Get paid on every invoice. Keep more of every payment.

Merchant services for distributors, wholesalers and B2B sellers — card, ACH and eCheck processing with commercial-card savings built in and a real account team behind it.

Get a free statement review › Estimate your savings ›

Accept every way your buyers pay

VisaMastercardAmerican ExpressDiscoverACHeCheckApple PayGoogle Pay

One provider for every payment

Everything a B2B business needs to accept payments

Whether you sell from a warehouse counter, over the phone, online or on net terms, we set up the tools that fit the way you already do business.

Level 2 & 3 processing

Pass tax, PO and line-item detail with each transaction so commercial and purchasing cards qualify for lower rates.

ACH & eCheck

Collect large invoices by bank transfer at a fraction of card costs, with verified checks and faster settlement.

Invoicing & pay links

Send branded invoices with a secure payment link. Buyers pay by card or bank, and you see it the moment they do.

Virtual terminal

Key in phone and mail orders from any browser, with stored customer profiles for repeat accounts.

Recurring billing

Automate standing orders and service contracts on the schedule your customers agreed to.

Online gateway

Connect your existing shopping cart or B2B portal to a secure, PCI-compliant payment gateway.

Terminals & POS

Countertop, wireless and mobile terminals for will-call counters, trade shows and delivery drivers.

Surcharging & dual pricing

Compliant programs that let you offset card fees on the transactions where it makes sense.

Commercial-card savings

Most B2B sellers overpay on business cards

When a corporate or purchasing card is run without enhanced data, it's billed at the highest interchange rate. Sending Level 2 and Level 3 data changes that — automatically, on every eligible transaction.

Estimate your monthly savings

Estimated savings $1,350 / month

Estimate assumes an average 0.9% reduction on eligible commercial-card volume. Your actual savings depend on card mix and data quality — a statement review gives you the real number.

Why Wholesale Merchant

A payments partner, not a help-desk ticket

Approvals in hours

A streamlined application with minimal paperwork. Most accounts are reviewed and approved the same day, so you can start taking payments fast.

Transparent pricing

Interchange-plus pricing with a clear, fixed markup. No hidden fees, no surprise charges, and statements you can actually read.

A dedicated rep

You get a named account manager who knows your business — a real person to call, not a queue. Technical support is available around the clock.

Getting started

Switching takes days, not months

Send a recent statement

We break down exactly what you're paying today and where the money is going.

Get your custom rate

You receive a side-by-side comparison with pricing built around your volume and card mix.

Go live

We handle setup, equipment and gateway integration so your team keeps working without interruption.

Industries

Built for businesses that sell to businesses

DistributorsWholesalersManufacturersBuilding supplyFood & beverage distributionIndustrial & MROAuto partsMedical supplyProfessional serviceseCommerce

We also set up payments for the businesses below. Each one has its own quirks — pick yours to see how we handle them.

Auto Service & RepairEstimates, deposits and fleet cards Coffee ShopsFast tap-to-pay and tip handling RestaurantsPay-at-table, splits and tip adjust BoutiquesCounter, market and online in one RetailMulti-lane and multi-location

Talk to sales

See what you could save

Tell us a little about your business and a payments specialist will follow up with a free, no-obligation statement review.

Prefer email? Reach us at sales@thewholesalemerchant.com.