6 Best B2B Payment Processing Companies of April 2026
B2B payment solutions should have affordable processing rates, integrate with your accounting software and offer detailed invoicing features.
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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 facilitate both B2B and B2C transactions, while others specialize in B2B payment processing. If your business sells goods or services to both consumers and other businesses, using the same processor for both types of transactions can help simplify the process.
All of our picks for the best B2B payment processing companies are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the right solution for your B2B company. We independently evaluate and rate payment processing companies, scoring them on capabilities, cost, integrations and other features. View our full methodology.
Here are our picks for the best B2B payment processors.
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
Learn more 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 may take up to 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.
Cons
- Not ideal for businesses with low-volume sales.
- Interchange-plus costs can be difficult to predict.
- Accounting integrations may cost extra.
- Charges $10 PCI compliance fee each month.
Square
Best for Sending contracts
Payment processing fees
In-person: 2.6% + $0.15
Online: 3.3% + $0.30
Online: 3.3% + $0.30
Monthly fee
$0
for Free plan; $49 Plus plan; $149 Premium plan.
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 Enterprise Payments
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.
- No phone support.
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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Default 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.
With Stripe Terminal, you can integrate in-person payments into your online payment setup. Transparent pricing and customizable features make it a good choice for online-first businesses looking to extend to in-person sales.
However, many features — including connecting hardware to software — require coding experience or “no-code” integrations.
Read full review
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.
With Stripe Terminal, you can integrate in-person payments into your online payment setup. Transparent pricing and customizable features make it a good choice for online-first businesses looking to extend to in-person sales.
However, many features — including connecting hardware to software — require coding experience or “no-code” integrations.
Read full review
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 may take up to two business days; same-day deposit option is not available.
- Interchange-plus costs can be difficult to predict.
Unlike flat-rate payment processors that charge the same transaction fee across different types of credit cards, Helcim uses an interchange-plus pricing model. This means your business saves when a customer uses a card with low interchange rates. Helcim also offers volume discounts if you process more than $50,000 monthly, which is a plus for high-volume businesses. And if you need hardware for taking payments in-person, the company sells its own smart terminal and mobile card reader, too.
Read full review
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 may take up to two business days; same-day deposit option is not available.
- Interchange-plus costs can be difficult to predict.
Unlike flat-rate payment processors that charge the same transaction fee across different types of credit cards, Helcim uses an interchange-plus pricing model. This means your business saves when a customer uses a card with low interchange rates. Helcim also offers volume discounts if you process more than $50,000 monthly, which is a plus for high-volume businesses. And if you need hardware for taking payments in-person, the company sells its own smart terminal and mobile card reader, too.
Read full review
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 may take up to 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.
Cons
- Not ideal for businesses with low-volume sales.
- Interchange-plus costs can be difficult to predict.
- Accounting integrations may cost extra.
- Charges $10 PCI compliance fee each month.
Stax’s membership-based pricing model is meant for small businesses processing at least $5,000 in credit card transactions monthly. In addition to a monthly subscription cost, it charges a small margin on top of interchange rates. Optional add-ons include custom branding, next-day funding, shopping cart integrations and ACH processing.
Read full review
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.
Cons
- Not ideal for businesses with low-volume sales.
- Interchange-plus costs can be difficult to predict.
- Accounting integrations may cost extra.
- Charges $10 PCI compliance fee each month.
Stax’s membership-based pricing model is meant for small businesses processing at least $5,000 in credit card transactions monthly. In addition to a monthly subscription cost, it charges a small margin on top of interchange rates. Optional add-ons include custom branding, next-day funding, shopping cart integrations and ACH processing.
Read full review
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.
Cons
- Not ideal for businesses with low-volume sales.
- Interchange-plus costs can be difficult to predict.
- Accounting integrations may cost extra.
- Charges $10 PCI compliance fee each month.
Square
Best for Sending contracts
Payment processing fees
In-person: 2.6% + $0.15
Online: 3.3% + $0.30
Online: 3.3% + $0.30
Monthly fee
$0
for Free plan; $49 Plus plan; $149 Premium plan.
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.
Square’s simple flat-rate processing, free POS software, variety of hardware options and accounting integrations make it an excellent choice for many businesses. It’s an especially good fit for brick-and-mortar business owners who value convenience and want an all-in-one system. It can accommodate retail shops, service-based businesses, restaurants and cafes.
The Free plan’s processing rates are on the high end, but we think the robust feature set helps make up for that. Additionally, there are no additional fees for PCI compliance, account termination or chargebacks.
Read full review
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.
Square’s simple flat-rate processing, free POS software, variety of hardware options and accounting integrations make it an excellent choice for many businesses. It’s an especially good fit for brick-and-mortar business owners who value convenience and want an all-in-one system. It can accommodate retail shops, service-based businesses, restaurants and cafes.
The Free plan’s processing rates are on the high end, but we think the robust feature set helps make up for that. Additionally, there are no additional fees for PCI compliance, account termination or chargebacks.
Read full review
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 Enterprise Payments
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.
- No phone support.
PayPal Enterprise Payments provides payment processing solutions and merchant accounts for e-commerce businesses that sell products or services online and/or via mobile app. Though they can be time-consuming to apply for, individual merchant accounts can be beneficial for high-volume businesses or those that need specialized assistance. Payment service providers, like PayPal, group multiple businesses’ funds in the same merchant account as opposed to individual ones.
Read full review
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.
- No phone support.
PayPal Enterprise Payments provides payment processing solutions and merchant accounts for e-commerce businesses that sell products or services online and/or via mobile app. Though they can be time-consuming to apply for, individual merchant accounts can be beneficial for high-volume businesses or those that need specialized assistance. Payment service providers, like PayPal, group multiple businesses’ funds in the same merchant account as opposed to individual ones.
Read full review
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.
- No phone support.
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.
Paystand is a subscription-based B2B payments platform that lets businesses accept fee-free payments via its bank network. It also allows you to accept credit card payments and ACH transfers for a fee, and has a billing and receivables module for scheduling recurring payments.
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 is a subscription-based B2B payments platform that lets businesses accept fee-free payments via its bank network. It also allows you to accept credit card payments and ACH transfers for a fee, and has a billing and receivables module for scheduling recurring payments.
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?
How much do B2B payments cost?
How to choose the best B2B payment processor
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 charges 2.9% plus 30 cents per online transaction, regardless of the card’s interchange rate and which type of business you run.
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 if their transactions meet stricter level 2 or 3 credit card processing requirements — e.g., B2B transactions made using a commercial credit card that collect more customer information than level 1 processing.
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, an interchange-plus processor, cost 2.49% plus 25 cents on average, while online transactions processed through Square, a flat-rate processor, cost 2.9% plus 30 cents each. Subscription-based models are another option that charge lower markups in exchange for a monthly fee, making them a good solution for higher-volume businesses.
Additionally, consider which kinds of payments you accept most frequently. If you rarely accept credit card payments, maybe ACH processing rates are what really matters. And if you require subscription billing or recurring invoicing tools, check to see whether they’re built-in or cost extra.
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 provider. Recurring invoicing and subscription tools can help speed up the process and ensure you’re paid on time.
Integrations
At a minimum, your B2B payment solution should integrate with your accounting software so you don’t have to manually record every invoice or transaction. By syncing automatically, your accounting software can use payment data to generate reports and provide accurate, up-to-date business insights. If you use a POS system for in-person transactions or an e-commerce platform for online transactions, make sure your B2B payment processor also integrates with those. Subscribing to two separate payment processing solutions for online and in-person transactions can cause unnecessary complications.
» MORE: Best merchant services
