A B2B merchant account is for any business that frequently sells to other companies or government agencies. It differs from a retail merchant account in that it requires a customized setup to ensure that commercial credit card transactions qualify at their lowest possible interchange rate.

For most businesses, the problem with ensuring optimal interchange is that it’s confusing, and your processor has no incentive to assist you. The time needed to learn the ins and outs of interchange to ensure you’re properly optimized is significant, and since the savings only benefit you, not your processor, you’re usually on your own. However, if you’re a Merchant Bugs client, we include a free Interchange Optimization analysis of your statement as part of our services to lower your backend fees(interchange) and potentially save you thousands.

Interchange optimization can save you money, but only if 1) you’re on a pricing model that allows the savings to be passed to you instead of your processor and 2) you’re able to see transaction-level interchange detail on your statement, and that’s where WE COME IN!