Distributors, manufacturers & supply
B2B processing is its own discipline. Commercial cards have a separate interchange tier. Level 2/3 data optimization can shave 40-80 basis points off every transaction. ACH at 0.50% replaces credit on terms-based invoices. And ERP integration means payments flow back into NetSuite, SAP, or QuickBooks without a third-party data hub. Xray builds B2B accounts around the realities of AR.
Why generic processing fails Wholesale & B2B.
Customer wants to pay by credit card
Your customer's AP department insists on putting your $12,000 invoice on their corporate card. You pay 3% — $360. Margin gone.
No Level 2/3 means you pay max interchange
Commercial cards get the lowest interchange rate ONLY when you pass PO, tax ID, line items. Most processors don't.
AR aging into 60+ days
Net-30 turns into net-60 turns into "still chasing." Your CFO is angry at you.
Manual reconciliation in NetSuite
Payments come in via ACH, credit card, check. Bookkeeper spends a day a week matching to invoices.
What Xray actually configures for Wholesale & B2B.
Surcharge on credit + ACH at 0.50%
Pass the 3% to AP customers who insist on credit; offer 0.50% ACH as the cheap alternative. They almost always pick ACH.
Level 2/3 data on every B2B transaction
PO, tax ID, ship-to ZIP, line items auto-pass to the network. Commercial cards qualify for the lowest tier; you save 40-80bp.
Hosted invoice portal with auto-reminders
pay.yourcompany.com — customer pays from their phone; auto-reminder at day 14, 21, 28. DSO drops 15+ days.
Native ERP integration
NetSuite, SAP, QuickBooks Online — payments flow back to the open invoice, auto-apply, mark paid. Zero manual matching.
Programs we run
Configured on your account before activation.
- Surcharge on commercial credit cards
- ACH at 0.50% capped at $5
- Level 2/3 data optimization
- Hosted invoice payment portal
- Recurring billing for monthly customer accounts
- Multi-currency for international AR
Software & integrations
Bidirectional, real-time wherever supported.
- NetSuite
- SAP Business One
- QuickBooks Online + Enterprise
- Sage 100, Sage Intacct
- Microsoft Dynamics 365 Business Central
- Acumatica
- Bill.com
Features tuned for Wholesale & B2B.
What it looks like on a Tuesday.
Distributor sends a $24,000 invoice via NetSuite. Hosted payment link auto-emails to AP. AP department logs in, sees three options: ACH at 0.50% ($120 fee), credit card with 3% surcharge ($720 fee), or check (mail-in). 70% of customers pick ACH. Payment settles next business day; NetSuite auto-applies it to the open invoice. DSO on that customer drops from 47 days to 18.
Why generic processors fall short.
Most processors don't even know what Level 2/3 data is, so commercial cards on your account pay the highest interchange tier — costing you 40-80bp on every B2B charge. They don't support surcharging compliantly, don't do ACH at retail rates, and require manual reconciliation back into your ERP.
The actual math.
A wholesale distributor doing $8M with 65% of receivables on credit card (avg $4K invoices) pays roughly $156K/year in fees. Shift to surcharge + ACH model and effective fees drop to $25-35K — a $120K+ annual margin recovery.
Wholesale & B2B questions, straight answers.
What is Level 2/3 data?
It's additional transaction metadata (PO number, tax ID, line items, ship-to address) that qualifies commercial cards for the lowest interchange tier. Without it, you pay max rate.
Will my customers accept surcharge?
On commercial accounts, yes — almost universally. They'd rather use ACH (which is free for you and them) or pay the surcharge if they want the credit-card rewards.
Can you integrate with NetSuite?
Yes — bi-directional sync. Invoices auto-create payment links; payments auto-apply back. Same for SAP, Dynamics, QuickBooks, and others.
How does ACH work?
Customer enters their bank account on your hosted invoice page. Funds settle next business day. 0.50% capped at $5 per transaction.
