Make B2B your destination
PayTrace delivers interchange optimization.
Our gateway platform optimizes data fields, providing instant access to Level II and Level III savings. B2B & B2G purchases can qualify for lower rates by entering additional data at the time of the transaction. Companies that use business, or government cards can qualify for level III rates and can benefit from significant savings.
Large ticket transactions frequently benefit from interchange optimization. PayTrace knows which cards qualify for Level II and Level III interchange savings. We intelligently process the most Level II and Level III qualifying data. This enables us to deliver the opportunity for lower merchant processing fees.
We turn hours of work into seconds, making your work easy and saving labor costs.
What is interchange?
Interchange optimization is available on all PayTrace products, all day, every day.
On our platform, merchants qualify for the best interchange rates on every transaction. Our omni channel solution for secure payments is available online, in-office POS, and through any mobile device. Even merchants accepting payments through common accounting software, CRM, and ERP applications connecting to our API are saving with interchange optimization.
Who sets the rates?
Interchange rates are set by credit card companies such as Mastercard, Visa, American Express, and Discover. Visa and Mastercard typically publish updated interchange rates in April and October. These rates are current as of April 2022, and effective July 2022 for the public.
Are there fees associated with interchange?
In addition to the interchange rate, credit card processing companies often include other fees that are passed along to merchants as part of their processing costs.
What data is required to qualify for each rate?
Visa and Mastercard require different amounts of data to qualify for Level II and Level III rates. PayTrace optimizes this data so merchants can qualify for higher savings on each transaction.
MasterCard distinguishes B2B merchants
differently than Visa.
Mastercard wants all the data. To qualify for the best data rates, make sure you input info into ALL PO
fields and tax amounts greater than $0. If you don’t, the “standard rate monster” will be knocking at your door.
| PayTrace Interchange Optimization | Best Rates | Awesome Rates | Better Rates | Less Optimal Rates |
| MC BUSINESS DEBIT CARD | N/A | 2.10% + $0.10 | 2.65% + $0.10 | 2.95% + $0.10 |
| MC BUSINESS LVL 1 CARD | N/A | 1.90% + $0.10 | $2.65% + $0.10 | 2.95% + $0.10 |
| MC BUSINESS LVL 2 CARD | N/A | 2.05% + $0.10 | 2.80% + $0.10 | 3.10% + $0.10 |
| MC BUSINESS LVL 3 CARD | N/A | 2.10% + $0.10 | 2.85% + $0.10 | 3.15% + $0.10 |
| MC BUSINESS LVL 4 CARD | N/A | 2.20% + $0.10 | 2.95% + $0.10 | 3.25% + $0.10 |
| MC BUSINESS LVL 5 CARD | N/A | 2.25% + $0.10 | 2.25% + $0.10 | 3.30% + $0.10 |
| LARGE MARKET CREDIT | 1.90% + $0.10 *May qualify for large ticket | 2.50% + $0.10 | 2.70% + $0.10 | 2.95% + $0.10 |
| COMMERCIAL PREPAID | N/A | 2.65% + $0.10 | 2.65% + $0.10 | 2.95% + $0.10 |
Qualify for the best Visa rates available.
Always submit AVS information and a PO number with your transactions. If you’re able to include a tax value
greater than $0, you’ll qualify for Level 2 and Level 3 rates, which are even lower than regular B2B rates.
| Qualification Level | Level 3 | Level 2 | Product 1 | Non-qualified |
| PayTrace Interchange Optimization | Best Rates | Awesome Rates | Good Rates | Less Optimal |
| VISA COMMERCIAL PREPAID CARD | N/A | N/A | 2.65% + $0.10 | 2.65% + $0.10 |
| VISA CORPORATE/PURCHASING CARD | 1.90% + $0.10 | 2.50% + $0.10 | 2.70% + $0.10 | 2.95% + $0.10 |
| VISA BUSINESS TIER 1 CARD | N/A | 1.90% + $0.10 | 2.65% + $0.10 | 3.15% + $0.20 |
| VISA BUSINESS TIER 2 CARD | N/A | 2.05% + $0.10 | 2.80% + $0.10 | 3.15% + $0.15 |
| VISA BUSINESS TIER 3 CARD | N/A | 2.10% + $0.10 | 2.85% + $0.10 | 3.15% + $0.20 |
| VISA BUSINESS TIER 4 CARD | N/A | 2.20% + $0.10 | 2.90% + $0.20 | 3.15% + $0.20 |
| VISA BUSINESS TIER 5 CARD | N/A | 2.25% + $0.10 | 3.00% + $0.10 | 3.15% + $0.20 |
Your annual spending affects your
interchange rate.
These “tiers” or “levels” are typically known as the Annual Account Spend. The card category is based on how much money your customer spends with this card on an annual basis. The more money that’s spent on any given business card, the higher the rates.
Visa Annual Account Spend
Mastercard Annual Account Spend
Top industries for B2B merchants.
Visa sorts industries by Merchant Category Codes (MCC).
MCC 8931 Accounting, Auditing, and Bookkeeping Services |
MCC 7372 Computer Programming, Data Processing, & Integrated Systems Design Services |
MCC 7392 Management, Consulting, and Public Relations Services |
MCC 5198 Paints, Varnishes and Supplies |
MCC 7311 Advertising Services |
MCC 5039 Construction Materials |
MCC 5047 Medical, Dental, Ophthalmic and Hospital Equipment and Supplies |
MCC 5044 Photographic, Photocopy, Microfilm Equipment & Software |
MCC 5192 Books, Periodicals and Newspapers |
MCC 5099 Durable Goods |
MCC 5137 Men’s, Women’s, and Children’s Uniforms & Commercial Clothing |
MCC 5131 Piece Goods, Notions, and Other Dry Goods |
MCC 7399 Business Services |
MCC 5065 Electrical Parts and Equipment |
MCC 5051 Metal Service Centers and Offices |
MCC 5074 Plumbing and Heating Equipment and Supplies |
MCC 5169 Chemicals and Allied Products |
MCC 7361 Employment Agencies and Temporary Help Services |
MCC 2741 Miscellaneous Publishing and Printing |
MCC 8999 Professional Services |
MCC 7349 Cleaning, Maintenance, and Janitorial Services |
MCC 5193 Florist Supplies, Nursery Stock and Flowers |
MCC 7829 Motion Picture & Video Tape Production and Distribution |
MCC 1799 Special Trade Contractors |
MCC 5046 Commercial Equipment |
MCC 5085 Industrial Supplies |
MCC 4214 Motor Freight Carriers and Trucking |
MCC 2842 Specialty Cleaning, Polishing and Sanitation Preparations |
MCC 5139 Commercial Footwear |
MCC 7375 Information Retrieval Services |
MCC 5199 Nondurable Goods |
MCC 8734 Testing Laboratories (Non-Medical Testing) |
MCC 7333 Commercial Photography, Art & Graphics |
MCC 6300 Insurance Sales, Underwriting, and Premiums |
MCC 5021 Office and Commercial Furniture |
MCC 2791 Typesetting, Plate Making and Related Services |
MCC 7379 Computer Maintenance, Repair & Services |
MCC 0780 Computer Programming, Data Processing, & Integrated Systems Design Services |