B2B Payment Infrastructure

Reduce your effective
rate.
Eliminate reconciliation.
Book a call.

Most B2B businesses are overpaying on every transaction — locked into flat-rate pricing built for retail, not high-ticket invoices. Access2Pay gives you cost-plus pricing, automated ERP reconciliation, and a dedicated Merchant ID so your payments actually work the way your business does.

30 minutes  ·  No obligation  ·  We review your statement live

30 minutes  ·  No obligation  ·  We review your statement live

0%

Less per transaction

$192 vs $290.30 on a $10K B2B credit card payment

0

Fund freezes

Dedicated Merchant ID with upfront underwriting

0%

Line-item visibility

Automated GL posting to Sage, NetSuite & Oracle

0k

Annual savings potential

vs flat-rate at $10M processing volume

0%

Less per transaction

$192 vs $290.30 on a $10K B2B credit card payment

0

Fund freezes

Dedicated Merchant ID with upfront underwriting

0%

Line-item visibility

Automated GL posting to Sage, NetSuite & Oracle

0k

Annual savings potential

vs flat-rate at $10M processing volume

What You Get

Payment infrastructure that
actually fits how B2B works.

Retail payment tools were built for small, frequent transactions. B2B businesses process large invoices, complex ERP environments, and high-stakes cash flow. Here’s what changes when you move to Access2Pay.

Automated ERP Reconciliation

Your payments post directly to Sage 300, NetSuite, and Oracle — line by line, automatically. No manual entry. No month-end reconciliation headaches. Every transaction mapped to the right GL code the moment it clears.

Lower Effective Rates

Flat-rate processors charge a percentage regardless of card type. Cost-plus pricing passes interchange at cost — you only pay the actual network fee plus a small, transparent markup. On high-ticket debit transactions, the difference is significant.

No Fund Freezes

Platforms like Stripe and Square often allow businesses to start processing payments immediately . However, as transaction volume increases, automated risk reviews can lead to unexpected fund freezes. A dedicated merchant account provides a more stable and reliable processing setup reducing the risk of those issues.

Dedicated Merchant ID & Underwriting

You get your own Merchant ID — not a sub-account pooled with thousands of other businesses. Upfront underwriting means your transaction profile is understood before you process a single payment, not flagged after the fact.

Trusted by

City of Brampton — Municipal Revenue Operations

City of Oakville — Municipal Payment Infrastructure

MISA/ASIM Canada — National Partner 2026

Trusted by

City of Brampton — Municipal Revenue Operations

City of Oakville — Municipal Payment Infrastructure

MISA/ASIM Canada — National Partner 2026

The Numbers

See exactly what you’re paying —
and what you should be.

On a single $10,000 B2B credit card transaction, the difference between flat-rate and cost-plus pricing is $98.30. At $10M in annual processing volume, that’s nearly $1M back in your business every year.

⚠ Flat-Rate Aggregator

Stripe / Square / PayPal

Flat rate (2.90%)

$290.00

Transaction fee

$0.30

OVERPAYMENT

TOTAL FEE

$290.30

VS

✓ Access2Pay Cost-Plus

True Cost Pricing

Interchange — Visa/MC commercial (1.65%)

$165.00

Access2Pay rate (0.27%)

$27.00

TOTAL FEE

$192.00

That’s $98.30 back per $10K transaction — 33% less. At $10M in annual processing volume, that’s ~$983,000 per year in savings straight to the bottom line.

Based on published Visa/Mastercard Canada commercial interchange rates (1.65% representative average). Actual savings vary by card mix.

Free Payment Audit

Find out exactly what
you’re leaving on the table.

On a single $10,000 B2B credit card transaction, the difference between flat-rate and cost-plus pricing is $98.30. At $10M in annual processing volume, that’s nearly $1M back in your business every year.

  • Statement review: We go line by line through your current fees

  • Savings projection: Real numbers based on your actual transaction volume

  • Reconciliation fit: Map how we connect to your ERP environment

  • Risk check: Identify any fund freeze exposure in your current setup

  • No pressure: This is a diagnostic — you leave with answers either way

Book Your 30-Min Audit

Pick a time that works for you. We’ll review your statement and show you exactly what you’re saving.

CONTACT US

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