B2B and Wholesale Payments

Level 2 and Level 3 are interchange tiers that lower your card cost on B2B and corporate card transactions when you pass extra data with the sale. Level 2 adds tax amount and a customer code; Level 3 adds line-item detail like quantity, product code, and unit price. On a corporate or purchasing card, qualifying for Level 3 can cut interchange meaningfully versus standard rates. ProTech configures your account and terminal to pass this data automatically so large B2B tickets process at the lower tier.

For large invoices ACH usually wins on cost, since a 25,000 dollar order moves by bank transfer for a small flat fee instead of a percentage. Card still has a place for buyers who want corporate card points or float, and ProTech runs both on one account. The practical setup is ACH or Level 3 card for big orders and standard card for smaller ones. Dual pricing can recover most of the card fee when a buyer insists on paying a large ticket by card.

On a 15,000 dollar order, standard card processing can cost 400 dollars or more, and dual pricing recovers most of it by showing a card price and a lower cash or ACH price the buyer sees before paying. Pair that with Level 3 data on corporate cards and the cost drops further. Both prices are disclosed, so the program stays compliant. For distributors moving large tickets, this is the difference between giving away margin and protecting it on every card sale.

Yes. ProTech sets up your account to accept corporate, purchasing, and fleet cards, and to pass the Level 2 and Level 3 data those cards need to qualify for lower interchange. Many of your B2B buyers pay on a purchasing card for their own controls and reporting, so accepting them well keeps those accounts. The terminal or virtual terminal captures tax and line-item detail automatically. This both keeps large buyers happy and keeps your processing cost down on their orders.

Yes. You can issue net-30 invoices with a pay link and, with the buyer's authorization, store a card or bank account on file to charge on the due date. Stored credentials are tokenized and PCI compliant. For repeat wholesale accounts this keeps standard trade terms while cutting the receivables that drift past due. You can run ACH on the saved bank account for the lowest cost, or charge the corporate card with Level 3 data when that is how the buyer pays.

There is no long-term contract and no early termination fee, so your business is not locked in. Most wholesale and B2B accounts are live in 1 to 3 business days with Level 2 and Level 3 processing, ACH, and virtual terminal configured. Hardware is quoted up front with no hidden leases. When an account team has a question on a large transaction, US-based support answers at (888) 255-0425. Our 5.0 Google rating reflects distributors that switched and stayed.