B2B Interchange
Optimization.
Epitychia automates Level II and Level III transaction data submission so your invoicing is streamlined and your interchange rates are competitive — recovering 50 to 100 basis points on qualifying commercial card volume.
B2B card transactions move through a different fee landscape than consumer transactions. Commercial cards, purchasing cards, government cards, and corporate cards all have their own interchange categories — and qualifying for the lowest-cost categories requires submitting additional transaction data with each authorization.
Most B2B platforms either don't submit the data, submit it incompletely, or submit it without the gateway and processor configuration that lets the network actually qualify the transaction. The result: paying standard commercial interchange when Level II or Level III was available. On any meaningful B2B card volume, that gap is six to seven figures annually.
What we do
We assess your current interchange qualification, identify which transactions are missing Level II or Level III enrichment, and architect the data flow that captures and submits the required fields. We work with your gateway, processor, and ERP/billing system as needed. The deliverable is live, measurably-optimized processing — and the residual savings compound for the life of the merchant account.
How we charge
Two paths. If we place your processing as your ISO, the optimization work is included in the relationship — we earn from the placement, you keep more of every transaction. If you stay with your existing processor, we scope the optimization as a fixed-fee engagement priced against the basis-point recovery we project.
Common questions, direct answers.
- What is Level II / Level III interchange?
- Visa, Mastercard, and the other networks publish lower interchange categories for B2B transactions when additional data is submitted with the transaction. Level II requires basic enrichment (tax amount, customer code). Level III requires line-item detail (item description, quantity, unit price, freight, ship-to ZIP). Qualifying for Level III on commercial card volume typically reduces interchange by 50–100 basis points per transaction.
- Will my customers see any change?
- No. Level II / III enrichment happens in the background between your gateway, your processor, and the card networks. The cardholder experience is unchanged.
- How much can we save?
- For a B2B SaaS or wholesale business with $10M+ in commercial card volume, savings typically range from $50,000 to $200,000+ per year, depending on card mix and current configuration. We model the recoverable savings against your actual statement before any work begins.
- How do we get started?
- Schedule a strategy call. We will look at a recent processor statement, identify Level II / III qualification gaps, and quote the implementation. Most engagements are 4–8 weeks from kickoff to live optimized processing.
Schedule a strategy call.
Tell us about your stack. We'll show you where the margin is — at no cost, and with no obligation.
Book the call