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Optimize Your Interchange For The Lowest Rates On B2B & Business to Government Purchasing Cards Today

We enable your business to accept purchasing, corporate and business cards with the lowest possible interchange fees for each card type!

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Why Interchange Pros™ for Your Business?

Interchange Pros™ serves small, midsize and large businesses with card-not-present (CNP) credit card transaction volumes ranging from a few transactions per month to over 100,000 per month: If you key in a transaction at your business, we can lower your interchange fees and save you money!

  • Get paid faster & keep more of your money.
  • Obtain optimized credit card interchange rates.
  • Eliminate mid-qualified and non-qualified surcharges and downgrades.

Company

Interchange Pros™ is a Better Business Bureau A+ rated company providing innovative business-to-business (B2B), business-to-government (B2G) and card-not-present (CNP) payment solutions to a wide range of industries designed to improve cash flow, reduce credit card transaction complexity and optimize interchange rates.


Interchange Pros BBB Business Review
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Our Services

Interchange Pros™ offers a series of business-to-business (B2B), business-to-government (B2G) and card-not-present (CNP) payment solutions that help companies manage credit card processing needs while retaining more of their profits.

B2B Payment Solutions

We can help you process B2B, B2G and other CNP credit card transactions to improve your cash flow while keeping more of your hard-earned profits.

Interchange Optimization

We can help you save more money when accepting B2B, B2G and other CNP credit cards. Stop overpaying for credit card transactions.

Level 3 Processing

We can help you optimize your interchange credit card rates – achieving Level 3 rates for Level 2 effort – using our secure system.

Cost-Reduction Consulting

We can help you streamline and optimize your payment processing practices to improve cash flow and increase profitability.

Level 3 Credit Card Processing

Consumers, businesses, and government all have enticing reasons for using their credit cards, such as earning credit card rewards, convenience, and other incentives. And because fewer places have been accepting cash since March 2020, more people and employees are using cards to make transactions safely. But with each transaction, you as the vendor incur enormous credit card processing fees. As much as you appreciate your customers, you don’t want a bite of your profits taken out in interchange rates. It may seem counterintuitive at first, but what can help your business is to collect more information from customers on behalf of the creditors, such as their billing ZIP Code and the card verification value (CVV), which is the three-digit security number on the back of the card. Because requesting this information makes transactions more secure, you can save a lot of money. For example, your business can go from paying an interchange rate of 2.3% and $.10 per transaction to an interchange rate of 1.95% and $.10 per transaction. Our customers sometimes see as much as a 40% reduction in interchange fees per transaction.

Consumers, businesses, and government all have enticing reasons for using their credit cards, such as earning credit card rewards, convenience, and other incentives. And because fewer places have been accepting cash since March 2020, more people and employees are using cards to make transactions safely. But with each transaction, you as the vendor incur enormous credit card processing fees. As much as you appreciate your customers, you don’t want a bite of your profits taken out in interchange rates. It may seem counterintuitive at first, but what can help your business is to collect more information from customers on behalf of the creditors, such as their billing ZIP Code and the card verification value (CVV), which is the three-digit security number on the back of the card. Because requesting this information makes transactions more secure, you can save a lot of money. For example, your business can go from paying an interchange rate of 2.3% and $.10 per transaction to an interchange rate of 1.95% and $.10 per transaction. Our customers sometimes see as much as a 40% reduction in interchange fees per transaction.

Level 3 Credit Card Processing Logo
Level 1 processing usually refers to business-to-consumer (B2C) transactions with as little data as possible. Typically these transactions go through with just the following information:
  • Merchant name
  • Transaction amount
  • The date
Level 2 processing typically refers to business-to-business (B2B) transactions. Usually, businesses and government transactions require business specific payment methods that way their accounting department, or whoever is monitoring the company’s money, can control employee and corporate spending. The information required for these transactions 
usually include:
  • Merchant name
  • Transaction amount
  • The date
  • Merchant name
  • Sales tax amount
  • Customer ZIP code
  • Merchant ZIP Code
  • Tax identification
  • Merchant minority code
  • Merchant state code
Finally, Level 3 processing requires the most detailed data as these transactions are often made using government, purchasing, or corporate credit cards. The more data that is required to complete the transaction, the lower the processing rate. That means that any transaction that is submitted with Level 3 card data will qualify for lower interchange rates with major credit cards such as Visa and MasterCard. And in fact, some vendors are requiring government and institutional cardholders to submit Level 3 Card Data. The data that is required for Level 3 credit card processing Visa includes:
  • Freight amount
  • Discount Amount
  • Unit of Measure
  • Unit of Cost
  • Discount per line item total
  • Destination Country
  • Duty Amount
  • Item Commodity Code
  • Item Descriptor
  • Product Code
  • Quantity of items
  • The ship-to and ship-from ZIP codes
  • Value-added tax (VAT) information (tax amount, rate, invoice #)
The kind of data that is required for Level 3 credit card processing for MasterCard includes:
  • Tax Amount
  • Tax Indicator
  • Customer Code (for purchasing cards)
  • Tax ID
  • Product code
  • Item quantity
  • Duty Amount
  • Item Description
  • Unit of measurement
  • Product Code
  • Extended item amount
  • Debit or Credit Indicator
You’re making transactions with other businesses all the time, and these commercial accounts can have credit cards and other purchasing cards to buy and sell goods and services between you, them, and others. One of the downsides of these cards is that they come with higher transaction costs than traditional credit cards that consumers have. But by requesting more information, you can save more money on these transaction costs.
As a business owner, you don’t really know when a transaction would be a lot less expensive by entering more information, and what information would be required to bring down the interchange fees. Interchange Pros can help get the most money out of each transaction made by your business. One thing that is very important for merchants to understand is that commercial cards are eligible for Level 2 and Level 3 rates, while consumer cards are only eligible for Level 1 data. The more information a business provides, the higher likelihood it is processed at a Level 3. But if insufficient data is given, then the transaction is passed at a Level 1. If your customer only provides enough data that is sufficient for a consumer card, which is a Level 1, then even if a commercial card is being charged for the transaction, it will be charged at Level 1 rates because they did not provide all of the required data for Level 3. Likewise, if your equipment only transfers Level 1 date, you will be charged a Level 1 interchange fee, regardless of the card Level. The transaction level is determined by how much data they provide.
A line-item detail is another way of talking about a field of data that needs to be filled out to process a Level 3 card transaction. Without each line item, you cannot qualify for Level 3 interchange rates. Different card brands participate in different enhanced data programs, and some don’t at all, such as Discover. American Express requires the cardholder to contact them for approval for Level 2 processing, and Visa and MasterCard offer automatic Level 3 transactions.
Business cards may or may not be eligible for Level 3 processing, but most corporate and purchasing cards are. That is because corporate cards, unlike the case of cardholders, the company is liable for the purchases rather than the cardholder.

Industries Served

Interchange Pros™ has experience providing business-to-business (B2B), business-to-government (B2G) and other card-not-present (CNP) payment solutions for a wide range of industries and market sectors, including, but not limited to:

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What Our Customers Say

“I can only say good things about Interchange Pros. We have reached out to them on more then one occasion and they always get right back to us and addresses any of our questions. They are extremely professional and very helpful. ”

-Kelly Stumpo

Village of Bellport

“They lowered my costs to accept Purchasing Cards from the VA by 38%, as they said they would. I highly recommend them! ”

-Ardis H.

South Bay Home Health/Sachem
Home Health Agencies

“Fantastic, professional customer service! Quick and accurate funding! Efficient credit card processing platform.”

-Stacey

Parkside Fuel Inc.

“We began doing business with InterchangePros this past Spring, and are very happy with our decision. They are a very solutions-oriented team and have been super helpful with any questions/concerns or issues that arise during the course of doing business. We've had nothing but positive interactions from the get-go. A terrific company with which to do business! We definitely recommend InterchangePros to other businesses, without hesitation.”

-Mike Harte

Coyote Camp Fireline Chow

“I can say that InterchangePros have been honest and upfront with their fees and services. They said that they could help us save money, and they have been true to their word.”

-Arthur Gagne

Alchemy Composites, LLC

“I have been working with Brendan Ivory for many years. He is very supportive and attentive when need be. He is there in a blink of an eye if there is any issue.”

-Catherine Michel

Framerica Corp

“The team at Interchange Pros are excellent to deal with, any issues or questions are promptly responded to and taken care of. They take a hands on approach to running their business and are clearly very educated in this field. Changing our merchant services to them was a great and successful decision, thanks for the great service!”

-Dan

Marine Mate Marine Supplies

“Good day, I am impressed with the excellent customer service Brendan and his staff are providing to us. Every phone call or e-mail has been answered efficiently and friendly. Although we have only been doing business for a short time he has already lowered the overall rate for our company as promised, especially for the VA Purchasing Card transactions that we process. Looking forward to a positive relationship with Brendan.”

-Dona Connor

National Ramp

“I've been a client of Brendan Ivory from Interchange Pros for well over a decade. I highly recommend them as your merchant service provider. Sure, they have the best rates available, but they also have the help and support you need as well. Typically, business owners shop for the best rates; here, you can get your cake and eat it too!! Brendan is a true professional who knows his business. He is a straight shooter and does what he says. Thanks for the many years together and the great support.”

-John Franco

www.codfuel.com

“Our experience with Brendan and his staff has been nothing but professional. We had several other options before deciding on who would manage our merchant service and I am 100% sure we made the correct choice.- They are timely and responsive , customer service is above and beyond my expectations and the system is very easy to use. I researched other services and the rates are among lowest rates around for B2B businesses. We have been processing with him for nearly 10 years and it has been a pleasure”

-Glen Ponzini

Advanced Speciality Services

“We recently transitioned over to Interchange Pros and they could not have made the process any smoother for us. They were always available any time of the day or night to answer questions and help with the integration into our systems. I highly recommend Interchange Pros based on their professionalism and service.”

-Cheryl Mueller

USADATA, In