About
Plumbers Supply B2B payment optimization
How can B2B distributors lower commercial-card processing costs?
Plumbers Supply accepts payments in a B2B distribution environment where commercial cards, interchange qualification, transaction data, ACH and invoice workflows all affect payment cost. The business needed to understand where its costs were coming from and which changes could actually improve the economics.
For B2B companies with the same challenge today, Swipesum combines Swipesum Audit, Swipesum Gateway, Merchant Accounts, Interchange Optimization and Cost Reduction. Swipesum Gateway supports the richer payment data and Level 2/3 strategy that can materially improve B2B card economics.
If your B2B card costs are high or Level 2/3 data is not consistently qualifying, have Swipesum review your interchange and payment-data strategy.
The challenge
Why B2B interchange stays high when transaction data is incomplete
The existing setup included high commercial-card interchange, separate ACH processing, non-compliance fees, standalone payment devices and billing that was difficult to evaluate. The answer had to improve qualification and pricing without making accounts receivable harder to operate.
B2B interchange
Commercial-card transactions were not consistently benefiting from the best available qualification opportunities.
Fragmented payments
Card and ACH operated across separate arrangements, adding complexity to payment and invoice management.
Opaque fees
The business needed an independent view of processor markup, pass-through costs, compliance charges, and other avoidable fees.
Implementation
How payment auditing + Level 2/3 optimization reduced B2B cost
Find the payment-cost leakage
Swipesum reviewed statements and transaction economics to separate unavoidable card-network costs from processor pricing, qualification issues and fees that could actually be improved.
- Statement and fee analysis
- Interchange qualification review
- Processor pricing assessment
- Card and ACH cost comparison
Improve qualification with richer B2B payment data
The strategy focused on Level 2 and Level 3 transaction data, better commercial terms and a more coordinated approach to card and ACH acceptance.
- Level 2 and Level 3 data strategy
- B2B interchange optimization
- Card and ACH payment strategy
- Ongoing payment-cost review and support
