Your B2B payment processor

Save big with AND

The lowest B2B rates, with no extra work

Merchants who take payments from other businesses are in a unique position to drastically reduce underlying interchange fees. By utilizing Visa/Mastercard's Level 2 and Level 3 rate programs, you can save up to 50% on interchange fees. Historically, getting these lower rates was a cumbersome and difficult process. Not anymore! The AND gateway automatically gets you lower rates, with no extra work on your part. Just run the sale like normal!

What's included in your AND account?

We make this easy. AND accounts give you access to the tools you need, and the lowest rates out there:

          Membership Pricing with no surprises OR
 

          Zero-cost processing options
 

          AND gateway with email invoicing

          Take in-person, phone, or online payments

          Accept ACH / eCheck payments

Business-2-Business merchants AND supports

AND loves working with B2B merchants - our technology makes acceptance a breeze, and your organization is primed to get the lowest rates out there. We work with all B2B and B2G merchants, big and small.

Zero-cost processing:

reduce fees by 90%

Business-2-Business and Business-2-Government merchants are in a unique position to keep costs low. Many businesses prefer to pay by credit, due to the fact that they can defer payments over a long-term - so they're more willing to pay for that service. The AND gateway allows you to surcharge your sales to ensure that you cover the cost of processing fees. That way, if you take a $5,000 payment you keep the whole payment, and your customer pays the processing fees. 

The AND gateway includes both invoicing and recurring payments built in for free so you can quickly send "click to pay" invoices to your clients. They can pay by card or ACH, and you can opt to "pass along" processing fees in the request. Prefer to bill your client over time? No worries. Just "set it and forget it" with recurring billing, and automatically charge clients at a predetermined interval. Simple!

Invoice with ease

Taking payments in-person is a great way to keep rates low and reduce disputes. AND offers numerous low-cost terminals with all of the latest features - EMV, contactless (NFC and Apple Pay), along with wireless connectivity. Learn how a smart payment terminal can help reduce back-office expenses and keep your office running smoothly.

In-person Payments

Learn how everything works

Point of sale, PCI, smart terminals... we get it, there's a lot going on. Let AND guide you through the details. Check out our FAQ page to see side-by-side charts explaining program differences, common definitions, and more. Our goal is to ensure our merchants are knowledgeable about all options.

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.