Industry Solution
B2B & Wholesale Payments with Level 2/3 Optimization
Level 2 and Level 3 interchange optimization, invoicing, ACH, and net terms billing. Built for wholesale distributors and B2B sellers.
Secure & Compliant
Verified Protection
Independent Advisory
No lock-in contracts
Same-Day Deposits
Fast Funding
Local Support
Mon-Fri 8am-8pm MT
B2B & Wholesale Payments
Level 2 & Level 3 Savings
B2B and wholesale merchants pay too much when commercial cards downgrade to standard interchange. FINESSE configures Level 2 and Level 3 data submission to qualify commercial transactions for the lowest interchange tiers, paired with B2B invoicing, ACH, and net terms billing.
Level 3 processing saves B2B merchants 0.7 to 1.2 percent on commercial cards
1%
Average rate reduction on commercial cards
95%
Level 3 qualification rate
$0
Long-term contracts
Key Features
Level 2 interchange data
Level 3 interchange data
B2B invoicing
ACH acceptance
Net terms billing
Card on file
Recurring billing
Same-day deposits
Frequently Asked Questions
Level 2 and Level 3 are enhanced data submissions on commercial card transactions. Submitting line-item detail qualifies the transaction for lower interchange rates, saving 0.5 to 1.2 percent.
Yes. FINESSE configures Level 2 and Level 3 data submission and verifies your transactions are qualifying at the lowest available rate.
Yes. The platform sends branded invoices with payment links and stores cards on file for repeat orders.
Standard. ACH is available at flat rates significantly lower than card processing, ideal for net-30 and net-60 B2B accounts.
Sometimes. FINESSE will model dual pricing, surcharging, Level 3, and ACH to find the lowest total cost for your mix.
Explore More Solutions
Ready to Get Started with B2B & Wholesale Payments?
Get a free quote and custom quote. No contracts, no hidden fees.