B2B payment processing for invoices, contracts and franchise networks
Card and ACH payments for the way businesses pay each other: invoices, purchase orders and recurring contracts, on interchange-plus pricing with one dedicated rep across every location.
Short answer
B2B payment processing is how a business collects from other businesses: invoices paid by card or ACH, purchase orders and recurring contracts, mostly without the card present. Franchise payment processing adds one question: whether every location gets the same terms. Clearo offers card and ACH processing on interchange-plus pricing, with a dedicated rep for every client.
The multi-location problem
Managing payments across multiple locations, or multiple business entities, gets complicated fast. Different terminals, different processors, different rate structures, and nobody has a clear view of the whole picture.
Clearo brings it under one roof: one processor, one interchange-plus pricing model and one dedicated rep who knows your whole operation. Whether you're a franchise with 15 locations or a B2B company collecting large invoices from a handful of key accounts, get every location's terms in writing before you sign. See our pricing for how interchange-plus works.
Features
Card and ACH payments
Take cards for convenience and ACH bank payments for large invoices, so each customer pays the way their accounts payable team prefers.
Every location on the same terms
Ask for every entity and location to be quoted on the same interchange-plus structure, in writing, so no store ends up on a side deal nobody remembers.
One rep for every location
A single dedicated rep who knows each entity and location, so a question about one store never starts from scratch.
Opening a new location
Ask for each new location to start on the same setup and written terms as the others, with your dedicated rep as the one point of contact.
High-ticket B2B invoicing
Virtual terminal and invoicing for large B2B transactions. Payment links for purchase orders. Recurring billing for contract clients.
Payments inside QuickBooks Online
Invoice from QuickBooks Online? We can set you up on Elavon processing with Benji Pays, so customers pay the invoice by card and the payment syncs back on its own.
Process B2B invoices with our virtual terminal, accept online payments from clients, and keep franchise-wide billing with one processor and one rep.
What B2B payment processing involves
Business customers pay differently from shoppers. Orders arrive as purchase orders, bills go out with payment terms, and the money often comes from a corporate or purchasing card, or straight from a bank account. Most of it is card-not-present, so the details that cut costs and disputes, such as invoice data and clear billing descriptors, matter more than they do at a counter.
Commercial cards carry their own interchange rates. On Visa's US interchange schedule effective April 18, 2026, a corporate or purchasing card keyed in or paid online costs 2.70% plus 10 cents, while a qualifying sale sent with Level 3 line-item data costs 1.75% plus 10 cents, and Mastercard's 2026-2027 schedule has its own data-rate programs for large-market commercial credit cards. Not every gateway can send that data, so ask any processor before you count on the lower rate.
Our guides cover B2B payment methods, Level 3 credit card processing, invoice payment terms, ACH payments and virtual card payments.
B2B payments FAQ
It is how a business accepts payments from other businesses: invoices paid by card, purchase orders, recurring contracts and bank transfers. The sales tend to be larger and less frequent than retail sales, often paid with commercial or corporate cards, and usually taken without the card present.
On commercial, purchasing and government cards, the card networks set lower interchange for sales sent with line-item invoice detail, which is what Level 3 data means. A consumer card gets no such discount. Our Level 3 guide shows the rates Visa publishes and which sellers gain the most.
Yes. The virtual terminal emails invoices with a pay button, sends payment links for purchase orders, and runs recurring billing for contract clients, so customers pay by card from their inbox.
Yes, Clearo offers ACH payment processing alongside card acceptance, which suits large invoices where a card fee would take a big bite. Our ACH payments guide explains how ACH works and how it compares with cards.
Sources
The commercial card interchange rates on this page come from the card networks' own schedules, checked in October 2026. Rates change, so confirm the current figure with the schedule itself.
- Visa USA Interchange Reimbursement Fees (usa.visa.com)
- Mastercard 2026-2027 U.S. Region Interchange Programs and Rates (mastercard.com)
Disclaimer: general information, not professional advice
This page is general educational information, not legal, tax, accounting or financial advice. Rules and rates vary by place and change, so confirm them with the official source and a qualified professional before you act. Full terms are in our Terms of Service.
Other industries we serve
Clearo works with businesses across the US and Canada. Find your industry below.
Related Services
Everything you need to accept payments and reduce costs.
Payment Processing
Transparent interchange-plus pricing
Merchant Services
Full merchant services stack for small business
Credit Card Processing Fees
Understand fees and lower your effective rate
POS Terminals
Countertop, wireless, and portable terminals
Online Payments
Secure website checkout and payment gateway
Mobile Payments
Accept payments from phone or tablet
Virtual Terminal
Phone and remote payment processing
ACH Payment Processing
Bank-to-bank payments for invoices and B2B
Chargeback Management
Tools and a rep to keep disputes in check
PCI Compliance
Support for keeping card data secure
Surcharging Program
Pass processing costs to credit card users
Pricing
See our interchange-plus rates and how we compare
Guides to B2B payments and invoicing
B2B payments
Invoice payment terms: common examples and how to choose
B2B payments
B2B payments: methods, costs, and how to get paid faster
B2B payments
Virtual card payments: a guide for suppliers
B2B payments
Level 3 credit card processing: data, rates, and savings
Payment basics
ACH payments: how they work, timing and returns
Payment basics
What is an eCheck? How eCheck payments work and clear
Let's talk about your payments
Tell us a bit about your business and how you currently take payments. A Clearo rep will reach out within one business day with a personalized recommendation. No generic pitch, no pressure.
If we can save you money and improve your setup, we'll show you exactly how. If we can't, we'll tell you that too.
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