Bizy Payment Solutions – Frequently Asked Questions
What does Bizy Payment Solutions specialize in?
Bizy Payment Solutions specializes in Level 2 and Level 3 credit card processing for B2B businesses, including manufacturing, wholesale, transportation, and field service companies. We focus on interchange optimization, data-qualified transactions, and payment infrastructure that aligns with how businesses actually operate.
Who should use Level 2 and Level 3 credit card processing?
Level 2 and Level 3 processing is best suited for B2B companies that accept commercial, corporate, purchasing, or government cards. This commonly includes manufacturers, distributors, contractors, logistics providers, and service-based B2B companies that process business card transactions.
Why does Level 3 processing fail for many businesses?
Level 3 processing often fails due to:
- Missing or invalid data fields
- ERP, POS, or gateway misconfiguration
- Processors that do not fully support Level 3 at the gateway level
- Lack of visibility into transaction downgrades
Bizy identifies these issues through detailed audits and corrects them at the system level—not just the rate level.
How can I tell if my Level 3 processing is actually working?
The only way to confirm Level 3 processing is working is by reviewing interchange-level transaction data, not summary pricing. Bizy performs statement and data audits to verify whether transactions are qualifying correctly or being downgraded due to data or configuration issues.
What makes Bizy Payment Solutions different from other payment processors?
Bizy Payment Solutions takes a diagnostic-first approach rather than selling teaser rates. We audit systems before making recommendations, specialize in B2B commercial card environments, work across multiple processors and gateways, and focus on sustainable interchange optimization.
Most processors sell rates. Bizy fixes systems.
Does Bizy work with ERP-based businesses?
Yes. Bizy frequently works with ERP-based businesses and ensures required Level 2 and Level 3 data fields are passed correctly from the ERP through the gateway and processor. This is one of the most common failure points for B2B merchants.
Is Level 2 processing being phased out?
Commercial card programs continue to evolve, making proper Level 3 implementation increasingly important for B2B merchants. Businesses relying solely on Level 2 processing should review their setup to ensure long-term interchange efficiency and alignment with evolving network requirements.
Does Bizy support vertical-specific payment solutions?
Yes. Bizy designs payment solutions tailored to specific industries, including:
- Manufacturing and wholesale
- Transportation and logistics
- Field service companies
- Hospitality
For hospitality, Bizy focuses on optimizing payment processing, gateways, terminals, and front-desk workflows, rather than Level 2 or Level 3 processing.
Can Bizy reduce interchange without changing processors?
In many cases, yes. Interchange reduction often comes from improving data accuracy, transaction structure, and system configuration, not from switching processors. Bizy identifies whether optimization is possible within your existing setup before recommending any changes.
What is included in a Bizy Level 2 or Level 3 audit?
A Bizy audit typically includes:
- Interchange qualification review
- Identification of downgrades and data failures
- ERP, POS, or gateway validation
- Card mix analysis
- Clear, actionable recommendations
There is no obligation to switch processors.
Does Bizy offer working capital or commercial lending solutions?
Yes. Bizy works with one of the nation’s largest commercial loan providers, Newtek, to help businesses access working capital, SBA loans, and commercial financing aligned with their operational and cash-flow needs.
Capital is positioned strategically, not as a default upsell. Bizy evaluates whether financing makes sense based on business performance, growth objectives, and overall financial health.
Who is Bizy Payment Solutions best suited for?
Bizy is best suited for:
- B2B businesses processing commercial or corporate cards
- Companies with ERP or complex billing environments
- Businesses evaluating working capital alongside payments
- Operators seeking transparency and long-term optimization
- Companies that want a payments and financial partner—not a sales pitch
How do I get started with Bizy Payment Solutions?
Businesses can start with a free credit card statement and Level 2 or Level 3 audit. This diagnostic review confirms whether optimization opportunities exist and whether additional tools—such as gateway improvements or working capital—should be considered.