Table of Contents
- Why are credit card fees a problem for B2B?
- How can flat fees replace per-transaction charges?
- How does automation improve payment reconciliation?
- Now is the time to rethink payment strategies
- How does Paystand fit into the financial revolution?
- What's the next step for your business?
Key Takeaways
- Credit card fees have become a growing burden for B2B businesses, with outdated consumer payment rails eating into margins and creating inefficiencies.
- Flat-fee, subscription pricing models like Paystand’s provide predictable, scalable alternatives to per-transaction credit card fees, enabling companies to grow without penalties.
- Automating accounts receivable with tools like dashboards, payment links, and ERP integration improves reconciliation, speeds up cash flow, and reduces manual workload.
- Modern B2B payment solutions prioritize bank-to-bank transfers and digital automation, lowering DSO, reducing processing costs, and enhancing operational visibility and control.
- Paystand leads financial decentralization, replacing outdated systems with blockchain-backed, zero-fee infrastructure and offering a competitive 1.99% flat credit card rate for transitioning businesses.
Credit cards revolutionized payments in their time, replacing the paper-heavy, delay-prone methods businesses once relied on, bringing speed and accessibility to B2C and B2B transactions.
Fast-forward to today’s financial landscape: those same cards are becoming a drain, particularly in B2B payments, where credit card processing fees, convenience fees, and interchange rates add up quickly. In a climate where profitability hinges on efficiency, credit card fees are less of a cost of doing business and more of an unnecessary penalty for staying in the past.
According to the Merchants Payment Coalition, merchants paid over $187.2 billion in credit card fees in 2024, and those numbers are climbing. The impact is even more acute in B2B, where average transaction values are much higher than in consumer settings. Finance teams feel the pinch as they reconcile growing transaction volumes with mounting merchant fees, opaque pricing models, and outdated systems that demand manual effort at every turn.
If you're a finance leader or AR manager, you might ask yourself: Why are we still paying so much just to get paid? The truth is, many companies don't know they have options. Let’s break down the myth of “inevitable” credit card fees and show you the innovative, tech-forward alternatives to credit card fees that forward-thinking companies already use to improve profitability, transparency, and scalability.
Why Are Credit Card Fees a Problem for B2B?
First, B2B businesses weren’t built to run on consumer payment rails. However, over time, credit cards have become entrenched in corporate payments, often because vendors see them as a default. The result? A cycle of dependency that eats into profits:
- You accept cards to offer convenience.
- You pay more in interchange fees, convenience fees, and surcharges.
- Your margins shrink, especially as your transaction volume grows.
Card and payment processors each take a slice through percentage-based fees, markups, and added charges tied to card type or risk level. This fragmented fee structure makes it difficult for finance teams to project costs or optimize for efficiency. While credit card surcharging or passing credit card fees to customers may seem like a solution, they’re far from ideal. They can create friction, damage trust, and complicate reconciliation.
How Can Flat Fees Replace Per-Transaction Charges?
Modern finance leaders want cost predictability, and flat fee pricing delivers it.
One of the biggest breakthroughs in finding alternatives to credit card fees is the rise of Payments-as-a-Service (PaaS). Just like software moved from one-time licenses to SaaS, payments are shifting away from per-transaction fees to fixed monthly subscriptions.
With a flat-rate subscription model, your payment processing costs don’t rise with transaction volume. That means:
- No more recalculating costs every billing cycle
- No more headaches over seasonal transaction spikes
- No more fee markups for “premium” cards or international payments
Paystand uses this model to help businesses lower their cost structure over time. Instead of being penalized for growth, companies are empowered to scale with predictability, transparency, and affordability.
How Does Automation Improve Payment Reconciliation?
Manual collections are a drag on your AR team. Think error-prone spreadsheets, hours lost reconciling credit card payments, and slow cash flow. For many businesses, this outdated process consumes up to 36 hours a month, delaying revenue and draining resources. That’s where collections automation steps in to flip the script.
With Paystand's collections automation, you get a fully digital, streamlined way to manage receivables. A centralized dashboard gives full visibility into payment status, while automated email reminders with embedded payment links boost on-time payments. Real-time bank verification reduces chargebacks and delays, and integrations with ERPs like NetSuite, Sage Intacct, and Microsoft Dynamics 365 keep everything in sync.
Benefits include:
- Faster time-to-cash through automated reminders and digital payments
- Fewer manual tasks, freeing up your team for strategic work
- Real-time insights and payment tracking in one dashboard
- Seamless ERP integration to cut errors and data entry
- Customizable collection plans that adapt to your customer base
What Are the Benefits of Modern B2B Payment Solutions?
By switching to a system that prioritizes alternatives to credit card fees, companies unlock powerful economic and operational benefits:
- Reduce DSO up to 80% with faster payment cycles
- Lower processing costs with bank-to-bank transfers and automation
- Eliminate up to 99% of manual entry with ERP integrations
- Gain real-time payment visibility and reduce disputes
- Decrease reliance on credit card networks and all their related costs
It’s not just about saving money, but about unlocking a new level of control and efficiency in your payment operations.
Now Is the Time to Rethink Payment Strategies
The truth is, clinging to outdated credit card infrastructure is holding businesses back. In an economy where automation, AI, and decentralization are rewriting the rules, legacy payment systems are a liability.
Modern companies are actively seeking out:
- Types of credit card processing fees that can be eliminated.
- Systems that don’t depend on outdated rails like Visa and Mastercard.
- Payment experiences that are fast, intuitive, and built for scale.
That’s where Paystand stands apart. It’s not just another payment processor; it’s a pioneer of a decentralized payment network designed for a world beyond cards.
By leveraging blockchain technology, smart contracts, and an automated cash application, Paystand delivers trust, transparency, and cost savings at every stage of the AR lifecycle. Thanks to its unique B2B incentives, you can nudge payers toward zero-fee methods like ACH or bank transfers, organically reducing card use and processing costs.
How Does Paystand Fit into the Financial Revolution?
Paystand isn’t just offering a workaround to high credit card processing fees; we’re redefining what’s possible for modern businesses. As part of a broader movement toward financial decentralization and digital-first infrastructure, Paystand:
- Eliminates per-transaction fees through a flat monthly rate.
- Provides scalable, enterprise-grade tools for digital B2B payments.
- Integrates seamlessly with your existing ERP.
- Uses blockchain-backed payment assurance for security and auditability.
- Powers smarter, faster, and cheaper finance operations—without the limitations of credit cards.
What Is Paystand's 1.99% Credit Card Fee Offer?
Recognizing that some businesses still rely on credit card transactions, Paystand offers a competitive flat rate of 1.99% for credit card processing. This rate is significantly lower than the industry average, providing a more affordable option for companies that need to accept credit cards.
By offering this flat rate, Paystand ensures that businesses can:
- Predict their credit card processing costs with greater accuracy.
- Avoid hidden fees and surcharges often associated with traditional credit card processing.
- Maintain customer convenience without sacrificing profitability.
This initiative is part of Paystand's commitment to providing transparent, cost-effective payment solutions for B2B companies.
What's the Next Step for Your Business?
The financial revolution isn’t coming because it’s already underway. The companies that thrive in the next decade will be those that abandon outdated infrastructure, embrace innovation, and demand more from their financial tools.
Credit card fees, interchange fees, and outdated pricing models are relics of the past.
Modern businesses deserve better, and Paystand delivers it. With alternatives to credit card fees that are purpose-built for B2B, you can finally align your payment operations with your growth goals, values, and future.
So here’s your invitation: Stop accepting the cost of the status quo. The better way is here, and it starts with Paystand. Check out our fees and incentive strategies for smarter payments and take an active part in the financial revolution.