B2B Payment Solutions

Keep moving at the speed of business with PaymentCloud’s streamlined payment processing and B2B merchant services.

PaymentCloud offers integrations for nearly any AR and ERP system on the market, along with:

Advanced payment processing
Competitive merchant accounts
Fraud & chargeback prevention

Business integrations
Funding solutions
24/7 merchant support

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B2B Merchant Services

Just as some businesses specialize in selling products and services to other businesses, some merchant accounts are simply better equipped to accept payments from other companies and government agencies. Commercial credit card transactions require a customized setup to qualify for the lowest possible interchange rates. B2B payment processing from PaymentCloud is a suite of just these B2B-focused products and solutions

After we approve your application, PaymentCloud helps integrate your account into your sales channels—online, in-store, or over the phone—streamlining your payment processes.

After we approve your application, PaymentCloud helps integrate your account into your sales channels—online, in-store, or over the phone—streamlining your payment processes.

Types of B2B Businesses We Support

Homebuilders
Software Startups
Landscaping
Insurance Agents

Dealerships
Manufacturing
Non-profits
General contractors

Mechanics and Auto Repair Shops
Brokerages
Law Offices
Logistics and Freight

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What are Common Payment Methods for B2B?

When businesses pay other businesses, they often use the most common payment methods. These include:

ACH payments

Automated Clearing House (ACH) payments are a staple in B2B transactions as these electronic transfers allow businesses to move funds seamlessly between bank accounts. ACH payments are a cost-effective alternative to traditional paper checks, offering faster processing times and a reduced risk of error.

Credit cards

An ever-popular choice for many B2B payments, credit card transactions provide both convenience and flexibility, as well as enhanced cash flow management for the payee. They also provide the ability to earn additional rewards on purchases, etc. -credit cards remain an ultimately familiar, widely accepted form of payment between businesses.

Payment gateway

In today's world, where more and more businesses are handling payments online, payment gateways play the role of middlemen between a business's website and financial institutions. Simply put, these gateways make it easy for businesses to take payments online. A reliable payment gateway ensures that B2B transactions flow smoothly and keeps all payment info secure.

What are the Costs of a B2B Payment System?

Understanding the cost structure of different payment systems is vital for businesses aiming for cost efficiency. Unlike the fixed prices in B2C, advanced payment systems for B2B must cater to diverse business requirements, leading to varying associated costs.

B2B vs B2C payment processing costs

Due to lower transaction volumes and the complexity of business relationships, B2B transactions often have higher processing costs than B2C transactions. As a result, B2B accounts need to be set up to optimize credit card transaction interchange rates

Levels of B2B payment services

B2B payment services are often stratified into different processing levels to cater to the diverse needs of multiple businesses and industries. Basic services include payment processing, while more advanced levels include custom reporting, automated invoicing, and integrations. Assess the specific needs of your business to determine which B2B payment services are best for your business.

How B2B Payment Solutions Help Protect Your Business from Fraud

PaymentCloud's suite of merchant services offers advanced fraud protection for B2B payments. These are implemented through:

Tokenization

Tokenization adds an extra layer of security by replacing sensitive information with a unique identifier or "token." This process minimizes the risk of data breaches, ensuring that even if a token is intercepted, it holds no value for potential fraudsters.

Two-Factor Authentication

Implementing two-factor authentication adds an extra verification step to the payment process. This may involve a combination of passwords, PINs, or biometric data, enhancing the security of B2B transactions and reducing the likelihood of unauthorized access.

Fraud Tools

Advanced fraud detection tools analyze transaction patterns and behaviors to identify potentially fraudulent activities. These tools use machine learning algorithms and real-time monitoring to detect and prevent fraudulent transactions, safeguarding your business from financial losses.

B2B Payment Software Integrations

Businesses need a payment system that will integrate fully with their other business software to streamline processes, minimize manual data entry, and ensure accurate financial record-keeping as intended. PaymentCloud delivers. Our solutions offer integrations that sync seamlessly with accounting systems, ERP software, and other relevant platforms you already use.

What's Required for B2B Merchant Account Services?

Setting up a B2B merchant account is easy. With just a few documents, we’ll help set up secure and efficient transactions for your business. Obtaining the following list helps to ensure a painless onboarding process:

A business bank account
A dedicated business website
Business documents such as an EIN, Articles of Incorporation, etc.
Proof of compliance with any industry-specific regulations

Should you need assistance understanding or fulfilling any of the above, PaymentCloud is here to help.

Why Choose PaymentCloud?

Whether you’re dealing with tricky, industry-specific compliance issues, or you need assistance setting up a business bank account, PaymentCloud offers guidance, resources, and industry-specific support to help optimize your B2B business under our wide umbrella of merchant service offerings. Let us help you get your business up and running today!