Level-2/3 interchange optimization
Automatic enhanced-data submission on commercial card transactions. Typical 0.5–1.0% interchange savings on qualifying B2B card volume.
// INDUSTRIES
Payment processing for wholesale and B2B.
Level-2/3 card data submission, ACH for Net-terms invoicing, multi-currency settlement, and ERP-friendly metadata — built for the way wholesale and B2B businesses actually transact.
// THE CHALLENGE
B2B-scale tickets meet B2C-tier interchange when generic processors don't submit level-2/3 enhanced data. That's a 0.5–1% margin leak per card transaction, and it compounds. Same processors charge you to take Net-30 invoice payments via ACH, or treat each settlement as an opaque deposit your ERP can't reconcile.
// HOW VON PAY SOLVES IT
Von Payments submits level-2/3 enhanced card data automatically when your billing system passes it through. ACH for Net-terms is first-class. Settlement reporting flows back into your ERP with full metadata, customer codes, and reconciliation references — so finance close isn't a manual exercise.
// WHAT YOU GET
Built around how this vertical actually runs.
ACH for Net-terms invoicing
Net-30, Net-60, Net-90 invoice payments via ACH. 2–3 day clearing, far lower per-transaction cost than card acceptance for B2B-scale dollar amounts.
ERP-friendly settlement
Webhook-driven settlement events with full metadata, customer codes, and reconciliation refs. Compatible with QuickBooks, NetSuite, SAP, and most B2B billing platforms.
// COMMON QUESTIONS
What underwriting usually asks about this vertical.
- What are level-2 / level-3 card data and why does it matter for B2B?
- Visa and Mastercard offer reduced interchange rates on commercial card transactions when the merchant submits enhanced data — line items, tax detail, customer codes, shipping info. The interchange savings on level-3 vs. standard processing is typically 0.5–1.0% per transaction, which on B2B-scale ticket sizes adds up fast. Von's vault submits level-2/3 data automatically when present, so you don't have to manage it in your billing system.
- Do you support net-terms invoicing and ACH?
- Yes — ACH/eCheck for Net-30, Net-60, and Net-90 invoice payments. ACH clears in 2–3 business days at a fraction of card-acceptance cost. Hosted invoice links + email/SMS reminders keep DSO reasonable without manual collections work.
- How does Von handle wholesale-MOR / customer-of-record reporting?
- Webhook-driven settlement events feed your ERP or accounting system with full transaction metadata, customer codes, and reconciliation references. Compatible with QuickBooks, NetSuite, SAP, and most B2B billing platforms.
- Do you support multi-currency for international wholesale?
- Yes. Multi-currency settlement across major card networks, with configurable FX handling. International acquiring through specialized correspondent banks where the volume warrants it.
- What about purchase orders and approval workflows?
- PO numbers and approval-chain references are passed through as transaction metadata and surface in your ERP integration. We don't build approval-chain workflow ourselves — that lives in your purchasing system — but we make sure the data flows through cleanly.
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