Business to Business

Growing at a rapid pace, B2B and government purchasing cards offer many conveniences. Purchasing cards for business, corporate, purchasing and GSA (government) cards have the capability to be tracked and controlled (unlike consumer cards.) These cards carry the ability to report data such as tax amount, customer codes and line item transaction details. Plus, they offer an efficiency advantage as they replace tedious paper-based systems.

Controlling Interchange Fees in B2B

Processing credit card transactions come as an expense to you. We help keep this expense down by managing the interchange costs. It’s been figured that 90% of the expense of processing credit card transactions is due to processing fees between banks. Your goal is to qualify for the lowest possible interchange level. By sending more customer data, your costs will be reduced. Sending Level III data on qualifying cards can reduce your processing cost by as much as 90 basis points ($90.00 on a $10,000 transaction).

Level II Interchange Fees – Qualification criteria

Tax Amount
Customer Code

Level III – Qualification criteria

Tax Amount
Customer Code
Line Item Transaction Detail

Qualifying for Level III Payments

We offer several support vehicles to fully integrate with your systems. We support your payments through each level including ERP, Order Entry, Accounting, Website and more. Our staff provides support via our virtual terminal and software to fully integrate with your unique payment processing needs.

Working with Merchants First on your B2B

At Merchants First, we understand your unique needs. Each of our clients has a relationship manager assigned to their account so that your unique details and account are always understood and needs quickly met. You and your relationship manager remain in constant communication so that you’ll both achieve your goal: The success of your business.

Merchants First Services for B2B clients:

Fully Integrated/ No Hassle

POS, ERP, Quickbooks – we do it all. We’ve seamlessly performed over 4000 complex installs without any downtime.

Easy reporting that’s accessible from anywhere

Our easy reporting allows us to email any report you’d like, in a format you and your payment team needs. Our online reporting and email reports are some of our client’s favorite features.

Fraud Alerts for B2B Clients

Internal fraud is serious to any business, and especially B2B clients. We provide fraud and/or suspicious activity reports that are sent directly to senior management to quickly cut off internal fraud. We work with many vendors to help mitigate your chargeback liability. Our proprietary Click-To-Score Fraud Tool is designed to eliminate costly chargebacks.

Next Day Funding for B2B

Money can be funded in as little as the next business day on all Visa, MasterCard, Discover and American Express.

Easy Account Balancing

We keep things simple for our clients by taking our fees out once/month – not daily. We also offer one deposit for all Visa, MasterCard, Discover and American Express deposits to keep reconciliation easy.

Disruption Free Conversion on B2B

Hate change? We actually don’t mind it. That’s because if you need to change something, we plan ahead, test and don’t leave until everything works seamlessly.