Stop overpaying on every business card you take.
Payment processing for contractors, lumberyards, building-material suppliers, equipment dealers and distributors. Commercial card optimization and CEDP-ready data, ACH for big invoices, and pricing you can read.
Business customers are expensive to accept.
Commercial cards cost the most
Business, corporate and purchasing cards carry the highest interchange — unless the right data goes with the sale.
Big invoices, big fees
A $20,000 materials order paid by card can cost hundreds in processing.
Waiting on checks
Contractors pay by check weeks later, and somebody has to drive it to the bank.
Send the data. Pay less.
When a business card is used, the card networks give lower rates to sales that include extra details. We set your system up to send them automatically.
- Commercial card optimizationWe review how your business, corporate and purchasing card sales are set up and fix what pushes them into higher rates.
- Visa CEDPVisa’s Commercial Enhanced Data Program rewards complete line-item detail — description, product code, quantity and cost — with lower commercial rates.
- Ready for Visa’s new rulesVisa’s Commercial Enhanced Data Program now checks that the data is real. We set it up so your sales qualify.
- Usually a setting, not a new systemIn most cases it’s a gateway setting — we handle it and confirm it’s working on your statement.
Look for these on your statement:
Get in touch and we’ll check yours.
Big invoices? Offer ACH.
Give customers a bank-transfer option for large invoices. ACH costs a fraction of a card payment and settles faster than a mailed check.
- ACH on every invoiceCustomers choose card or bank transfer from the same payment link.
- Invoices and payment linksEmail or text an invoice with a pay-now link — no more chasing checks.
- House accounts and card on fileKeep cards on file for regular customers and charge when the order ships.
- Phone ordersA virtual terminal for orders called in from the job site.
More than payments.
We also help with web design, SEO and financial consulting — from the same local person you call about payments.
Questions from trades and suppliers.
Still have a question? Call and ask. A real person picks up.
Call (319) 403-7423What is CEDP?+
Visa’s Commercial Enhanced Data Program. When a business-card sale includes complete line-item detail, it can qualify for lower rates. We make sure your setup sends it.
Do I need new software for CEDP?+
Usually not. It’s often a gateway setting. We’ll look at your setup and your statement and tell you straight.
Can I steer big invoices to ACH?+
Yes. Add ACH as a payment option on your invoices so customers can pay large balances by bank transfer.
How much could I save?+
It depends on how much of your volume is on business cards. Get in touch and we’ll show you, in writing.
Find out what your business cards really cost.
Tell us about your business. We’ll show you every fee — and how much commercial card optimization could save.