B2B Payment Processing

For Complex & Custom Business Models

Tailored payment processing solutions for business-to-business transactions, custom billing cycles, and complex multi-party payment flows.

What is B2B payment processing?

B2B payment processing handles credit and debit card transactions between businesses rather than business-to-consumer sales. Unlike retail processing, B2B transactions often involve larger ticket amounts, custom billing cycles, purchase orders, net payment terms, and detailed line-item data for tax and accounting purposes. Level 2 and Level 3 data capture additional transaction details—customer codes, tax amounts, freight charges, line-item descriptions, and commodity codes—that qualify commercial and purchasing card transactions for lower interchange rates set by Visa and Mastercard. Businesses that sell to other businesses, government agencies, or institutional buyers benefit from B2B processing when their payment systems capture and transmit this enhanced data correctly. MSC's B2B payment processing solutions are designed for companies with complex invoicing requirements, custom approval workflows, and the need to optimize interchange costs on large-ticket commercial card purchases.

How B2B payment processing works at MSC

MSC underwrites B2B merchant accounts through processor partnerships with Fiserv, TSYS, Worldpay, and Elavon, matching each business to the platform that best supports its invoicing structure and card-present or card-not-present transaction mix. Approved merchants receive payment terminals, virtual terminals, or gateway integrations capable of capturing Level 2 and Level 3 data fields required for interchange optimization on commercial and purchasing cards. MSC configures systems to accept purchase order numbers, tax identifiers, and line-item details at the point of sale or within invoice workflows. Training covers data-entry requirements, settlement timelines, and dispute procedures specific to B2B transactions. Pricing depends on business type, processing volume, equipment needs, risk review, and program eligibility. MSC structures B2B processing around your invoicing structure, processing volume, and card-not-present transaction mix. Contact MSC for current rates and program options tailored to your B2B billing cycles and transaction types.

Who B2B payment processing is for

B2B payment processing serves wholesalers, distributors, manufacturers, contractors, professional services firms, and any business that invoices other companies or government entities with commercial or purchasing cards. Ideal candidates process transactions with detailed line items, accept corporate card programs, manage net-30 or net-60 billing cycles, and need to reduce interchange costs through Level 2 and Level 3 data submission. Businesses that issue invoices for large-ticket purchases, multi-location deliveries, or project-based billing gain the most from B2B-optimized processing. MSC underwrites every account through its processing partners, who set final approval criteria. This solution is not designed for high-volume consumer retail where transaction detail is minimal, or for businesses that cannot capture the customer and line-item data required to qualify for commercial card interchange rates. Contact MSC to determine whether your invoicing workflow and card acceptance needs align with B2B processing requirements.

What you get with MSC

MSC provides B2B-capable payment terminals, virtual terminals, or gateway integrations subject to underwriting and equipment eligibility. Qualified merchants may receive hardware placement at no upfront cost when enrolled in qualifying processing programs. Training covers Level 2 and Level 3 data-entry workflows, commercial card acceptance, and reconciliation procedures specific to invoiced B2B transactions. MSC offers 24/7 US-based customer support for technical troubleshooting, transaction disputes, and system configuration changes. Merchants gain access to reporting dashboards that track interchange qualification rates and identify transactions that did not capture required data fields. MSC helps merchants review available options based on business type, payment flow, risk profile, and operational goals. Contact MSC directly for current program options, equipment availability, underwriting requirements, and pricing based on your business type, processing volume, and transaction characteristics.

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Talk with MSC about current rates, hardware options, and program eligibility for your business.

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