B2B Software

Integrating payments with Business to Business (B2B) Software presents a different set of challenges and opportunities separate from Business-to-Consumer Software. Business to Business customers require the highest level of security and compliance. And also require low cost thresholds, similar to those provided for ACH and Check.

HONOR understands the decision-makers for your software may be CTO’s, CFO’s, Controllers or even CEOs. Supporting manufactures, distributors, business services, wholesalers or generally providing goods and services to other businesses takes a deep understanding of payments and a professional approach different from B2C. Businesses are quickly realizing that accepting credit cards for B2B transactions in place of ACH or Check can be cost effective and efficient means of receiving payments. In turn, improving your customers experience.


The Key to B2B Payments:

Level 2 and Level 3 Data Processing

Visa and MasterCard have created programs for Business-to-Business (B2B), Business-to-Government (B2G) and Large Ticket Transactions. These programs were specifically designed to allow businesses servicing other businesses to receive more competitive pricing, different from traditional consumer or retail transactions by providing certain data fields. These programs are generally referred to as Level 2 and Level 3 processing or B2B payments.

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Large ticket transaction support
Decreased interchange expenses
 Accept more category-restricted cards
Accept Corporate cards
Accept Purchasing cards
Accept Government cards

Interchange Optimization

The costs associated with accepting payments can be broken down to three categories:

  1. Card Brand Fees or Assessments
    Visa/MC/Discover/American Express
  2. Acquirer Margin
    Negotiated rates from the processor
  3. Interchange – the largest costs
    Published, wholesale rates from the card brands, paid to the card holders issuing bank

Our Interchange Optimization Tools efficiently manage the largest costs of accepting payments, interchange.

Through HONOR’s proprietary optimization process we work with your customers to  lower interchange reducing the largest payments expense.


Comprehensive Reporting

Understand your payments dashboard at a high level and be able to dive deep into granular data.

  • Real-time Authorization reporting
  • Stock reports included
  • Customized date and reporting fields

Omni Channel Solutions

Hosted Payments Page

  • Tokenization- Secure store and call payment cards.
  • Reoccurring payments- schedule payments on a predetermined basis
  • Surcharge and Convenience Fees- Automatically calculate and add fee passed along to the cardholder
  • ACH-Allow your customers to pay how they want with a direct bank transfer

Point to Point Encrypted (P2PE) Terminals

  • Connect and pass data from any Operating System
  • Support EMV(Chip) transactions
  • Limited PCI scope