B2B Merchant Services & Level 3 Credit Card Processing

BAMS delivers comprehensive B2B merchant services and merchant processing solutions for companies that accept corporate, purchasing, and government cards. Our merchant services account options support Level 2 and Level 3 payment processing, helping B2B merchants qualify for lower interchange rates and more efficient merchant services payment processing.

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How BAMS Supports B2B Merchant Processing & Corporate Card Acceptance

Credit card transactions include interchange fees, which are the largest part of processing costs and often make up 80 to 90 percent of your statement. BAMS helps reduce these costs through a properly configured Level 2 and level 3 merchant processing account for corporate, business, and government cards. Level 3 processing enables enhanced transaction data submission, allowing B2B merchant processing systems to qualify for the lowest available interchange rates on corporate card payments.

Level 2 & Level 3 Credit Card Processing for B2B Merchant Services

Unlock Lower Rates on Corporate Cards

BAMS ensures your system is configured correctly to meet the data requirements for Level 2 and Level 3 transactions, qualifying you for lower interchange rates.

Interchange Cost Reduction

Maximize Every Transaction

You can reduce acceptance costs and increase your margins by submitting enhanced data with corporate card payments.

Automatic Compliance Setup

Streamline Savings

Our platform automatically captures the required data, keeping you compliant with card network standards needed for seamless B2B credit card acceptance, while securing the lowest available rates.

How Much Can Level 2 and Level 3 Software Save For B2B Payment Solutions?

By processing through BAMS’ Level 3 enabled proprietary software, your business can be conﬁgured to deliver savings of up to 50% on interchange fees compared to standard retail, keyed-in, and e-commerce transactions.

With Level 3 Processing

$5,000 processed = $95 in fees
$10,000 processed = $190 in fees
$20,000 processed = $380 in fees
$50,000 processed = $950 in fees
$100,000 processed = $1,900 in fees

Standard Interchange Fees

$5,000 processed = $147 in fees
$10,000 processed = $295 in fees
$20,000 processed = $590 in fees
$50,000 processed = $1,475 in fees
$100,000 processed = $2,950 in fees

With Level 2 Processing

$5,000 processed = $52
$10,000 processed = $105
$20,000 processed = $210
$50,000 processed = $525
$100,000 processed = $1,050

*These savings are estimates only. Actual savings will be determined after a processing statement review.

How Do You Accept Level 2 and Level 3 Transactions?

Accepting corporate, business, and government cards at the lowest rates requires detailed transaction data, but that doesn't mean you have to do the work yourself. BAMS simplifies the process through automation.

What BAMS Provides

Automatically fills in Level 2 and Level 3 data to secure lower interchange fees
Includes eligibility checks as part of our 5-Step Price Comparison
Eliminates manual entry so you can save time while lowering costs

See Why Thousands of Businesses Trust BAMS

From wholesale merchant processing to advanced Level 3 automation, we help companies save more.

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Frequently Asked Questions

Level 3 payment processing is designed for B2B and B2G merchants that accept corporate cards. By submitting detailed transaction data—such as invoice numbers, tax amounts, and line-item details—merchants can qualify for significantly lower Level 3 processing rates compared to standard merchant processing services.

B2B merchant services enable businesses to accept credit card payments from other businesses, including corporate and government cards, using specialized payment processing solutions.

A merchant services account allows B2B companies to process card-not-present and corporate card transactions while qualifying for Level 2 and Level 3 interchange rates.

By submitting enhanced transaction data, Level 3 processing qualifies transactions for lower interchange categories, resulting in reduced processing fees.