Recover card costs from buyers

A surcharge program lets wholesale distributors add a disclosed fee to credit card payments to offset processing costs, while debit and bank payments remain free of the customer surcharge. A capped, disclosed surcharge on credit cards, where state law allows. Roots configures card-type detection, disclosures and receipts, and checks your state's rules first.
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Payment solutions for wholesale distributors

How each solution supports wholesale distributors

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

Level 2/3 Processing

For wholesale distributors: Include purchase-order references and itemized invoice data for business-card purchases of wholesale orders, trade invoices and delivery charges. When business customers pay wholesale distributors with corporate, purchasing or fleet cards, sending enhanced transaction data (tax, PO number, line items) can qualify for lower interchange. Line-item data from your ERP qualifies eligible commercial-card payments for lower interchange. Roots configures enhanced-data capture in your gateway, invoices or ERP so it happens on every eligible transaction.
  • 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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B2B Payments

For wholesale distributors: Collect business invoices for wholesale orders, trade invoices and delivery charges, with purchase-order references and account balances kept together. B2B buyers pay wholesale distributors on terms, by card, ACH or check. A payment portal tied to your invoices shortens days-sales-outstanding. Buyers pay open invoices online by card or ACH, and payments post back automatically. Roots connects invoice payments to your ERP or accounting so every payment posts to the right invoice.
  • 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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ACH Payments

For wholesale distributors: Offer bank-account payments for wholesale orders, trade invoices and delivery charges, with authorization and invoice matching built into the workflow. ACH lets wholesale distributors collect invoices on terms, will-call orders and COD deliveries directly from a payer's bank account, usually at a lower cost than cards on larger payments. ACH and same-day ACH replace mailed checks. Roots sets up ACH with authorization language and fraud controls that meet Nacha's rules.
  • 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

Credit Card Surcharging

For wholesale distributors: Plan credit-card surcharge disclosures for wholesale orders, trade invoices and delivery charges, keeping eligible card payments distinct at checkout. A surcharge program lets wholesale distributors add a disclosed fee to credit card payments to offset processing costs, while debit and bank payments remain free of the customer surcharge. A capped, disclosed surcharge on credit cards, where state law allows. Roots configures card-type detection, disclosures and receipts, and checks your state's rules first.
  • 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

Custom Payment Integration

For wholesale distributors: 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. Payments are only half the job. Wholesale Distributors also need each payment posted to the right account, invoice or record automatically. Payments integrated with your ERP. Roots scopes, builds and supports the integration.
  • 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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Square Invoices

For wholesale distributors: Send itemized invoices for wholesale orders, trade invoices and delivery charges and track deposits, due dates and outstanding balances. Square Invoices lets wholesale distributors send invoices by email, text or link and get paid by card, digital wallet or ACH bank transfer. Smaller distributors can send Square invoices with ACH and card on file. Roots sets up your templates, recurring schedules and autopay, and connects invoices to your accounting.
  • 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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Square for Retail

For wholesale distributors: Connect wholesale orders, trade invoices and delivery charges to a retail catalog, stock tracking and customer purchase history. Square for Retail is Square's POS built to manage inventory, sales and customer data, which suits wholesale distributors that stock and sell physical goods. Counter sales with house accounts on Square for Retail. Roots imports your catalog, sets up vendors and purchase orders, and configures house accounts so staff can start selling on day one.
  • 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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Credit Card Surcharging questions

Questions distributor finance teams ask about B2B payments.
A surcharge adds a fee to an eligible card payment. A cash discount offers a lower price for cash. Roots reviews the proposed program with your processing partner before setup.
We help plan the required customer notices, checkout display and receipt for the program confirmed for your business.
Bring your processing costs, card mix, customer notices and checkout equipment. Roots uses these details to plan the workflow for wholesale distributors and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

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Talk to a distributor payments specialistAll wholesale distributors solutions