Get approved in as little as 24 hours. No setup fees, no hidden costs.
Get Started FreeMerchant Solutions · Accounts
Accepting payments from other businesses is a different job than retail. Tickets are larger, terms are longer, and underwriters scrutinize both. We place B2B merchants with acquiring banks that underwrite their business model, matching each file to the bank most likely to approve it. If your previous processor exited your industry, include your recent statements with your application — underwriting that already knows your vertical asks the right questions once, not in waves.
At a glance
The account
The B2B payment cycle
B2B payments follow a procurement workflow, not a one-click checkout. PayKings moves each transaction cleanly from PO and invoice through approval and net-terms payment to settlement in your account.
Purchase order
Buyer commits
Invoice issued
Terms attached
Buyer approves
AP signs off
Net-terms payment
Paid on schedule
Settled
Funds deposited
Getting set up
It is short and built for B2B and high-risk business models.
Bank statements, processing history, and business licensing are what underwriters want to see first.
We match your business model to the acquiring bank most likely to approve it, rather than sending one application everywhere.
Accept credit cards, ACH, and invoice payments through one merchant account.
Pricing
Pricing starts at interchange plus 0.80%, and every fee is disclosed in the merchant service agreement before you sign.
You should know what processing will cost before you commit to it, and you should not need a second meeting to find out.
What's included
Ways to get paid
Ticket size and payment terms decide the rail. Cards settle faster and suit one-off purchases. ACH carries the lowest per-transaction cost on recurring invoices. Net-terms customers settle by invoice or ACH. One account supports all three, so nothing lives in a separate system.
Commercial and purchasing cards qualify for reduced interchange when transactions carry enhanced data. Our gateways submit Level 2 and Level 3 data automatically, lowering the effective rate on every eligible transaction without manual work from your team.
Enhanced data includes:
ACH is the lowest-cost rail for recurring supplier invoices and large transfers. Our ACH merchant accounts cut per-transaction costs on high-value recurring payments and shorten your collections cycle.
If you originate ACH debits, review what the NACHA 2026 ACH fraud monitoring rules will require of originators so your program is ready before the deadline.
Hosted invoicing, phone and mail orders, and direct integrations settle into the same account:
Browse the high-risk industries we serve to see how we approach specialized underwriting, or explore our full range of merchant solutions.
Next step
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about high-risk payment processing
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
