B2B moves money differently: larger tickets, a strong preference for ACH and wire, net terms, purchase-order-driven buying, and card transactions where Level 2 and Level 3 data materially changes the cost. Worthy is built for all of it.
Trusted across B2B commerce
Meridian Supply
Ironworks
Cascade Dist
Vantage
Bedrock
Continental
The instruments, the timing, and the cost structure all differ from consumer commerce, and a consumer-shaped stack leaves money on the table.
Ticket size changes the economics
B2B transactions dwarf retail, which changes what interchange costs, how much a failed payment hurts, and why ACH reliability matters more than checkout conversion.
Terms are the norm, not the exception
Net 15, net 30, and net 60 are what business buyers expect. Invoicing, reminders, and collections have to be structured processes rather than something the finance team improvises in a spreadsheet.
Reliable ACH on large tickets, lower interchange on card volume, and invoicing with terms handled properly.
ACH first-attempt success rate on the platform
0.00%
0.00%
interchange reduction with Level 2 and Level 3 data
0 bps
0 bps
terms with structured invoicing and reminders
Net 0/0/0
Net 0/0/0
settlement to your operating account on eligible routes
T+0
T+0
Lower the cost of card acceptance, collect large tickets reliably, and run invoicing and terms as a real process.
Cost and rails
Lower cost on B2B volume
Level 2 and Level 3 data enrichment on every eligible card transaction reduces interchange meaningfully. ACH with bank validation and NACHA-tuned retry handles the large-ticket volume reliably.
Invoicing
Net terms, done right
Net 15, 30, and 60 handled through structured workflows with automated reminders and a clean handoff to collections. Invoices carry purchase order references, line-item detail, and GL coding.
Reporting
One view across every rail
ACH, wire, and card in a single reporting view with cost per rail made visible. Finance can see what each payment method actually costs instead of estimating from statements.
Interchange
Capture the data that lowers your rate
Level 2 and Level 3 data is enriched automatically from your invoice and purchase order detail, so the qualifying rate applies without your team keying anything additional.
By enriching every eligible card transaction with Level 2 and Level 3 data pulled from invoice and purchase order detail, the distributor reduced interchange on card volume while keeping ACH collection reliable on larger tickets.
interchange reduction on eligible card volume
Products used
Smart Routing
Reconciliation
Costs Overview
Accounting Exports
Patterns we see across B2B models
Representative engagements grouped by the kind of business-to-business operation where each pattern shows up.
Wholesale and distribution
A distributor standardized per-customer pricing and net terms across accounts, with drop-ship reconciliation and multi-warehouse settlement handled in one view.
Reconciliation
Accounting Exports
Professional services
A services firm ran retainer billing, milestone invoicing, and expense pass-through through structured invoicing rather than a patchwork of manual invoices.
Reconciliation
Decline Recovery
Manufacturing
A manufacturer moved purchase-order-driven buying onto milestone billing with deposit-plus-balance flows, and connected settlement into treasury.
Smart Routing
Costs Overview
B2B marketplaces
A multi-vendor marketplace handled per-vendor settlement with per-buyer payment preferences and net terms configured per trading relationship.
Smart Routing
Observability
Connect your ERP and procurement systems
Worthy integrates with major ERPs and procurement platforms so B2B payments flow into the systems your finance team already runs, with GL coding intact and no double entry.
Built to clear your security review
B2B buyers run vendor reviews too, and your customers will ask how their payment data is handled.
The team can review your ACH performance and current B2B interchange cost on the first call. Bring your ERP, a recent processor statement, and a sample invoice.
