B2B Payment Processing

Get Level 2 and Level 3 rate reductions automatically with the AND Gateway for eligible purchasing, corporate, business, and government credit cards

What are the level 2 and level 3 programs?

Visa and MasterCard incentivize credit card usage between businesses and governments. Historically businesses often take payments by check and ACH, so the card brands want to encourage merchants to offer credit card acceptance for their large B2B transactions. To do so, they offer  lower interchange rates for many different kinds of B2B transactions. Read more here

There are several qualifying card types. If your customers pay with a business card, corporate card, purchasing card, or government card then your business is eligible for discounts. Sometimes, they can be up to 50% or more. 

Request a free analysis

AND industry experts will review your current processing statements, and provide you with a detailed comparison. We want you to see how we're transparent with our pricing - we'll take the time to explain your current statements, and how we'll be different.

What kinds of savings are we talking?

Common reductions in interchange are about 0.80% of the sale volume. For example, the "base" Visa Business card rate is 2.70%. But if you gather all appropriate level 3 information with the sale, then that rate falls to 1.90%! So if you process a $10,000 transaction - you just saved 0.80%, or a full $80 on a single sale. Wow! Overall interchange fees would have been about 30% less.

Savings can get even more drastic on government cards. The best rates on GSA cards get down to 1.20% + $39/sale. That means that a $25,000 sale that would have cost $675 only costs $339. That's slightly over half of the cost! The larger the sale, the bigger the savings.

So how does it work?

Normally, getting level 2/3 rates can be a bit of a bear. You're required to submit specific information with each sale - such as the tax value, the PO number, shipping zip codes, etc. It's information that can be cumbersome to input, easy to forget, and not all systems even prompt for it!

That's where AND comes in. We just... do it for you. In the background. You enter a sale, and our gateway automatically fills in the blanks. You don't have to think about it, the gateway is automatically getting the lowest rates for you. Every single time, for no extra cost. Easy.

Learn about B2B Payment Processing

We want our merchants to understand how this industry works. We get it - there's a lot of information out there, and it's easy to get overwhelmed. Check out our Resources page to learn more about how B2B works, so that you can make the right decisions.

We're serious about saving money.

AND is dedicated to getting your processing rates as close to zero as possible. We utilize membership pricing along with cash discounting and surcharging programs to maximize savings. Let our analysts review your statements and see how much money we can put back in your pockets.