Best B2B Payment Processing Companies
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Input your business’s monthly transaction details and we’ll help you sort from the best valueProduct | Cost Estimate | Payment processing fees | Cost Estimate | Learn more | ||
|---|---|---|---|---|---|---|
Stripe Learn more on Stripe Payments' secure website | Get an estimated monthly cost for your business. | 5.0/5 Best for International B2B payments | In-person: 2.7% + $0.05 Online: 2.9% + $0.30 | $0.00 | Get an estimated monthly cost for your business. | Learn more on Stripe Payments' secure website |
Helcim Learn more on Helcim's secure website | 5.0/5 Best for Subscription billing | In-person: 0.4% + $0.08 Online: 0.5% + $0.25 Plus interchange | $0.00 | Learn more on Helcim's secure website | ||
Stax Learn more on Stax's secure website | 3.6/5 Best for High-volume B2B businesses | In-person: 0% + $0.08 Online: 0% + $0.15 Plus interchange | $99.00 and up. | Learn more on Stax's secure website | ||
Square Learn more on Square's secure website | 5.0/5 Best for Sending contracts | In-person: 2.6% + $0.10 Online: 2.9% + $0.30 | $0.00 Starts at $0/month for unlimited devices and locations. | Learn more on Square's secure website | ||
PayPal Braintree | 4.0/5 Best for Variety of accepted payment types | 2.59% + $0.49 credit & debit cards and digital wallets; 3.49% + 49¢ Venmo (U.S. only). | $0.00 | |||
Paystand | Best for B2B-specific payments solution | N/A Quote-based. | N/A Quote-based. |
Our pick for
International B2B payments
Stripe supports over 135 currencies and is available in more than 40 countries, making it a good solution for B2B companies doing business internationally. It charges an extra 0.4% to 0.5% on top of payment processing rates for invoices and an extra 0.5% to 0.8% for subscriptions and recurring billing.
Stripe
on Stripe Payments' secure website
Pros
- Highly customizable online checkout options.
- No termination fees or long-term contracts.
- 24/7 chat support.
- Can process transactions in more than 135 currencies.
- No PCI compliance fees.
Cons
- Doesn’t sell full countertop POS setups; hardware is limited to handheld terminals and card readers.
- Deposits can take up to two business days.
- No phone or email support.
Our pick for
Subscription billing
Helcim’s free subscription manager tool allows you to set up recurring payments so that your clients automatically get billed (and your business automatically gets paid on time). You can customize payment schedules, add trial periods or one-time setup fees and get an overview of your subscribers in the dashboard. Since there’s no monthly fee, B2B payment processing consists of interchange rates plus Helcim’s per-transaction fee.
Helcim
on Helcim's secure website
Pros
- Businesses save when customers use cards with low interchange rates.
- Offers free POS software.
- Offers volume-based discounts automatically.
- No termination fees, long-term contracts or PCI compliance fees.
Cons
- Deposits are available within two business days; same-day deposit option is not available.
- Interchange-plus costs can be difficult to predict.
Our pick for
High-volume B2B businesses
Stax’s pricing structure is subscription-based, meaning you pay a monthly subscription fee plus a small markup on top of interchange rates to process payments. Monthly plans can be costly upfront, but if your B2B business frequently processes large payments or completes a high volume of transactions each month, the lower processing fees can help you save overall. Each plan also includes the ability to send recurring invoices.
Stax
on Stax's secure website
and up.
Pros
- Businesses save when customers use cards with low interchange rates.
- Unique add-on features, like custom branding.
- No long-term contracts.
- Compatible with POS system providers, such as Clover.
- No PCI compliance fees.
Cons
- Not ideal for businesses with low-volume sales.
- Pricing isn't as transparent as competitors.
- Interchange-plus costs can be difficult to predict.
Our pick for
Sending contracts
Square’s free contracts plan lets you generate and send customizable contracts to your clients. You can choose from a selection of contract templates or create your own to convey your B2B business’s specific policies. Online invoice payment rates range from 2.9% plus 30 cents to 3.3% plus 30 cents.
Square
on Square's secure website
Starts at $0/month for unlimited devices and locations.
Pros
- Offers a free mobile card reader and free POS software plan.
- Can subscribe to related services, such as payroll, that integrate with its POS system.
- No termination fees or long-term contracts.
- No chargeback or PCI compliance fees.
Cons
- Complex businesses might prefer a processor that integrates with more specialized POS systems.
Our pick for
Variety of accepted payment types
In addition to supporting credit card, debit card and ACH payments, PayPal Braintree also allows B2B payments through PayPal, Venmo, Apple Pay and Google Pay. It also includes a recurring billing feature and offers advanced fraud protection tools for an added fee.
PayPal Braintree
credit & debit cards and digital wallets; 3.49% + 49¢ Venmo (U.S. only).
Pros
- No contracts or early termination fees.
- No monthly subscription costs or PCI compliance fees.
- Accepts PayPal and Venmo in addition to credit and debit cards.
- Simple checkout page that looks good on web and mobile.
Cons
- Requires web development.
- Not suited for brick and mortar stores.
Our pick for
B2B-specific payments solution
Unlike many of its competitors that support both B2C and B2B payments, Paystand is built specifically with B2B businesses in mind. You can subscribe to the company’s bank network, which covers 98% of commercial bank accounts, to access fee-free fund transfers. However, credit card processing still comes with transaction fees.
Paystand
Quote-based.
Quote-based.
Pros
- Built specifically for B2B businesses.
- If you move funds via Paystand’s bank network, there are no transaction fees.
- Can create invoicing workflows.
Cons
- Monthly subscription fees are quote-based.
- Card transactions can take two to five days to process.
