B2B Payment Processing
Merchant Accounts for B2B Companies
Reliable payment processing for B2B companies, wholesale distributors, and enterprise service providers.
B2B Expertise
Our underwriting team works with B2B businesses across every vertical, with experience in high-volume and high-ticket enterprise billing.
Invoice Billing
Net-30, net-60, and milestone-based invoice payment collection handled through our gateway with full reconciliation support.
Global Acquiring
Accept payments from enterprise clients in 135+ currencies with local acquiring that improves approval rates on international B2B transactions.
See How Your B2B Processing Rates Compare
B2B merchants with large invoice values benefit most from interchange-plus pricing. Enter your volume to see what we can offer.
- Underwritten for high-ticket invoice values
- Net-term invoice billing supported
- Multi-currency for international enterprise clients
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
Payment Infrastructure for B2B Commerce
Challenges B2B Companies Face
Large Invoice Value Scrutiny
B2B invoices often run $10,000 to $500,000. Standard merchant accounts are not underwritten for transaction sizes at this scale.
Net Payment Term Complexity
Net-30 and net-60 payment terms create cash flow timing challenges when combined with card processing reserve requirements.
International B2B Declines
Enterprise clients on foreign-issued cards see higher decline rates when your processor lacks local acquiring in their home market.
Reconciliation Complexity
High-volume B2B billing requires clean reporting and reconciliation that consumer-focused gateway tools do not always provide.
Built for Enterprise Commerce
Enterprise B2B Underwriting
Specialist underwriting for wholesale distributors, enterprise service providers, and B2B SaaS companies with large average invoices.
Invoice Payment Collection
Net-term invoice payment links and online billing portals that let enterprise clients pay on their schedule.
Multi-Currency Acquiring
Accept 135+ currencies with local acquiring in key markets, improving approval rates for international enterprise clients.
Recurring Contract Billing
Monthly SaaS fees, annual service contracts, and subscription license billing managed through our gateway's recurring engine.
Chargeback Alert Integration
Ethoca and Verifi alerts catch incoming disputes before they post, protecting revenue on large enterprise invoices.
Dedicated Account Manager
A named account manager experienced with B2B enterprise payment processing, available around the clock.
Corepay By the Numbers
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135+ Currencies Supported
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24-72h Typical Approval Window
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98% Uptime SLA
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
A B2B merchant account is for any business that frequently sells goods or services to other companies or government agencies. These accounts differ from retail merchant accounts in that they require a customized setup to ensure commercial credit card transactions qualify at their lowest possible interchange rate.
Choosing a B2B Merchant Account
Once you begin making sales, having the right payment processing system in place is essential. Understanding credit card processing terminology helps you read your monthly statement and make sure you are not overpaying. If your industry falls into the high-risk category, you will need a processor that specializes in high-risk services.
Applying for Your B2B Merchant Account
You will need the following when applying:
- EIN document
- Operating address
- Voided check
- Business plan (optional, but helps us understand your needs)
- Principal’s driver’s license
- Articles of incorporation
- Personal and business financial statements
The more information you provide at the time of application, the faster we can get you approved.
B2B Payment Processing Solutions
B2B businesses typically deal with larger purchase sizes, long-term relationships, and high transaction volumes. Industries that commonly operate in the B2B space include financial services, technology, construction, web development, healthcare, insurance, real estate, and marketing.
Two of the most popular methods for B2B payment transfers are ACH and wire transfer. ACH payments are commonly used because they are efficient, paperless, and secure. They also carry lower fees than card transactions, making them ideal for high-volume B2B billing.
B2B Underwriting
We perform underwriting at the time of application so you can avoid surprises later. Low-risk processors often skip upfront underwriting, which can lead to frozen accounts and held funds months down the road. Our goal is to understand your business fully so we can match you with the right processing solution from the start.
PCI Compliance
Any business that makes online sales needs to maintain PCI compliance. PCI standards govern how companies collect, store, and protect cardholder data. Non-compliance can leave you liable for fraudulent charges and data breaches. We make sure all of our merchants stay current with the latest PCI revisions.
Industry Codes
B2B businesses are typically categorized by MCC, SIC, and NAICS codes to comply with payment industry requirements. Common codes include SIC 7380 (miscellaneous business services), NAICS 42 (wholesale trade), and MCC 9950 (B2B intra-company).
Why Choose Corepay
- Account approvals within 24 to 72 hours
- Risk mitigation through Order Insight by Verifi
- Chargeback alerts
- Rates as low as a blended 2.95% for high-risk
- Full transparency on pricing and terms
