Industry guide · Rates & Fees

Reduce card processing costs for B2B wholesale businesses

A quoted rate tells you almost nothing. Your statement tells you what you actually paid, and which part of it anybody could have changed.

Analyze my statement See the money flow

25+ YEARS

of payment processing
experience

25+ YEARS

of payment processing
experience

Rates & Fees · B2B Wholesale

See the costs behind the quoted rate.

Your effective processing cost is more than a quoted percentage.

01Upload a recent statement
02Separate pass-through and provider charges
03Compare the effective cost structure

What we review

Practical details. Real context.

Compare effective rates by card and channel.
Identify recurring fees and avoidable downgrades.
Review payment mix, average ticket and volume.
Quantify opportunities only after reviewing actual data.

We review statements, transaction mix, card categories, chargebacks, ancillary fees and possible pricing downgrades. The right benchmark depends on the underlying acquiring program.

B2B Wholesale workflow

Know the transaction before the rate.

01Quote / purchase order
02Deliver product
03Invoice commercial buyer
04Collect and match payment

Documentation checklist

Build a complete submission.

Customer invoices and terms
Sales volume and average ticket
Business registration and banking
Fulfillment / delivery records

AltirasPay prepares and supports the file. The acquiring bank decides approval, pricing and terms.

Meet Pyper

Need help with the details?

Pyper can explain the steps, prepare questions for an expert and help you understand what comes next.

Ask Pyper

RECEIVABLES AS A PAYMENT NETWORK

Where the money actually moves

Cost follows structure. In b2b wholesale, manufacturing & distribution the shape of the flow decides most of what you pay, before anyone negotiates a rate.

ORDER

Customer Account · PO

INVOICE

Portal · Card / ACH

RECONCILE

ERP · Statuses · History

A statement settles it

We read the statement and separate what the card networks set — which nobody discounts — from what your processor charges, which is the part anyone can actually move. Then we tell you which it is, including when the answer is that your current deal is already keen.

Analyze my statement