B2B & Wholesale Payment Processing
When other businesses pay you with commercial cards, invoices, or larger tickets, retail rates rarely fit. CMS compares Flat Rate, Surcharge, and Cash Discount—and flags B2B needs when they matter.
What usually changes what you pay
In b2b / wholesale, ticket size, how customers pay, and debit versus credit mix can move your real cost more than a advertised “flat” plan admits. Use the points below as a checklist when you compare options.
- Business and purchasing cards
- Invoice / AR workflows
- Larger tickets
- Accounting connections
Good to know
These notes are written for business owners. They explain what CMS looks at before recommending Flat Rate, Surcharge, or Cash Discount for this industry.
- Purchasing and commercial cards often cost more than consumer cards—large invoices make opaque rates hard to defend.
- Surcharge on eligible credit (where allowed) can offset part of that cost; Cash Discount rewards cash/check payers.
- Flat Rate still works when you want one predictable number across invoices.
- CMS does not invent third-party B2B savings claims. Market reference uses verified official sources only.
Flat Rate · Surcharge · Cash Discount
Consumer flat rates are a poor fit for wholesale. CMS steers toward clear Flat Rate, Surcharge, or Cash Discount structures you can defend on a large invoice—with modest savings and no invented “B2B savings” claims.
- CMS Flat Rate
- CMS Surcharge Program
- CMS Cash Discount Program
- CMS B2B Payments (when commercial-card heavy)
CMS does not auto-publish third-party “B2B savings” claims. Only verified official processor sources feed market reference.
Pricing only. CMS does not recommend a terminal, POS, gateway, or partner platform on this page.
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