Merchant services for B2B, wholesale and distribution
Large invoices, corporate cards, net terms and customers who want to pay by ACH. B2B processing built to lower interchange on commercial cards.
- Free statement analysis
- Month-to-month options
- $0 upfront equipment with qualifying agreement
- Local to Fort Bend & Houston
Get a free quote
Tony replies within 1 business day. No obligation.
Payments for b2b & wholesale, without the runaround
B2B transactions are big and often paid with corporate, purchasing or fleet cards. Those cards carry higher interchange unless the transaction includes Level 2 or Level 3 data such as tax amount, PO number and line items. Many B2B sellers overpay simply because that data isn't being sent.
We'll look at your card mix, set up a gateway and invoicing that pass enhanced data where supported, add ACH for the biggest invoices, and price it on interchange-plus so savings actually reach you.
- Level 2 and Level 3 data
- Interchange-plus pricing
- ACH for large invoices
- Invoicing and payment portals
- Card-on-file for repeat buyers
- Integration with common accounting tools
What a good b2b & wholesale setup includes
Built around the way you take orders and get paid.
Commercial cards
Enhanced data for lower interchange.
Invoices
Customers pay online.
Interchange-plus
Savings pass through.
Recurring orders
Card-on-file for standing orders.
Gateway
Online and phone orders.
Fraud tools
AVS and CVV checks.
Take every way your customers pay
One merchant account can cover the counter, the phone, the website and the job site.
Credit & debit cards
Visa, Mastercard, Discover and American Express (Amex may need separate approval), tapped, dipped, swiped or keyed.
Digital wallets
Apple Pay, Google Pay and other contactless wallets on any NFC-ready terminal.
Online & invoices
Payment links, a virtual terminal for phone orders, and website checkout through a payment gateway.
Mobile & on-site
Wireless terminals and phone readers for deliveries, job sites, markets and events.
ACH & eCheck
Bank-to-bank payments for larger invoices and recurring billing, usually at a lower cost than cards.
Recurring billing
Card-on-file and scheduled payments for memberships, retainers and service plans.
Three ways to price card processing
There's no single best model. We'll show you each one priced against your real numbers, then you choose.
Flat rate
One percentage plus a per-sale fee on every card. Easy to read, but you pay the same rate on a cheap debit card as on a premium rewards card.
- Predictable
- Simple statements
- Often costs more as volume grows
Fits: low volume, seasonal or brand-new sellers
Interchange-plus
You pay the card networks' wholesale cost (interchange and assessments) plus a fixed, disclosed markup. Every layer shows on your statement.
- Most transparent
- Markup stays fixed
- Usually lowest cost at higher volume
Fits: established businesses, larger tickets, B2B
Cash discount / dual pricing
Your posted prices account for card costs, and customers paying cash get a lower price. Card sales help cover processing instead of your margin.
- Offsets much of your processing cost
- Clear signage and receipts
- Not a surcharge
Fits: restaurants, auto, retail, service shops
Not sure which fits? Get a free statement analysis or read pricing explained.
Why business owners work with Cedarline
We're a small, independent agent. That means fewer layers between you and the person who set up your account.
One person who answers
You work with Tony directly, from the first statement review to go-live and after. No call-center queue to start.
Pricing you can read
Every quote shows the rate, per-item fee, monthly fees and any equipment terms in writing before you sign.
Options, not one platform
We compare programs from several partner processors and POS platforms, so the setup fits your business instead of the other way around.
Set up correctly
Cash discount signage, receipt settings, tip and tax settings, and test transactions are handled before you go live.
Get set up in three steps
From first call to first sale, without the guesswork.
Send a statement or tell us your plans
Existing business? Send one recent processing statement. Opening soon? Tell us what you'll sell and when.
Compare your options
You get a side-by-side of pricing models, equipment and terms, priced against your numbers.
Go live, tested
Approval, equipment programming, signage and test transactions, done before you rely on it.
Approval timing depends on the processor's underwriting. Most complete applications get a decision in a few business days.
Frequently asked questions
How much can Level 3 data save?
It depends on your card mix and how transactions are submitted. A statement analysis will show how many of your transactions are commercial cards.
Do I need special software?
A gateway or invoicing tool that supports enhanced data. We'll check what you have.
Is ACH better than cards for B2B?
For large invoices it's usually much cheaper. Many B2B sellers offer both.
Other industries
Not sure what you're paying, or what you'll need?
Send a recent statement or tell us about the business you're opening. You'll get a plain-English breakdown and options, with no cost or obligation.