Invoice, pay, post. The customer still takes terms.
Payment links and an AR portal that settle in 48 hours. The fee audit is the first screen — not a deck.
Interchange optimization
The published range. Then your statement.
Every figure below is cited. The calculator uses a conservative 0.65% midpoint of the published 0.45–1.5% range and is labelled illustrative. The audit is the verification.
0.45–1.5%6
Published reduction on qualifying commercial card volume
40–60%2
Industry estimate of B2B volume missing commercial rates
~1.4%7
Published average interchange
Illustrative · $12.5M book, 28% card, 55% commercial
−$12,513 saved
Modelled at a 0.65% midpoint of the published 0.45–1.5% range6. Not a quote. We verify against your statement.
What the leak looks like
An illustrative book. Then we read yours.
Default inputs match a $12.5M distributor with 28% card mix. Change them on the homepage calculator. Nothing here is a quote.
Illustrative leakage
Default book: $12.5M revenue, 28% card, 55% commercial, 2.85% effective rate. Change the inputs on the homepage calculator.
$12,513/yr
Conservative 0.65% midpoint · labelled illustrative · not a quote
Surcharging vs interchange optimization
Published network surcharge caps are often 2.4%4; some markets prohibit surcharging5. Confirm with counsel on a named file. On an $8,000–$47,000 invoice that is a reason to leave the card. We treat surcharge as the wrong default on large tickets.
| Option A — Interchange optimization | Option B — Surcharging | |
|---|---|---|
| Your cost | Falls 0.45–1.5% on qualifying volume6 | Near zero |
| Your customer’s cost | Nothing changes | Up to 2.4% per invoice4 |
| Customer notices | No | Immediately |
| Effect on DSO | Neutral to improved | Lengthens on large accounts |
| Card volume over 12 months | Stable, grows with you | 30–50% migrates to EFT10 (illustrative) |
| Where the rules sit | Optimization does not add a line to the invoice | Published caps are often 2.4%4. Some markets prohibit it5. Confirm with counsel. |
Card volume over 24 months
Index 100 = today · illustrative model, not observed
- Optimization
- Surcharge
| Invoice size | Surcharge at 2.4% | Will they switch to EFT? |
|---|---|---|
| $800 | $19 | Usually not — not worth the effort |
| $8,000 | $192 | Probably |
| $47,000 | $1,128 | Immediately, and permanently |
Arithmetic: invoice × 2.4%. Illustrative tickets, not a sample.
Get paid faster B2B
Get more volume onto cards, not less.
Once the take-rate is in the published range, card is a cash-cycle product: they keep float, you settle in 48 hours3.
Buyer gets
- 30–55 days of issuer float
- Purchasing-card rebate, typically 1–2%
You get
- Paid in 48 hours
- Take-rate cut 0.45–1.5% on qualifying volume
Novaline gets
- A relationship that grows with your volume
- Payment links on every invoice, and a customer portal showing open balances
- Accept commercial cards once the take-rate is in the published 0.45–1.5% reduction range
- Use card acceptance as a credit tool — ship today on card, or apply for terms
QuickBooks integrated payments
It has to post to the invoice, or it isn’t worth doing.
- QuickBooks Online
- QuickBooks Desktop / Enterprise
- Sage
- NetSuite
- Microsoft Dynamics
- Xero
- Acumatica
- SAP Business One
- Epicor
Who this is for
- $2M–$25M distributors with commercial card volume
- Controllers who will send a processing statement
- Files with commercial or purchasing-card volume
Who this is not for
- Consumer-only retailers
- Businesses with no commercial card volume
- Merchants who want to surcharge every B2B invoice
FAQ
What a controller will ask next.
How much can processing costs fall?
Published commercial schedules show 0.45–1.5% lower cost on qualifying commercial card volume. The on-site calculator uses a conservative 0.65% midpoint and is illustrative. We verify against your statement at no cost.
What share of B2B card volume usually misses the commercial rate?
Industry estimates put it at 40–60%. That is a range, not your file. The fee audit measures the actual share on your statement.
How fast do we get paid?
Card settlement is typically 48 hours versus 45-day contracted terms on many distributor invoices. 48 hours is a processing target, not a guarantee.
Should we surcharge commercial invoices?
Published network caps are often 2.4%; some markets prohibit surcharging — confirm with counsel on a named file. On an $8,000–$47,000 invoice that is a reason to move the account to EFT. We treat surcharge as the wrong default on large tickets. The 30–50% volume-migration figure on this page is modelled and labelled illustrative.
Will a lower take-rate make customers stop using cards?
Their cost does not change under interchange optimization. They keep issuer float. You settle in 48 hours at a lower rate. That is why we want more qualifying volume on cards, not less, once the rate is honest.
Which accounting systems do you work with?
QuickBooks Online and Desktop/Enterprise, Sage, NetSuite, Microsoft Dynamics, Xero, Acumatica, SAP Business One, and Epicor.
How long does a fee audit take and what do we get?
Free, three business days, no obligation. You get a written finding against your actual statement whether or not there is a saving. The calculator is an estimate; the audit is the verification.
Is the 0.65% calculator saving a guarantee?
No. It is a conservative midpoint of the published 0.45–1.5% range on qualifying commercial volume. Actual savings depend on card mix and ticket size. We verify against your statement at no cost.
Who is this not for?
Consumer-only retailers, businesses with no commercial card volume, and merchants who want to surcharge every B2B invoice. If a bank already priced the file correctly, we will say so.
Do you mention the method in the finding?
The written finding states what you pay today, what the published commercial range implies, and whether a change is worth doing. Implementation detail stays in the working file, not on this website.