Large-Ticket Credit Card Transactions: Are You Overpaying?
Many businesses are unknowingly overpaying on Large-Ticket Credit Card Transactions—especially when those payments involve commercial, fleet, or government cards. What most don’t realize is that when properly configured, these transactions can qualify for significantly lower interchange rates through special B2B and B2G programs.
Why Large-Ticket Credit Card Transactions Matter for B2B and B2G Payments
Most businesses still believe it costs more to accept large dollar amounts on credit cards—especially when those payments involve commercial, fleet, or government cards that are keyed in or processed online.
That’s actually not true when the account is set up properly.
*When configured the right way, the same interchange rate applies whether a commercial card is keyed, swiped, or used online.
* Even more surprising: for businesses accepting large-ticket B2B or B2G transactions, it’s often possible to process those cards at rates lower than consumer credit cards.1
Real Examples of Large-Ticket Interchange Rates
Visa and Mastercard created special interchange categories specifically for large-ticket credit card transactions. These categories reward merchants for passing the right data at the time of sale—and the savings can be substantial.
There are four main interchange categories that impact B2B and B2G large-ticket credit card transactions:
- Level 1
- Level 2
- Level 3
- Large Ticket
The higher the level, the lower the interchange cost.
Example Rates:
- Visa GSA Purchasing Card (over $5,557.14):
1.20% + $39 - Visa Corporate Purchasing Card (over $7,755.56):
1.45% + $35 - Mastercard Large Ticket (over $10,000):
1.45% + $35
These rates are often significantly lower than the standard interchange rates for commercial or corporate cards, which typically range from 2.50% to 2.95%.
Why Most Businesses Overpay on Large-Ticket Credit Card Transactions
The reality is that 75% to 90% of total credit card processing costs come from interchange fees—the non-negotiable portion of every transaction.
Yet most businesses never review the interchange category they’re qualifying for. Even companies on interchange-plus (cost-plus) pricing often miss out on these savings because their large-ticket credit card transactions aren’t configured to clear at the most favorable rates.
The result?
Businesses leave thousands—or even hundreds of thousands—of dollars on the table every year without realizing it.
How to Optimize Large-Ticket Transactions for Lower Costs
If your business accepts commercial, fleet, or government credit card transactions, you may already qualify for these large-ticket interchange categories—but unless your account is set up properly, you won’t see the savings.
✅ Emerging Market Interchange: For utilities and select industries on consumer cards.
✅ Level 2 Data: Requires passing basic tax and customer code data (for business cards).
✅ Level 3 Data: Requires enhanced line-item detail (for purchasing and corporate cards).
✅ Large Ticket: Automatically applies to high-dollar transactions above card brand thresholds.
Even optimizing just one of these categories can create measurable savings.
Let’s Take a Look Together
If you’re accepting large dollar amount credit card transactions and you’re not 100% sure your setup is optimized, I’m happy to take a quick look. Gives us a call at
888 790 3450 or email info @revolution-payments.com
*The savings on even one transaction could be substantial.
*Optimizing your large-ticket payments can improve profitability without changing anything else about how you operate.