B2B Payments for Wholesale & Distribution

Distributors sell on terms to business buyers, many paying with purchasing cards or ACH. Roots lowers commercial-card costs with Level 2/3 data, speeds invoice collection, and puts card acceptance in drivers' hands. Square covers counter sales and simpler invoicing.
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Payment solutions for wholesale & distribution

How these solutions work for wholesale & distribution

See what each option adds to the way your business takes and tracks payments.

ACH Payments

For wholesale & distribution: Offer bank-account payments for wholesale orders, trade invoices and delivery charges, with authorization and invoice matching built into the workflow.
  • Write compliant authorization language for business buyers
  • Set up account verification and return monitoring
  • Help you meet Nacha's 2026 fraud-monitoring requirements
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Transfer initiated

$5,395.00 · ref ACH-7731

Level 2/3 Processing

For wholesale & distribution: Include purchase-order references and itemized invoice data for business-card purchases of wholesale orders, trade invoices and delivery charges.
  • Analyze statements to find commercial-card downgrades
  • Configure the gateway or ERP to populate enhanced data accurately
  • Monitor CEDP qualification and fix data-quality errors
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Custom Payment Integration

For wholesale & distribution: Connect the payment flow for wholesale orders, trade invoices and delivery charges with your software and the operational records behind purchase orders, invoice lines and shipment references.
  • Map how payments should post in your system
  • Build, test and host the integration
  • Support and maintain it as systems change
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B2B Payments

For wholesale & distribution: Collect business invoices for wholesale orders, trade invoices and delivery charges, with purchase-order references and account balances kept together.
  • Integrate with your ERP or accounting platform
  • Configure enhanced data for commercial cards
  • Set up reminder cadences and a portal branded for wholesale distributors
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Square Invoices

For wholesale & distribution: Send itemized invoices for wholesale orders, trade invoices and delivery charges and track deposits, due dates and outstanding balances.
  • Design invoice templates and custom fields (terms, policies, account numbers) for wholesale distributors
  • Set up recurring schedules and card-on-file or bank-on-file autopay for business buyers
  • Configure reminders and late-payment workflows
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Mobile Payments

For wholesale & distribution: Collect payments for wholesale orders, trade invoices and delivery charges away from a fixed counter, with transactions recorded against the sale or job.
  • Choose devices for your drivers, reps or volunteers
  • Set up user logins and permissions per device
  • Train field staff
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Square for Retail

For wholesale & distribution: Connect wholesale orders, trade invoices and delivery charges to a retail catalog, stock tracking and customer purchase history.
  • Clean up and import your SKU catalog, variants and barcodes
  • Set up vendors, reorder points and purchase-order workflows
  • Configure house accounts and invoicing for repeat business buyers
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Tap to Pay on Phone

For wholesale & distribution: Take contactless payments for wholesale orders, trade invoices and delivery charges on a supported phone while serving customers on the move.
  • Check device compatibility for your team
  • Enable and provision staff logins
  • Train staff on the payment flow
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Credit Card Surcharging

For wholesale & distribution: Plan credit-card surcharge disclosures for wholesale orders, trade invoices and delivery charges, keeping eligible card payments distinct at checkout.
  • Check your state's surcharge rules and complete card-network registration where required
  • Configure terminals, invoices and online checkout
  • Write the disclosure language for business buyers
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Merchant Account

For wholesale & distribution: Arrange a processing account for wholesale orders, trade invoices and delivery charges, with checkout methods matched to how customers pay.
  • Review your current statements and model interchange-plus costs
  • Prepare the application and underwriting package
  • Configure terminals, gateway and reporting
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E-commerce Payments

For wholesale & distribution: Add online checkout for wholesale orders, trade invoices and delivery charges, with order references carried through payment and fulfillment.
  • Pick the right checkout for your platform
  • Configure fraud rules for your ticket sizes
  • Test end to end before launch
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Multi-Currency Payments

For wholesale & distribution: Collect wholesale orders, trade invoices and delivery charges in the currencies your customers use and reconcile them against the original order or invoice.
  • Identify which currencies your payers use
  • Configure pricing and settlement
  • Explain FX costs clearly
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Square Online (websites)

For wholesale & distribution: Give customers an online storefront for wholesale orders, trade invoices and delivery charges, with ordering and fulfillment choices suited to your business.
  • Plan the site structure and product pages for B2B eCommerce and online wholesale sellers
  • Load products, subscriptions or donation items and set fulfillment rules
  • Connect a custom domain, taxes and receipts
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Square Point of Sale

For wholesale & distribution: Bring wholesale orders, trade invoices and delivery charges into a point-of-sale workflow, with reporting organized around purchase orders, invoice lines and shipment references.
  • Recommend the right Square plan and devices for how route sales and direct store delivery operations actually take payments
  • Build the item library for deliveries, pre-sell orders and COD, with taxes, discounts and categories set up correctly
  • Configure team permissions, receipts and reporting, then train staff and volunteers
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Wholesale & Distribution we set up and support

Wholesale & Distribution payment questions

Start with the workflows your business needs. Options on this page include L2/L3 Processing for Wholesale Distributors, B2B Invoice Payments for Distributors, ACH Payments for Wholesale Distributors. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review invoices, registration payments, recurring collections and reconciliation, then plan the changes your wholesale & distribution business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which wholesale & distribution workflows need to improve so we can scope a practical setup.

Payments for wholesale & distribution, set up right

Talk to our sales team about your setup, or become a partner and bring us your merchants.
Talk to a distributor payments specialistPartner with Roots