Best Payment Providers for B2B Payments

15 providers compared

Business-to-business payment solutions with invoicing, ACH, wire transfers, and accounts receivable automation.

Overview

B2B payments are different from consumer payments. Businesses expect invoicing, net terms, ACH/bank transfers, and integration with accounting systems. Card payments in B2B often have higher interchange fees.

What to Consider

  • 1 Invoice generation and delivery
  • 2 ACH and bank transfer support
  • 3 Net terms and payment plans
  • 4 Level 2/3 data for lower interchange
  • 5 Accounting software integration
  • 6 Automated accounts receivable

Top 15 Payment Providers for B2B

Frequently Asked Questions

Why are B2B card fees higher?
B2B card transactions often have higher interchange fees (2-3%+ vs 1.5-2% for consumer cards). To reduce fees, look for providers that support Level 2/3 data.
Should B2B businesses accept ACH payments?
Yes. ACH fees are typically $0.25-$1.00 per transaction, much lower than card fees. For large B2B invoices, ACH savings are significant.
What is Level 2/3 data?
Level 2/3 data is additional transaction information (like tax amount, customer code, item details) that qualifies B2B card transactions for lower interchange rates. Savings can be 0.5-1% per transaction.

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