B2B & Wholesale Payment Guides

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Oct 23, 20268 min read

Thunes and Coinbase Team up: Faster Cross-Border Payouts Ahead?

The Thunes Coinbase partnership links stablecoins to local bank and wallet payouts. Learn what's live, what's planned and what to ask your payout provider.

MannyPay Editorial Team

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Oct 23, 20268 min read

RTP vs. FedNow vs. ACH: Which Instant Payment Rail Fits?

RTP vs. ACH vs. FedNow: compare speed, limits, cost, finality and bank support so you know when instant bank payments are worth it for your business.

MannyPay Editorial Team

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Oct 23, 20269 min read

How to Receive International Payments Without Losing 5% to Fees

Learn how to receive international payments while cutting wire, intermediary, FX and cross-border card fees, with cost comparisons by invoice size.

MannyPay Editorial Team

Woman's ringed hand typing on a laptop showing an online shoe store while holding a credit card in her other hand

Oct 23, 20268 min read

How to Choose a Payment Gateway Provider for Your Business

Compare payment gateway providers on cart compatibility, fees, fraud tools, recurring billing and data portability so you pick a gateway you won't outgrow.

MannyPay Editorial Team

Two businesspeople in suits shake hands over a desk with financial chart printouts as a third person holds a tablet

Oct 23, 20269 min read

ACH vs. Credit Card: Which Should You Push Customers Toward?

ACH vs credit card: compare fees, speed to funds, disputes and failure rates by ticket size, plus how to steer customers to ACH without losing sales.

MannyPay Editorial Team

Gray desktop calculator showing zero on top of a large pile of printed paper sales receipts

Oct 23, 202610 min read

ACH Payments for Small Business: Lower Fees, Slower Money?

Weigh ACH payments for small business: real fee savings, settlement timing, return risk and authorization rules, plus which invoices to move off cards.

MannyPay Editorial Team

Wholesale flower distribution warehouse with rows of carts stacked with crates of colorful cut roses and tulips

Oct 23, 20268 min read

2/10 Net 30 vs. Card Fees: Pricing Early Payment for Wholesale

See what a 2/10 net 30 early payment discount really costs per year, compare it with card fees and ACH, and set wholesale terms that protect margin.

MannyPay Editorial Team

Barista at a coffee shop counter reading a printed receipt beside a POS terminal and receipt printer

Oct 22, 20268 min read

Visa and Mastercard Surcharge Rules: Caps, Signs, Registration

Learn the Visa surcharge rules and Mastercard requirements that apply in every state: notice, caps, signage and receipts, and what to confirm first.

MannyPay Editorial Team

Excited businesswoman pumping her fist in celebration while looking at a laptop in a glass-walled office

Oct 22, 20269 min read

Selling to Government Buyers: Accepting Government Purchase Cards

Accepting government purchase cards? Learn the tax-exempt, Level 3 data and spending limit rules that help you win agency orders without fee surprises.

MannyPay Editorial Team

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Oct 22, 20269 min read

Same Day ACH Volume Jumps 37%: Should You Accept It?

Same Day ACH for businesses is surging. See what Nacha's Q3 2026 data means for your invoice fees, payment speed, return risk and setup.

MannyPay Editorial Team

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Oct 22, 20269 min read

Pay by Bank: How Open Banking Payments Work for Merchants

Learn how pay by bank works for U.S. merchants, from ACH and instant rails to cost savings versus cards, return risk, fraud controls and provider questions.

MannyPay Editorial Team

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Oct 22, 20269 min read

Net 30 Payment Terms Explained: Setting Terms Customers Honor

Learn how net 30 payment terms compare to Net 15, due on receipt and 2/10 Net 30, and when an early payment discount beats waiting or financing.

MannyPay Editorial Team

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Oct 22, 20269 min read

Large Ticket Interchange: Cheaper Rates on Big B2B Card Orders

Learn how large ticket interchange can cut fees on big B2B card orders, what qualifies, and how to make sure your processor passes the savings on.

MannyPay Editorial Team

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Oct 22, 20268 min read

Interchange Downgrades: Why Some Sales Cost More and How to Fix Them

Learn what causes an interchange downgrade, how to spot non-qualified transactions on your statement, and the settings that help you avoid paying more.

MannyPay Editorial Team

Businessman in a dark suit and glasses talking on a smartphone beside large sunlit office windows

Oct 22, 202610 min read

How to Accept Credit Card Payments Over the Phone

Learn how to accept credit card payments over the phone: the right tools, what to collect, AVS and CVV checks, PCI-safe handling, and staff scripts.

MannyPay Editorial Team

Businessman in a gray pinstripe suit holding a tablet with a glowing blue screen in a modern conference room

Oct 22, 20269 min read

ACH vs. Credit Card Payments: Costs, Speed, and Risk

Compare ACH vs credit card payments on fees, settlement speed, returns and chargebacks, and learn when to steer recurring or high-ticket customers to ACH.

MannyPay Editorial Team

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Oct 21, 20268 min read

Wholesale Merchant Accounts: Approval With Big Tickets, Low Count

Getting a wholesale merchant account with few, large orders? Learn what underwriters check, what to submit and how to set limits that match real orders.

MannyPay Editorial Team

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Oct 21, 20268 min read

Visa Direct Adds Stablecoin Funding: What It Means for Seller Payouts

Headlines on Visa Direct stablecoin payouts point to one live feature: USDC prefunding. See what it changes for platforms and what to ask your processor.

MannyPay Editorial Team

Four business people fist bump over a wooden desk with an invoice clipboard, calculator, tablet, laptop and paperwork

Oct 21, 20269 min read

Do Business Cards Have Chargeback Rights? B2B Dispute Rules

Business cards carry real dispute rights. Learn how a B2B chargeback works and which documents help wholesalers win quality and delivery disputes.

MannyPay Editorial Team

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Oct 21, 20269 min read

Business Line of Credit vs. Term Loan: Which Fits Your Need?

Business line of credit vs term loan: match each to real needs like inventory swings, equipment buys and payroll gaps, and learn the costs and fine print.

MannyPay Editorial Team

Workers driving forklifts in an empty warehouse

Oct 20, 20268 min read

Wholesale Distributor Credit Card Processing Fees: What Should You Pay?

Understand wholesale distributor credit card processing fees: why commercial cards cost more, how to avoid downgrades and how to benchmark a fair rate.

MannyPay Editorial Team

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Oct 20, 20268 min read

Visa's New Embedded Payment Charge: October 2026 Fee Changes

The Visa acquirer embedded payment charge starts October 23, 2026. Learn who it affects, other fall network changes and what to check on your statement.

MannyPay Editorial Team

Tall warehouse aisle with shelves stacked high with goods

Oct 20, 20269 min read

Trade Credit Applications: How to Vet Buyers Before Offering Net 30 Terms

Build a trade credit application that vets buyers: what to collect, how to check references, set credit limits, and back net 30 terms with a card on file.

MannyPay Editorial Team

Older businessman in a navy suit checks his wristwatch at a desk with printed documents and pens

Oct 20, 20269 min read

Resale Certificates: Collecting and Verifying Buyer Tax Exemptions

Resale certificate verification for wholesale: collect valid forms, track renewals and set up POS exemptions to help tax-free sales hold up in an audit.

MannyPay Editorial Team

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Oct 20, 20269 min read

NetSuite, Acumatica, or QuickBooks: Adding Card and ACH to Your ERP

Compare ERP payment integration for distributors on NetSuite, Acumatica and QuickBooks: cash application, Level 3 data, tokenized cards and contract terms.

MannyPay Editorial Team

Laptop on a white desk showing a financial dashboard with bar and pie charts, beside an open notebook and silver pen

Oct 20, 20268 min read

Mastercard's Global Money Platform: Stablecoins Reach Your Processor

The Mastercard Global Money Platform brings stablecoin settlement and payouts closer to your processor. Learn what changed and what to ask before opting in.

MannyPay Editorial Team

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Oct 20, 20269 min read

Customer Short-Paid the Invoice? Handling Wholesale Deductions

Customer short paid invoice? Learn how to sort valid, invalid and fee-related wholesale deductions and recover unauthorized short-pays before write-off.

MannyPay Editorial Team

Overhead view of a blonde woman typing on a laptop at a wooden table, wearing a watch, with a soda can nearby

Oct 20, 202610 min read

B2B Customer Payment Portals: Let Buyers Pay Invoices Online

Pick a B2B customer payment portal where wholesale buyers pay invoices online and save cards or ACH to help reduce DSO and manual cash application.

MannyPay Editorial Team

Long warehouse aisle with tall metal shelving stacked with cardboard boxes and pallets under overhead lights

Oct 20, 202610 min read

B2B Credit Card Authorization Forms for Wholesale Accounts

Build a B2B credit card authorization form that holds up in disputes: key fields, signer authority, PCI-safe storage and tokenized card-on-file tools.

MannyPay Editorial Team

Payment card and notebook beside a laptop on a white desk

Oct 19, 20265 min read

What Is a Virtual Terminal? How to Take Card Payments Without Hardware

Learn what a virtual terminal is, how it handles phone, mail and invoice payments from any computer, what keyed sales cost, and how to keep them secure.

MannyPay Editorial Team