorization for reliable collection without manual follow-up.
Multi-Currency & Wire
Accept international B2B payments in 100+ currencies. Wire transfer support for large international invoices. FX rates locked at time of invoice.
ACH & Bank Transfer
Same-day and standard ACH for large invoice payments at 0.3–0.8% with transaction caps. Significantly cheaper than card for invoices over $5,000.
Virtual Card Acceptance
Accept single-use virtual cards issued by enterprise procurement systems (Amex, Visa, Mastercard). Full compliance with corporate purchasing workflows.
AR Analytics Dashboard
Days Sales Outstanding tracking, payment method mix analysis, by-customer chargeback exposure, and cash flow forecasting based on outstanding invoices.
PCI-Compliant Tokenization
Securely store corporate card details for repeat billing without re-entering card data. Supports recurring invoicing cycles without PCI burden on your systems.
Multi-Entity Architecture
Support for parent/subsidiary structures, consolidated group reporting, per-entity settlement, and role-based access by department or entity.
B2B Payment Cost Comparison
Understanding true cost by payment method for B2B transactions
| Payment Method | Typical Rate | Best For | Settlement |
|---|---|---|---|
| Corporate Card (L2/L3) | 1.5–2.1% | Invoices $1k–$50k | 1–2 days |
| Corporate Card (Standard) | 2.5–3.5% | Small B2B orders | 1–2 days |
| ACH Bank Transfer | 0.3–0.8% (capped) | Large invoices $50k+ | 1–3 days |
| Wire Transfer | Flat fee | International $100k+ | Same day |
| Virtual Card | 2.0–3.0% | Enterprise procurement | 1–2 days |
B2B Payment Processing FAQs
Optimize Your B2B Payment Infrastructure
Our B2B specialists will audit your current processing costs and show you exactly how much you can save with Level 2/3 data optimization and ACH.