B2B · Wholesale · Distribution
Invoices, ACH, and corporate cards, priced right.
We set up payments for businesses that sell to other businesses: invoices your customers pay online, bank payments for large orders, and the extra sale detail that corporate and purchasing cards can require, which may qualify eligible sales for lower card-network rates.
- The extra detail corporate and purchasing cards can require, sent with each sale
- Invoices your customers pay by card or ACH from a link
- Interchange-plus pricing in writing, so any savings show up on your statement
40 × Nitrile gloves, case$1,520.00
12 × Shop towels, bale$648.00
Sales tax$186.45
Total$2,354.45
Pay by card
Pay by ACH
Paid by card: $2,354.45Tax, PO and line items sent
Example invoice with made-up names. Whether the extra detail lowers a rate depends on the card and the sale.
Outside Cardeva, he leads a national team of 250 payments agents. You'll deal with him, not a queue. About Justin
“I cannot say enough great things about how smooth he made this transition for us.”
“The whole process has been much easier than what we were dealing with before.”
Excerpts from Google reviews of Justin’s work setting up merchants under a prior brand; results vary by business. Read both reviews
What it handles
From the purchase order to the deposit.
Enhanced card data
Tax, purchase order, and line-item detail sent with corporate and purchasing card sales, which may qualify eligible sales for lower rates.
Invoices paid online
Send an invoice your customer pays by card or ACH from a link, without a phone call to read off a card number.
Payment methods on file
Keep a customer's card or bank account on file for repeat orders and standing terms.
Accounting sync
On the tools that support it, payments flow into your accounting software instead of being keyed in twice.
Corporate cards
Corporate cards can cost more without the right data.
When a business pays with a corporate or purchasing card, the interchange rate depends partly on how much detail comes with the sale. Send the basic card data only, and the sale is priced at a higher commercial rate. Send the detail the card network asks for, and eligible sales can qualify for a lower one.
The rules changed this year: Visa ended its U.S. Level 2 program in April 2026, and its savings now come through a commercial enhanced-data program built on line-item detail, with its own network fee. Mastercard still uses Level 2 and Level 3. Your tools have to send what each network asks for now.
And the savings only reach you if your pricing passes interchange through. With interchange-plus pricing, a lower interchange rate shows up as a lower cost on your statement. With a flat or tiered rate, it often doesn't.
The extra detail, in plain terms
- Basic: the card sale itself: amount, date, merchant
- Summary detail (often called Level 2): the sales tax amount and a customer code or purchase order number
- Line-item detail (often called Level 3): product codes, descriptions, quantities, units, and unit prices
Which cards, businesses, and sales qualify, and at what rate, is set by each card network and changes over time. Visa's current program relies on line-item detail.
Your setup
Keep your invoicing, or upgrade it.
Already invoicing from accounting or ERP software? Tell us which one. We'll check what connects to it and give you the answer in writing before you change anything.
Taking card numbers over the phone? A payment link gets the card number out of your inbox and off your notepad.
Thinking about surcharging? It's credit cards only, capped by the card networks, and restricted in some states. Our state-by-state guide has the details.
In writing, before you sign
- Your card pricing, line by line, including how corporate-card sales are priced
- Your ACH pricing
- Any monthly gateway or software cost
- Any term or cancellation fee
Ask about anything that isn't listed. Better now than on your first statement.
How it works
Start with last month's statement.
Send a statement
A photo or PDF of last month's processing statement is all we need to start.
See what the data changes
We show you how much of your volume is on corporate cards, what you pay on it today, and what sending the extra detail could change, in writing.
Set up with you
We set up the gateway and invoices with you, then check your first statement to see whether eligible sales are qualifying.
One rep who answers
You get a direct number. When something comes up, you call a person who already knows your account.
FAQ
What finance teams ask.
What happened to Level 2 and Level 3?
Do I need special software?
Can customers pay by ACH?
Will I actually see the savings?
Is there a contract?
Free rate review
Send last month's statement and see what you pay on corporate cards today, and what sending the extra detail could change, in writing.
Get a free rate review