Selling B2B, Paying too Much in Processing Fees? Let’s Change That!

For businesses that sell to other businesses or the government, chances are they are seeing very high processing fees month after month, cutting into profits. This is the result of payments being made with a Business, Corporate or Purchase card, which have the highest cost structure as set by the Card Brands and card issuing banks. Unfortunately, businesses cannot control the type of credit card presented for payment at any given time. However, business owners can control the fees associated with processing Business Card products.

Risk is a prominent buzzword in the world of merchant services. To that end, purchases made with a Business card product are perceived to have a higher risk profile, thus a higher cost. However, the cost on Business card products can be reduced by up to 1.10% when Level 2 and Level 3 data is provided with the transaction. The concept is that if you can provide the Card Brands with extra information pertaining to a sale, the sale looks more legitimate, is less risky and therefore costs less.

So, what is Level 2 and Level 3 data? In simple terms, Level 2 data deals with tax while Level 3 data includes 12 additional fields of information. Here is the catch, only select systems and processors can process and support Level 2 and Level 3 data. Therefore, you need to find the right partner.

Clarity EPS is proud to offer the CardPointe platform, which supports Level 2 and Level 3 data through its Virtual Terminal, Mobile App and P2PE Terminal.  More importantly, we understand that due to the detail required, business owners cannot be expected to enter Level 2 or Level 3 information even on one transaction, as other companies expect. For that reason, we automatically pass through the line item requirements needed for a business to obtain Level 3 rates on the back end, saving up to 1.10% on certain Business Card Products.

At Clarity EPS our focus is to ensure business owners use best practices when processing a transaction either in person, over the phone or online. The key is to understand your role in the process, which in turn allows you to make the right decision as it pertains to your business. User error or lack of knowledge should never be the reason to pay higher fees.

About US

Clarity EPS works with businesses of all sizes, from the corner bakery to multi-million dollar organizations, helping them process payments in a more efficient, secure and affordable manner. We assist businesses in eliminating the guesswork regarding payment processing and provide concise, clear and understandable solutions. Our core values are rooted in honesty, fairness and transparency.

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Contact: (561) 338-4446 | | Twitter: @clarityeps