GDpay Educates Business-to-Business Merchants On Credit Card Processing Discount Opportunities With Newly Redesigned Website

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GDpay, a leading merchant service provider, redid their website to better inform business-to-business merchants that their credit card processor might not be securing them applicable discounts, costing them thousands or tens of thousands of dollars a year in increased interchange fees. This problem can be remedied by switching to a processor that uses an interchange plus pricing fee structure, correctly passes along the required transaction data (called Level 2 and Level 3 data), and offers transparent reporting that allows merchants to view individual transactions and their corresponding interchange rates to ensure data is entered correctly.

Many merchants running transactions that qualify for Visa and MasterCard business-to-business interchange rates are missing out on the discounted rates and don’t know it.

GDpay, a leading merchant service provider, is using a newly redesigned website to inform merchants that they could save at least 20% on business-to-business credit card processing fees by correctly passing Level 2 and Level 3 transaction data.

Many merchants running transactions that qualify for Visa and MasterCard business-to-business (b2b) interchange rates are missing out on the discounted rates and don’t know it. GDpay included a b2b credit card processing page on their new website in order to help merchants save money on business-to-business merchant services. This page lists up-to-date Visa and MasterCard business-to-business interchange rates. The site also contains a newly redesigned blog that is updated on a weekly basis with credit card processing-related educational information for merchants.

“It’s unfortunate that so many business owners are losing out on these discounts,” says Kevin Yox, Managing Director of GDpay. “Many merchants I’ve spoken with are unaware that savings are available to them, or they believe they are receiving a lower interchange rate although they are not. The merchant needs to make sure they are passing Level 2 and Level 3 data correctly and receiving the savings from their current provider. Our new site will help raise merchant awareness of this issue.”

There are three main components that must be in place in order for a merchant to receive the lower interchange rates on business-to-business or business-to-government transactions. First, they must be signed up for an interchange plus pricing plan. A tiered pricing plan is structured in such a way that it does not pass on lower interchange rate savings to the merchant. Second, they must be passing Level 2 and Level 3 data correctly for the applicable transactions. (Passing Level 2 and Level 3 data alone is not always enough. For example, if data is passed but has the incorrect value in certain fields, the lower interchange rate will not apply.) Third, the merchant must have access to transparent reporting that allows them to see which transactions ran at which interchange rate. This allows the merchant to identify when something is improperly entered and causing a transaction to downgrade into a higher interchange rate.

GDpay offers a simple solution for business-to-business and business-to-government merchants wanting to receive the Visa and MasterCard discounted rates available to them--switch credit card processors. If merchants leave the credit card processing companies that are overcharging them, switch to interchange plus pricing, and start correctly passing Level 2 and Level 3 data, they will begin receiving the business-to-business interchange rates immediately.

GDpay is a merchant service provider (MSP) that only uses transparent interchange plus pricing and makes sure their merchants receive the lowest credit card processing fees available to them. GDpay saves business-to-business merchants switching from tiered pricing an average of 20% on their monthly fees by setting them up with a point of sale system equipped for Level 2 and Level 3 credit card processing. This system automatically knows when to apply the data, and which data to pass, ensuring merchants’ eligible transactions automatically qualify for the discounted MasterCard and Visa business interchange fees and saving merchants time.

For more information on GDpay, or to receive a free quote to determine how much GDpay could save your company on credit card processing fees, visit the newly redesigned

About GDpay

GDpay is a privately held, self-funded ISO organization that has helped thousands of businesses in the United States find ideal payment solutions. GDpay offers credit card processing solutions ranging from traditional point of sale systems to ecommerce and mobile processing. provides educational tools so merchants will better understand credit card processing pricing structures and make educated choices when choosing a processor.

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Kevin Yox
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