Wholesale processing
Simple solutions for wholesale processing
Say goodbye to high fees and clunky systems. Our all-in-one solution gives you faster payments, smarter tools, and unbeatable savings. We make it simple for wholesalers to streamline operations and boost profits.
Wholesale vs. retail payment processing: What sets you apart
Wholesale and retail businesses operate in completely different worlds when it comes to payment processing. Retail is all about speed and convenience for individual customers—think quick card swipes and mobile payments at checkout. Wholesale, on the other hand, focuses on efficiency for large, high-value transactions, often involving multiple payment methods, extended terms, and integrated invoicing. These differences mean wholesalers need specialized solutions that reduce costs, improve cash flow, and simplify complex operations.
Transaction volume and value
Wholesale transactions are typically high-value but lower in volume compared to retail. Instead of hundreds of small purchases, wholesalers process fewer but much larger payments, requiring systems that can handle big-ticket transactions efficiently.
Payment methods used
Retail relies heavily on point-of-sale card swipes and mobile payments. Wholesale, on the other hand, often uses ACH transfers, wire payments, and invoicing for flexibility and cost savings. Recurring billing is also common for managing repeat orders.
Transaction fee structures
A B2B payment gateway offers merchants the opportunity to benefit from lower transaction rates. By collecting additional transaction information, the risk associated with each transaction is minimized, enabling merchants to access Level II and III processing, a process known as “interchange optimization.”
Essential ways to accept payments in wholesale
Wholesale businesses need flexible, secure, and cost-effective ways to handle large transactions. The right payment solutions help wholesalers reduce costs, improve cash flow, and simplify operations. From ACH transfers for large payments to credit card processing for convenience, having a variety of options ensures you can serve customers efficiently and securely.
ACH payments
ACH transfers are a top choice for wholesalers because they’re reliable, secure, and much cheaper than credit card transactions.
Card payments
Many clients still prefer paying by credit card. Wholesale credit card processing ensures convenience and security, with competitive rates and fraud protection.
Recurring billing
For subscription-based or repeat wholesale orders, recurring billing automates payments, saving time and reducing errors.
Not sure which wholesale payments system is right for you?
Tell us about your business—we’ll help you find the best deal for wholesale processing.
Keep more of every sale— with $0 fee wholesale processing
Credit card processing fees can eat into your profits—but with EDGE, you can bring those costs down to zero. This program lets you pass processing fees to customers in a transparent way, so your business keeps 100% of every transaction.
- Keep 100% of sales
Every dollar stays in your business. - Boost profit margins
Increase revenue without increasing prices. - Fully compliant
Meets all card network and regulatory requirements. - Easy setup
Seamless integration with your existing payment system.
Save thousands in fees, and keep payments simple and transparent.
Security you can trust
Protecting sensitive payment data is critical for wholesale businesses. At Sekure, we prioritize security at every step of the payment process. Our solutions are PCI-compliant, meaning they meet the highest industry standards for safeguarding cardholder information.
We adhere to the Payment Card Industry Data Security Standard, ensuring your business meets all requirements for handling cardholder data securely.
All payment data is encrypted during transmission and storage to prevent unauthorized access.
Advanced monitoring systems identify suspicious activity in real time, helping you prevent chargebacks and protect your revenue.
Tell us about your wholesale business
Take this quick survey to discover which POS solution we recommend for you.
Possible solutions for you
Based on what you shared, these can be good options for your business:
What kind of business do you run?
Only one option can be selected.
In addition to processing payments, which features would you want from your point-of-sale?
Select as many options that apply.
When do you need your money?
Only one option can be selected.
How do you want to handle PCI compliance (including paperwork and breach forgiveness)?
Only one option can be selected.
Still unsure? That’s why we’re here! Our Payment Experts will take time to consider all the details for you with your best interests in mind!
How modern wholesale payment processing transform your business
Upgrading to smarter wholesale credit card processing doesn’t just make transactions easier—it connects payments, security, and operations into one streamlined platform. This means faster processing, better cash flow, and more control over your business.
Increase efficiency
Process payments in real time, prevent fraud automatically, and integrate with invoicing and inventory tools.
Improve customer experience
Offer flexible payment options, remote payment tools, and digital receipts for a smooth, transparent experience.
Reduce costs
Cut fees with EDGE, prevent fraud losses, and automate tasks to save time and money.
Scalable growth
Grow confidently with centralized reporting, multi-location support, and tools for recurring billing and customer management.
Accept payments anywhere with a virtual terminal
With a virtual terminal, you can accept payments from any device—no card reader, no hassle. Just log in, enter payment details, and process transactions securely in seconds. Perfect for wholesalers who take orders over the phone, via email, or remotely.
- No hardware required
Eliminate the need for expensive terminals or in-person setups. - Remote payment processing
Accept payments from anywhere — ideal for phone or email orders. - Supports multiple payment types
Handle credit cards and ACH payments seamlessly. - Easy to use
Simple interface for quick training and fast adoption.
Wholesalers love virtual terminals because they enable remote payments, speed up collections for large orders, and cut costs by eliminating hardware.
Give your customers more ways to pay
Don’t limit your sales to one channel. Alongside ACH, expand your payment options to meet customers wherever they are—whether they’re in-store, online, or on the go. Offering multiple payment methods helps you close more sales, improve customer satisfaction, and keep your business running smoothly.
Contactless terminals
Let customers pay in with a quick tap of their card, phone, or wearable. Fast, secure, and convenient, these terminals make checkout smoother for everyone.
Mobile reader
Lightweight and portable, these card readers connect to your phone or tablet via Bluetooth or cord so you can accept payments on the go.
Tap to Pay on iPhone
Turn your iPhone into a point-of-sale device. Accept contactless payments directly on your phone with no extra hardware.
Meet our wholesale processing experts
A wholesale business needs a customized point-of-sale solution adapted to your daily business.
Our Payment Experts can spot your current hidden fees, help with your POS hardware and software selection, and ensure you have a customized point-of-sale solution. We support you with loyalty programs, training, and guest data.
No matter the issue, our Payment Experts are right there to tackle even the most challenging problems.
Christina
Custom Solutions Expert
“Just last week, we helped set up a wholesaler with a brand new hardware and software system that allowed them to track inventory, take orders and manage staff!”
Get support and training for seamless integration
Switching to a better wholesale credit card processing provider doesn’t have to be stressful. We make the transition simple with full support at every step.
Onboarding & training
Get your team up to speed fast with step-by-step onboarding and personalized training sessions. We’ll walk you through setup, customization, and best practices so your staff feels confident using your new system from day one.
Reliable customer support
Our support team is just a call or click away. Whether you need quick troubleshooting, help with new features, or guidance on integrations.
Certified Payment Experts
Work with real people who understand retail and payments inside out. Our certified Payment Experts will help you optimize your POS setup.
Backed by a network of trusted POS partners
We help business owners bridge the gap between your POS provider and payment processor. We partner with the best-in-class vendors so you get more of what you need, and none of what you don’t.
FAQs
What is wholesale processing?
Wholesale processing refers to payment solutions designed specifically for businesses that handle bulk or high-value transactions. Unlike retail processing, which focuses on quick, low-ticket sales, wholesale processing offers tools for managing large payments, recurring billing, and invoicing. These solutions typically include ACH transfers, virtual terminals, and integrated reporting, all while providing lower transaction fees to help wholesalers reduce costs and improve cash flow.
Why should I choose Sekure?
Sekure specializes in payment solutions tailored for wholesalers. We provide cost-effective, secure, and customizable options that simplify operations and maximize savings. Our platform includes advanced features like $0 fee processing with EDGE, virtual terminals for remote payments, and PCI-compliant security measures. Plus, our dedicated support team ensures you have expert guidance every step of the way—so you can focus on growing your business, not managing payment headaches.
How does Sekure ensure small businesses get the best deal?
Sekure is not a payment processor—we partner with multiple top providers across every industry. This allows us to find the best fit for your small business rather than pushing a single solution.
- In most cases, we’re able to negotiate free equipment for our merchants.
- When you consult with our Payment Experts, we guide you through choosing the right hardware and software for your business.
- After setup, we stay by your side, providing ongoing support and follow-ups to ensure everything continues running smoothly.
- With our Rate Sekurity Guarantee®, our experts make sure you’re always getting the best deal on processing while being fully equipped with the right POS system for your business.
Sekure’s approach ensures small businesses save money, get the right technology, and have expert guidance every step of the way.
It's easy
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We can answer all your questions and find a custom solution that fits you perfectly.
The Sekure Merchant's guide
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