B2B Credit Card Processing Solutions for commercial transactions
If you frequently accept credit cards from other businesses or government agencies a B2B merchant account should be a top priority for your business. Commercial cards is a term used to describe, commercial, business, purchase cards, fleet cards and GSA SmartPay cards.
Visa and MasterCard use interchange rates to determine what you pay to accept a credit card. Having an understanding of rates and the fees that impact your bottom line can give you an tremendous edge, and significantly lower the fees you pay to accept credit cards.
A B2B merchant account allows you to receive the lowest rates period!
Having a low processing rate is important, but up to 90% of your total fees can be from interchange charges. 100% of interchange goes back to the card issuing bank, not your processor. Reclassifying your B2B transactions to level II or level III interchange rates allow you to reclaim a large chunk of interchange revenue
B2B Interchange Rates
| Level 2 - Business Cards Only | 0.45% Avg Savings | ||||||||||
| Current Interchange Category - April 2019 | Level III Processing Interchange Category - April 2019 | ||||||||||
| Visa Interchange Category | Short Description | % Rate | + | Per Item | Visa Interchange Category | Short Description | % Rate | + | Per Item | % Savings | |
| V Comm B2B - Bus Tier 1 | B2B B1 | 2.10% | + | $0.10 | V Comm Level II - Bus Tier 1 | LVL2 B1 | 2.05% | + | $0.10 | 0.05% | |
| V Comm B2B - Bus Tier 2 | B2B B2 | 2.25% | + | $0.10 | V Comm Level II - Bus Tier 2 | LVL2 B2 | 2.05% | + | $0.10 | 0.20% | |
| V Comm B2B - Bus Tier 3 | B2B B3 | 2.40% | + | $0.10 | V Comm Level II - Bus Tier 3 | LVL2 B3 | 2.05% | + | $0.10 | 0.35% | |
| V Comm B2B - Bus Tier 4 | B2B B4 | 2.50% | + | $0.10 | V Comm Level II - Bus Tier 4 | LVL2 B4 | 2.20% | + | $0.10 | 0.30% | |
| V Comm CP - Bus Tier 1 | COMM CP B1 | 2.20% | + | $0.10 | V Comm Level II - Bus Tier 1 | LVL2 B1 | 2.05% | + | $0.10 | 0.15% | |
| V Comm CP - Bus Tier 2 | COMM CP B2 | 2.30% | + | $0.10 | V Comm Level II - Bus Tier 2 | LVL2 B2 | 2.05% | + | $0.10 | 0.25% | |
| V Comm CP - Bus Tier 3 | COMM CP B3 | 2.40% | + | $0.10 | V Comm Level II - Bus Tier 3 | LVL2 B3 | 2.05% | + | $0.10 | 0.35% | |
| V Comm CP - Bus Tier 4 | COMM CP B4 | 2.50% | + | $0.10 | V Comm Level II - Bus Tier 4 | LVL2 B4 | 2.20% | + | $0.10 | 0.30% | |
| V Comm CNP - Bus Tier 1 | COMM CNP B1 | 2.25% | + | $0.10 | V Comm Level II - Bus Tier 1 | LVL2 B1 | 2.05% | + | $0.10 | 0.20% | |
| V Comm CNP - Bus Tier 2 | COMM CNP B2 | 2.45% | + | $0.15 | V Comm Level II - Bus Tier 2 | LVL2 B2 | 2.05% | + | $0.10 | 0.40% | |
| V Comm CNP - Bus Tier 3 | COMM CNP B3 | 2.60% | + | $0.20 | V Comm Level II - Bus Tier 3 | LVL2 B3 | 2.05% | + | $0.10 | 0.55% | |
| V Comm CNP - Bus Tier 4 | COMM CNP B4 | 2.70% | + | $0.20 | V Comm Level II - Bus Tier 4 | LVL2 B4 | 2.20% | + | $0.10 | 0.50% | |
| Current Interchange Category - April 2019 | Level III Processing Interchange Category - April 2019 | ||||||||||
| MasterCard Interchange Category | Short Description | % Rate | + | Per Item | MasterCard Interchange Category | Short Description | % Rate | + | Per Item | % Savings | |
| Business Data Rate I Debit | DATA I BD | 2.65% | + | $0.10 | Business Data Rate II Debit | DATA II BD | 2.10% | + | $0.10 | 0.55% | |
| Business Data Rate I Spend 1 | DATA I B1 | 2.65% | + | $0.10 | Business Data Rate II Spend 1 | DATA II B1 | 1.90% | + | $0.10 | 0.75% | |
| Business Data Rate I Spend 2 | DATA I B2 | 2.80% | + | $0.10 | Business Data Rate II Spend 2 | DATA II B2 | 2.05% | + | $0.10 | 0.75% | |
| Business Data Rate I Spend 3 | DATA I B3 | 2.85% | + | $0.10 | Business Data Rate II Spend 3 | DATA II B3 | 2.10% | + | $0.10 | 0.75% | |
| Business Data Rate I Spend 4 | DATA I B4 | 2.95% | + | $0.10 | Business Data Rate II Spend 4 | DATA II B4 | 2.20% | + | $0.10 | 0.75% | |
| Business Data Rate I Spend 5 | DATA I B5 | 2.95% | + | $0.10 | Business Data Rate II Spend 5 | DATA II B5 | 2.20% | + | $0.10 | 0.75% | |
| World Business Data Rate I | DATA I MWB | 2.65% | + | $0.10 | World Business Data Rate II | DATA II MWB | 1.90% | + | $0.10 | 0.75% | |
| World Elite Business Data Rate I | DATA I WEB | 2.65% | + | $0.10 | World Elite Business Data Rate II | DATA II WEB | 1.90% | + | $0.10 | 0.75% | |
| Level 3 - Corp/Purch/Fleet Cards | 0.90% Avg Savings | ||||||||||
| Current Interchange Category - April 2019 | Level III Processing Interchange Category - April 2019 | ||||||||||
| Visa Interchange Category | Short Description | % Rate | + | Per Item | Visa Interchange Category | Short Description | % Rate | + | Per Item | % Savings | |
| Commercial Card Retail - Corporate | COMM RETAIL C | 2.50% | + | $0.10 | Corporate Card Level III Data Rate | COMM L3 C | 1.90% | + | $0.10 | 0.60% | |
| Corporate Card - Card Not Present | COMM CNP C | 2.70% | + | $0.10 | Corporate Card Level III Data Rate | COMM L3 C | 1.90% | + | $0.10 | 0.80% | |
| Commercial Card Retail - Purchasing | COMM RETAIL P | 2.50% | + | $0.10 | Purchasing Card Level III Data Rate | COMM L3 P | 1.90% | + | $0.10 | 0.60% | |
| Purchasing Card - Card Not Present | COMM CNP P | 2.70% | + | $0.10 | Purchasing Card Level III Data Rate | COMM L3 P | 1.90% | + | $0.10 | 0.80% | |
| Corporate Card Level II Data Rate | COMM LVL2 C | 2.50% | + | $0.10 | Corporate Card Level III Data Rate | COMM L3 C | 1.90% | + | $0.10 | 0.60% | |
| Purchasing Card Level II Data Rate | COMM LVL2 P | 2.50% | + | $0.10 | Purchasing Card Level III Data Rate | COMM L3 P | 1.90% | + | $0.10 | 0.60% | |
| Current Interchange Category - April 2019 | Level III Processing Interchange Category - April 2019 | ||||||||||
| MasterCard Interchange Category | Short Description | % Rate | + | Per Item | MasterCard Interchange Category | Short Description | % Rate | + | Per Item | % Savings | |
| Corporate Data Rate I - Corporate | C DATA I C | 2.70% | + | $0.10 | Corporate Data Rate III | C DATA III C | 1.90% | + | $0.10 | 0.80% | |
| Corporate Data Rate I - Purchasing | C DATA I P | 2.70% | + | $0.10 | Corporate Data Rate III - Purchasing | C DATA III P | 1.90% | + | $0.10 | 0.80% | |
| Corporate Data Rate I - Fleet | C DATA I F | 2.70% | + | $0.10 | Corporate Data Rate III - Fleet | C DATA III F | 1.90% | + | $0.10 | 0.80% | |
| Corporate Data Rate II - Corporate | C DATA II C | 2.50% | + | $0.10 | Corporate Data Rate III | C DATA III C | 1.90% | + | $0.10 | 0.60% | |
| Corp Data Rate II - Purchasing | C DATA II P | 2.50% | + | $0.10 | Corporate Data Rate III - Purchasing | C DATA III P | 1.90% | + | $0.10 | 0.60% | |
| Corp Data Rate II - Fleet | C DATA II F | 2.50% | + | $0.10 | Corporate Data Rate III - Fleet | C DATA III F | 1.90% | + | $0.10 | 0.60% | |
Many merchants can qualify for lower commercial rates (especially in card not present environments) by collecting the more in-depth payment information along with enhanced payment technology.
The key to obtaining the best rate for B2B credit card processing is working with one of Revolution Payments’ experienced B2B payment processing consultants. We will work closely with you to ensure that your payment operations are set up correctly ensuring your transactions qualify at the most favorable rates.
Receive your B2B credit card processing review today!
Our solutions are focused on your unique needs and bottom line.
- Next Day Funding
- Large Ticket Acceptance
- Reclassify commercial transactions to lower interchange
- Level 2 and Level 3 credit card processing
- Dedicated account manager
- Interchange qualification and monitoring
- AR solutions (streamline your payment acceptance)
- Interchange pricing
- No Cancellation fees
- Interchange fees are returned to you on cardholder credits
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