6 Best B2B Payment Processing Companies of December 2025
B2B payment solutions should have affordable processing rates, integrate with your accounting software and offer detailed invoicing features.
Learn more Business-to-business (B2B) payment processing companies handle transactions between businesses, and the best options help streamline the process with recurring invoicing, security tools and, in some cases, approval workflow automation. Since B2B payments can be larger than typical business-to-consumer (B2C) transactions, some B2B payment processing companies also extend lower processing rates.
Many credit card processing companies
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Here are our picks for the best B2B payment processors.
| Product | Best for | NerdWallet rating | Payment processing fees | Monthly fee | Learn more |
|---|---|---|---|---|---|
 Stripe | International B2B payments | In-person: 2.7% + $0.05 Online: 2.9% + $0.30 | $0 | on Stripe's website | |
 Helcim | Subscription billing | In-person: 0.4% + $0.08 Online: 0.5% + $0.25 Plus interchange | $0 | on Helcim's website | |
 Stax | High-volume B2B businesses | In-person: 0% + $0.08 Online: 0% + $0.15 Plus interchange | $99 and up. | on Stax's website | |
 Square | Sending contracts | In-person: 2.6% + $0.15 Online: 2.9% + $0.30 | $0 Starts at $0/month for unlimited devices and locations. | on Square's website | |
 PayPal Braintree | Variety of accepted payment types | 2.89% + $0.29 credit & debit cards and digital wallets; 3.49% + 49¢ Venmo (U.S. only). | $0 | ||
 Paystand | B2B-specific payments solution | N/A Quote-based. | N/A Quote-based. |
Stripe
Best for International B2B payments
Payment processing fees
In-person: 2.7% + $0.05
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
on Stripe's 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.
Helcim
Best for Subscription billing
Payment processing fees
In-person: 0.4% + $0.08
Online: 0.5% + $0.25
Online: 0.5% + $0.25
Plus interchange
Monthly fee
$0
on Helcim's 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.
Stax
Best for High-volume B2B businesses
Payment processing fees
In-person: 0% + $0.08
Online: 0% + $0.15
Online: 0% + $0.15
Plus interchange
Monthly fee
$99
and up.
on Stax's website
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.
Best all-in-one payments service
Square
Best for Sending contracts
Payment processing fees
In-person: 2.6% + $0.15
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
Starts at $0/month for unlimited devices and locations.
on Square's website
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.
- Free plan processing rates are more expensive than competitors.
PayPal Braintree
Best for Variety of accepted payment types
Payment processing fees
2.89% + $0.29
credit & debit cards and digital wallets; 3.49% + 49¢ Venmo (U.S. only).
Monthly fee
$0
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.
Paystand
Best for B2B-specific payments solution
Payment processing fees
N/A
Quote-based.
Monthly fee
N/A
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.
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Payment processing fees
In-person: 2.7% + $0.05
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
on Stripe's 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.
Stripe
Best for International B2B payments
Best for International B2B payments
Payment processing fees
In-person: 2.7% + $0.05
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
on Stripe's 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.
Payment processing fees
In-person: 0.4% + $0.08
Online: 0.5% + $0.25
Online: 0.5% + $0.25
Plus interchange
Monthly fee
$0
on Helcim's 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.
Helcim
Best for Subscription billing
Best for Subscription billing
Payment processing fees
In-person: 0.4% + $0.08
Online: 0.5% + $0.25
Online: 0.5% + $0.25
Plus interchange
Monthly fee
$0
on Helcim's 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.
Payment processing fees
In-person: 0% + $0.08
Online: 0% + $0.15
Online: 0% + $0.15
Plus interchange
Monthly fee
$99
and up.
on Stax's website
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.
Stax
Best for High-volume B2B businesses
Best for High-volume B2B businesses
Payment processing fees
In-person: 0% + $0.08
Online: 0% + $0.15
Online: 0% + $0.15
Plus interchange
Monthly fee
$99
and up.
on Stax's website
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.
Best all-in-one payments service
Payment processing fees
In-person: 2.6% + $0.15
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
Starts at $0/month for unlimited devices and locations.
on Square's website
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.
- Free plan processing rates are more expensive than competitors.
Best all-in-one payments service
Square
Best for Sending contracts
Best for Sending contracts
Payment processing fees
In-person: 2.6% + $0.15
Online: 2.9% + $0.30
Online: 2.9% + $0.30
Monthly fee
$0
Starts at $0/month for unlimited devices and locations.
on Square's website
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.
- Free plan processing rates are more expensive than competitors.
Payment processing fees
2.89% + $0.29
credit & debit cards and digital wallets; 3.49% + 49¢ Venmo (U.S. only).
Monthly fee
$0
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.
PayPal Braintree
Best for Variety of accepted payment types
Best for Variety of accepted payment types
Payment processing fees
2.89% + $0.29
credit & debit cards and digital wallets; 3.49% + 49¢ Venmo (U.S. only).
Monthly fee
$0
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.
Payment processing fees
N/A
Quote-based.
Monthly fee
N/A
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.
Paystand
Best for B2B-specific payments solution
Best for B2B-specific payments solution
Payment processing fees
N/A
Quote-based.
Monthly fee
N/A
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.
Jump to
What are B2B payments?
B2B payments refer to transactions between businesses. Since these transaction amounts can be large and the exchange may involve contracts, sales aren’t usually completed as instantaneously as they are for B2C (business-to-consumer) companies. In contrast to B2C payments, which are typically completed in-store at a point-of-sale (POS) register or online through an e-commerce site, B2B payments are often sent via invoice and may be recurring. In general, the business on the purchasing end can choose to pay invoices with a check, ACH transfer or card.
» MORE: Best B2B e-commerce platforms
How much do B2B payments cost?
B2B payment processing costs include transaction fees and may also come with a subscription fee. The two main types of B2B payment processing models are flat-rate and interchange-plus.
Flat-rate payment processing companies charge the same flat rate per transaction, regardless of interchange rates, and companies that offer both B2C and B2B payment processing services may charge the same rates for each kind of transaction. For example, Stripe
On the other hand, interchange-plus and subscription-based payment processors, which pass interchange savings to the merchant, can usually offer a bit more flexibility. Under these pricing models, B2B businesses may be able to access lower interchange fees
How to choose the best B2B payment processor
To pick the best B2B payment processing company for your business, consider the following factors.
Payment processing cost
How much you pay to process B2B payments largely depends on your payment processing company’s pricing model. Flat-rate processing is easy to understand, but can be expensive if you process a high volume of transactions. Alternatively, interchange-plus pricing can be more cost-effective, but less predictable.
For example, online transactions processed through Helcim Square
Additionally, consider which kinds of payments you accept most frequently. If you rarely accept credit card payments
Accepted payment types
Make sure your B2B payment processing company accepts all the payment types your clients typically use. Those could include credit cards, debit cards, ACH transfers, wire transfers, cash and check payments.
Industry specificity
If your business processes a high volume of transactions and mainly works with other businesses, instead of consumers, an industry-specific B2B product, like Paystand, can help you implement invoicing workflows and save on processing fees. If your clients include both businesses and consumers, though, a more generalized payment processor, like Square or Stripe, could be a better option.
Invoicing tools
Since B2B payments are often larger than typical B2C transactions, it’s common to send invoices and offer clients a payment plan. If this is the case for your business, your payment processor should double as an invoicing software
Integrations
At a minimum, your B2B payment solution should integrate with your accounting software
» MORE: Best merchant services