Merchant Accounts

Government Contractor Profit Margins: The Hidden Costs Eating Into Your Profits

sjadmin1 — Wed, 14 Oct 2026 21:29:59 +0000

Government contractor profit margins are under increasing pressure. Between rising labor costs, growing compliance requirements, competitive contract pricing, and delayed payments, government contractors are being asked to do more with less. While winning additional contracts can increase revenue, it doesn’t necessarily translate into higher profits.

With margins shrinking, it’s more important than ever for government contractors to identify opportunities to improve their bottom line without having to increase sales.

One of those opportunities is often overlooked, even by experienced financial teams: the hidden interchange costs associated with accepting government purchasing cards.

Why Government Contractor Profit Margins Are Shrinking

Government contractors face financial challenges that extend well beyond winning new business.

Rising labor expenses, administrative overhead, compliance requirements, and competitive bidding pressures can all reduce profitability. Contractors operating under fixed-price agreements may face additional challenges when actual costs exceed what was originally anticipated.

Even companies experiencing significant revenue growth can find themselves working harder while earning less.

As a result, financial teams are increasingly focused on controlling expenses, improving operational efficiency, and identifying opportunities to protect profit margins.

However, one expense that often receives surprisingly little attention is the cost of accepting credit cards.

For government contractors accepting purchasing cards, overlooking this expense can mean leaving substantial savings on the table.

The Hidden Interchange Costs Most Government Contractors Overlook

When businesses evaluate their credit card processing costs, most of the attention naturally goes toward the processor’s rate.

That makes sense. It’s the part of the cost they’re familiar with, and it’s typically what payment processors focus on when competing for business.

But here’s what many government contractors don’t realize.

Up to 90% of the fees businesses pay to accept credit cards don’t even come from their processor. They come from interchange.

Interchange represents the underlying cost associated with accepting different types of credit cards. These rates vary depending on the card type, transaction details, and how the transaction qualifies.

While businesses can negotiate their processor’s markup, interchange rates are established through the card networks and are subject to specific qualification requirements.

The challenge is that while companies regularly review and negotiate their processor’s rates, the interchange portion is rarely examined or checked for accuracy.

And that’s where some of the largest opportunities to reduce payment acceptance costs can be found.

Special Interchange Programs Can Reduce Costs by 30% to 40%

For more than 20 years, special interchange programs have existed to help reduce the cost of accepting government purchasing cards and other eligible commercial cards.

When transactions qualify for these programs, interchange costs can often be reduced by 30% to 40%.

However, simply accepting government purchasing cards doesn’t automatically mean a contractor is receiving those benefits.

An estimated three out of five government contractors are not properly configured to take full advantage of these programs.

Some aren’t submitting the required Level 3 transaction data. Others may already be submitting Level 3 data but still aren’t receiving the available interchange incentives because of how their transactions are configured or submitted.

This distinction is important.

A contractor can have Level 3 processing enabled and still experience unnecessary interchange downgrades if the required information isn’t being transmitted correctly or the transactions aren’t meeting the applicable qualification requirements.

As a result, contractors may be paying significantly more than necessary on transactions that could otherwise qualify for reduced interchange rates.

How Visa’s CEDP Changes Affect Government Contractors

Recent changes by Visa have made proper interchange qualification even more important.

Visa eliminated its previous Level 2 interchange program for business cards and introduced new enhanced-data requirements through the Commercial Enhanced Data Program (CEDP).

Under the newer CEDP framework, simply submitting Level 3 data doesn’t automatically guarantee that a transaction qualifies for the lowest available interchange rates.

Eligible transactions must meet the applicable enhanced-data requirements, including Visa’s verification standards, to receive the appropriate Product 3 interchange incentives.

These changes can have a significant impact on government contractors accepting business, purchasing, and commercial cards.

Even contractors that previously had Level 3 processing in place may need to reevaluate how their transactions are being submitted.

A payment system configured several years ago may no longer be optimized for today’s interchange requirements.

And when transactions don’t qualify correctly, the additional costs can add up quickly.

How Interchange Fees Impact Government Contractor Profit Margins

Consider a government contractor accepting $500,000 per month in government purchasing card payments.

If those transactions are qualifying at interchange rates just 1 percentage point higher than necessary, that represents an additional $5,000 per month in payment acceptance costs.

That’s $60,000 annually coming directly out of the company’s bottom line.

If the difference is 1.5 percentage points, the additional cost increases to $90,000 annually.

These are illustrative examples of potential qualification differences on eligible card transactions, not guaranteed savings.

For contractors already operating on tight margins, recovering even a portion of those unnecessary costs can make a meaningful difference.

And unlike increasing revenue, reducing unnecessary interchange costs doesn’t require winning another contract, hiring additional employees, or increasing prices.

The opportunity may already exist within the transactions being processed today.

Lowering Interchange Costs Without Changing Processor Rates

One of the biggest misconceptions about credit card processing is that reducing costs requires negotiating a lower rate with the processor or switching processing companies.

That’s not necessarily the case.

Two businesses can have identical processor pricing yet pay significantly different amounts to accept the same types of cards, based solely on how their transactions qualify at the interchange level.

Revolution Payments, a veteran-owned payment processing company with more than 30 years of industry experience, specializes in identifying these types of interchange qualification issues.

In one client example, correcting how transactions qualified reduced payment acceptance costs by more than $50,000 per month.

What’s particularly interesting is that the processor’s rate wasn’t lowered. The savings came from correcting and optimizing how transactions were qualifying at the interchange level.

Other client examples have produced even greater savings.

While results vary based on transaction volume, card types, and existing qualification levels, these examples demonstrate why reviewing interchange can be considerably more valuable than focusing exclusively on the processor’s markup.

How Automation Helps Contractors Qualify for Lower Interchange Rates

Historically, qualifying transactions for reduced interchange rates required businesses to capture and submit additional transaction information, including detailed Level 3 data.

This often involved product descriptions, quantities, tax information, and other transaction-level details.

Today, much of that process can be automated.

With the proper technology and configuration, eligible transactions can be submitted with the enhanced data required by applicable interchange programs without requiring staff to manually manage the process.

Depending on the transaction and card type, these opportunities may include:

Government purchasing card interchange optimization
Automated Level 3 transaction data
Visa Commercial Enhanced Data Program (CEDP) qualification
Eligible large-ticket interchange programs
Identification and correction of unnecessary interchange downgrades
Automated transaction qualification and reporting

The goal is straightforward: ensure eligible transactions are qualifying at the lowest applicable interchange rates without adding unnecessary administrative work.

For government contractors already dealing with rising overhead and compliance requirements, automation can help reduce payment acceptance costs without creating additional responsibilities for accounting or administrative teams.

Improving Government Contractor Profit Margins Without Increasing Sales

Government contractors are facing increasing pressure to control expenses while remaining competitive.

Rising operating costs, tighter contract pricing, compliance obligations, and unpredictable payment cycles can all make it more difficult to maintain healthy profit margins.

While many of these challenges are outside a contractor’s immediate control, unnecessary interchange costs may be something they can address.

And unlike increasing sales, correcting payment qualification issues doesn’t require winning additional contracts or expanding operations.

For contractors accepting government purchasing cards, the question is simple:

Are those transactions actually qualifying for the lowest interchange rates they’re eligible to receive?

If the interchange portion of processing costs hasn’t been reviewed recently, there may be an opportunity to improve profitability without changing the processor’s rate.

Request a No-Obligation Interchange Audit

Revolution Payments helps government contractors and B2B suppliers identify unnecessary interchange costs through automated Level 3 processing, Visa CEDP optimization, and other interchange qualification programs.

A no-obligation interchange audit can help determine whether transactions are qualifying correctly, identify unnecessary downgrades, and uncover opportunities to reduce payment acceptance costs.

For contractors looking to protect profit margins without increasing sales, reviewing interchange may be one of the most overlooked opportunities available.

Contact Revolution Payments to request a no-obligation interchange audit.

Government Procurement Card: What It Is and How Vendors Can Lower Processing Costs

sjadmin1 — Sun, 27 Sep 2026 18:14:25 +0000

A government procurement card, also commonly referred to in the United States as a government purchase card, purchasing card, or P-card, allows government agencies to purchase goods and services directly from vendors using a commercial credit card. For merchants and government contractors accepting these cards, there is an important opportunity that is often overlooked: Visa and Mastercard have special interchange programs that can significantly lower the cost of accepting eligible government and commercial card transactions.

In fact, the U.S. General Services Administration (GSA) has stated that providing Level 3 transaction data can reduce a supplier’s credit card processing fees often by 30% to 40%.

The problem is that simply accepting a government procurement card doesn’t automatically mean your transactions are receiving these lower interchange rates.

What Is a Government Procurement Card?

A government procurement card is a commercial payment card used by government agencies and authorized employees to purchase goods and services.

In the U.S. federal government, these cards are more commonly referred to as Government Purchase Cards (GPCs). Procurement cards, purchasing cards and P-cards are also commonly used terms throughout commercial purchasing.

Rather than requiring a traditional invoice and check for every purchase, authorized cardholders can use these cards to purchase directly from approved vendors.

For vendors, one advantage is faster payment. GSA has explained that electronic card payments can reduce payment time from approximately 30–45 days for an invoice to 2–3 days for electronic payment.

But faster funding isn’t the only potential advantage.

Government Procurement Cards Can Qualify for Lower Interchange Rates

Many merchants don’t realize that not every credit card transaction carries the same underlying interchange cost.

Visa and Mastercard have established special commercial interchange programs that can provide lower interchange rates when eligible procurement, purchasing and government card transactions meet the necessary qualification requirements.

GSA specifically explains that Visa and Mastercard created special rates to support Purchase Card programs and reduce merchant interchange costs when Level 3 line-item detail is transmitted with the card payment. According to GSA, providing Level 3 data may reduce credit card processing fees often by 30% to 40%.

This is important because the processor’s markup is only one part of what a merchant pays to accept a government procurement card.

How the transaction qualifies at the interchange level can have a much larger impact on the final cost.

What Is Level 3 Data?

Level 3 data is essentially an electronic invoice that travels with the credit card transaction.

Instead of transmitting only basic payment information, Level 3 processing provides additional information about what was purchased.

According to GSA, Level 3 line-item data can include:

Product description
Quantity
Unit of measure
Price
Discounts
Sales tax information
Merchant information
Cardholder information

GSA describes Level 3 transactional data as identifying what is being purchased, how the sale takes place, who is involved in the transaction and when it occurs, and combining that information with the basic payment data transmitted to the issuer.

Providing this additional information gives the government and card issuer greater visibility into the transaction while also allowing eligible transactions to qualify for special commercial interchange programs.

Why Level 3 Data Can Lower Government Procurement Card Processing Costs

This is where government procurement card processing becomes very different from ordinary consumer credit card processing.

The interchange cost of a commercial card can vary significantly depending on how the transaction qualifies.

A government contractor could have an extremely competitive processing rate from its merchant processor and still be paying substantially more than necessary if its transactions are qualifying incorrectly or unnecessarily downgrading.

That’s why simply asking:

“What processing rate am I paying?”

doesn’t necessarily tell you whether your government procurement card processing is optimized.

The more important question is:

“How are my transactions actually qualifying at the interchange level?”

Visa Has Changed How Commercial Card Transactions Qualify

Visa has made significant changes to the way eligible commercial card transactions qualify.

Traditional Visa Level 3 qualification has transitioned to Visa’s Commercial Enhanced Data Program (CEDP) and Product 3 qualification for eligible commercial transactions.

Under Visa’s current published U.S. interchange schedule, eligible Corporate and Purchasing Card transactions that meet Commercial Product 3 requirements can qualify at 1.75% + $0.10.

By comparison, Commercial Card Not Present transactions can qualify at 2.70% + $0.10, while Commercial Non-Qualified transactions can reach 2.95% + $0.10.

That difference occurs at the interchange level before the processor’s markup is added.

So two government contractors could negotiate exactly the same processing rate with their processor and still have very different overall costs depending on how their government and commercial card transactions are qualifying.

GSA Large Ticket Rates for Government Procurement Cards

For government contractors accepting larger transactions, the potential difference can become even more significant.

Visa maintains a special GSA Large Ticket interchange category for eligible government Purchasing Card transactions.

The current published Visa GSA Large Ticket interchange rate is:

1.20% + $39

Visa’s regular Commercial Product Large Ticket rate is:

1.30% + $35

These programs can be particularly important for government contractors accepting larger purchasing-card payments because the percentage component of interchange is substantially lower than many standard commercial card categories.

However, accepting a large government procurement card transaction does not by itself guarantee that the transaction will receive a Large Ticket interchange rate. The transaction must meet the applicable qualification requirements.

The Problem: Many Government Vendors Aren’t Properly Set Up

One of the biggest misconceptions is that having a processor or gateway that “supports Level 3” automatically means government procurement card transactions are receiving the lowest interchange rates available.

That’s not necessarily the case.

Transactions can still qualify incorrectly or unnecessarily downgrade because of issues involving transaction data, processing configuration, card type, qualification requirements or how information is submitted with the transaction.

There can also be qualification issues outside of Level 3.

That’s why government contractors should look at the actual interchange qualification on their processing statements, rather than simply asking whether their processor supports Level 3.

Government Procurement Card Processing Can Be Automated

Years ago, Level 3 processing could require employees to manually enter additional transaction information every time they accepted a purchasing card.

Today, much of that process can be automated.

We’ve simplified this process with technology that runs behind the scenes to automatically optimize how transactions are qualifying. This includes optimizing commercial and B2B transactions, identifying unnecessary downgrades, and correcting other qualification issues that increase costs.

The goal is simple: make sure your transactions are qualifying at the lowest interchange rates, without your staff having to manage the process or figure out what’s a normal interchange cost and what’s an unnecessary downgrade.

This can be especially valuable for government contractors processing a significant volume of procurement cards, purchasing cards and other commercial cards.

GSA SmartPay and Government Purchase Cards

The federal government’s GSA SmartPay program is one of the world’s largest commercial payment programs and includes cards used by federal agencies for purchasing goods and services.

GSA has specifically promoted Level 3 transaction data because of the additional detail it provides with government purchases.

According to GSA, Level 3 data creates additional transparency and accountability by transmitting detailed information about the goods or services being purchased.

For vendors, GSA has also highlighted the financial benefit: special Visa and Mastercard Purchase Card interchange rates can reduce merchant transaction costs when the appropriate Level 3 information is transmitted.

Does Your Processor Support Government Procurement Card Optimization?

This is an important distinction.

A processor may be capable of accepting government procurement cards without necessarily optimizing how those transactions qualify.

Likewise, a gateway may technically support enhanced data without automatically supplying or managing all of the information required for the best available interchange qualification.

Government contractors should therefore look beyond whether their processor simply accepts purchasing cards and ask:

Are my government procurement card transactions actually qualifying at the lowest interchange rates available?

How Much Could a Government Contractor Save?

There isn’t one savings percentage that applies to every merchant.

Savings depend on factors including:

Current interchange qualification
Types of cards accepted
Average transaction size
Government versus commercial card volume
Existing processing technology
Whether transactions are unnecessarily downgrading
Eligibility for Product 3 or Large Ticket programs

However, GSA itself has stated that suppliers providing Level 3 data may reduce credit card processing fees often by 30% to 40%.

For companies processing significant government purchasing-card volume, even a relatively small improvement in interchange qualification can represent substantial annual savings.

Are Your Government Procurement Card Transactions Qualifying Correctly?

If your company accepts government procurement cards, Government Purchase Cards, purchasing cards, P-cards or other commercial credit cards, don’t assume you’re receiving the lowest available interchange rates simply because your processor says it supports Level 3.

The only way to know is to look at how the transactions are actually qualifying.

Revolution Payments can perform a no-obligation interchange audit to review your current processing, identify unnecessary downgrades and determine whether your government and commercial card transactions are receiving the interchange rates available to them.

If everything is already optimized, we’ll tell you that too. Questions? Give us a call at 888 790 3450 or email info@ revolution-payments.com

SEWP Contract Holders — Are You Accepting Government Purchase Cards Correctly?

sjadmin1 — Tue, 08 Sep 2026 16:39:43 +0000

For businesses that have recently been awarded a SEWP contract — NASA’s Solutions for Enterprise-Wide Procurement vehicle — the next step is getting set up to accept payment from federal purchasing agents. Most of those payments come by government purchase card. And while accepting a government purchase card looks straightforward on the surface, how that transaction is processed determines whether the SEWP contract holder is paying significantly more in interchange costs than necessary.

Winning a SEWP contract opens the door to federal business across every government agency. What most new SEWP contract holders are never told is that accepting the payment correctly — and at the lowest possible interchange cost — requires a specific merchant account setup that most processors don’t offer.

What Is a SEWP Contract and How Do Agencies Pay?

The SEWP contract is a Government-Wide Acquisition Contract administered by NASA that gives all federal agencies access to a pre-competed catalog of IT products, services, hardware, software, and support solutions. SEWP contract holders can receive orders from any federal agency — making it one of the most versatile contract vehicles available to IT vendors and technology companies.

Government contractors can receive federal payments in several ways, including ACH, wire transfer, and government purchase card.

Federal purchasing agents typically pay SEWP contract holders using government purchase cards — GSA SmartPay cards operating on the Visa and Mastercard networks. These cards pay quickly, typically settling in two to three business days, which is a significant cash flow advantage over traditional invoicing that can take 30 days or more.

The SEWP Program Fee

SEWP contract holders are required to pay a 0.34% program fee on all orders. This fee is built into quoted prices and paid to the NASA SEWP Program Management Office. It is separate from — and in addition to — the interchange cost of accepting the government purchase card payment itself. Understanding both costs is important for SEWP contract holders managing their margins on federal orders.

SEWP Contract Payment Processing — What Most Vendors Don’t Know

When a government purchasing agent pays a SEWP contract holder by purchase card, the transaction carries an interchange cost that the vendor absorbs. For most SEWP contract holders — particularly those new to government contracting — this cost is treated as fixed. It is not.

Visa and Mastercard created specific interchange programs for government purchase card transactions specifically to encourage vendors to submit detailed line-item data with each payment. When that data is submitted correctly, the interchange cost on eligible transactions can be reduced by 30 to 40 percent compared to a standard submission. When it is not submitted correctly — which is the case for the majority of government vendors — those savings are simply never realized.

For a SEWP contract holder regularly processing IT equipment, software licenses, or services paid by government purchase card, the difference between a correctly configured merchant account and a standard one can represent thousands of dollars per year in unnecessary interchange costs.

“There are extensive resources to help vendors win a SEWP contract. Almost nothing exists to help them understand what it costs to accept the payment — or how to reduce that cost once orders start coming in.”

Level 3 Processing for SEWP Contract Holders

Level 3 processing — now operating under Visa’s Commercial Enhanced Data Program (CEDP), also referred to as Product 3 — refers to the submission of detailed line-item transaction data with each eligible government purchase card payment. This data mirrors what would appear on an itemized invoice: purchase order number, item description, quantity, unit of measure, unit cost, tax amount, freight amount, and ship-to and ship-from postal codes.

When this data is submitted correctly on each eligible transaction, the transaction qualifies for a lower interchange category. The cost reduction can be substantial — and it applies to every eligible government purchase card payment processed under the SEWP contract.

Current Government Purchase Card Interchange Rates — August 2026

Rates are subject to change. SEWP contract holders should verify current rates with their processor.

Program	Threshold	Rate (August 2026)	Requirement
Non-Qualified	Any amount	2.95% + $0.10	Missing or incomplete data
Standard P-Card	Any amount	2.70% + $0.10	Basic transaction data only
CEDP Verified / Product 3	Any amount	1.75% + $0.10	Level 3 line-item data required
Visa GSA Large Ticket	$5,557.14 and above	1.20% + $39.00	Level 3 line-item data required

The difference between paying the non-qualified rate of 2.95% and the CEDP Verified rate of 1.75% on every eligible government purchase card transaction is significant. On $500,000 in annual government purchase card volume, that difference represents approximately $6,000 per year — simply from having the merchant account configured correctly.

SEWP Contract Large Ticket Transactions — A Program Worth Knowing

SEWP contracts frequently involve large individual orders — IT equipment, software licensing, and technology services with transaction values well above typical retail purchases. For SEWP contract holders regularly receiving government purchase card payments above $5,557.14, there is a separate Visa interchange program that offers even lower rates.

As of August 2026, the Visa GSA Large Ticket interchange rate is 1.20% + $39.00 per transaction for eligible transactions of $5,557.14 and above. For a SEWP contract holder processing a $20,000 IT equipment order, the difference between paying the standard P-card rate and qualifying for the GSA large ticket rate is meaningful on a single transaction — and compounds significantly across a year of federal orders.

Important for Large SEWP Orders

Qualifying for the Visa GSA Large Ticket rate requires Level 3 line-item data to be submitted correctly with each eligible transaction. The merchant account must also be specifically configured for this program. A SEWP contract holder whose merchant account is not set up for Level 3 will not qualify for the large ticket rate regardless of the transaction amount.

Surcharging on SEWP Contract Orders

Some SEWP contract holders ask whether they can add a surcharge to government purchase card transactions to offset interchange costs. Whether surcharging is permitted depends on the specific contract terms and agency requirements. Some agencies and contract structures permit a surcharge of up to three percent — others do not.

For SEWP contract holders where surcharging is not permitted or not practical, Level 3 interchange optimization is the primary tool for reducing the cost of accepting government purchase card payments. Reducing interchange from 2.70% to 1.75% through correct data submission effectively offsets a significant portion of the processing cost — without passing any additional charge to the purchasing agency.

What SEWP Contract Holders Should Verify About Their Payment Setup

Is the merchant account configured for Level 3 / CEDP data submission? Standard merchant accounts typically do not submit Level 3 data automatically. A specifically configured gateway is required.
Are the required data fields transmitting correctly on every transaction? Many accounts that support Level 3 are missing specific fields — such as the purchase order number — that are critical for interchange qualification.
Are transactions qualifying at the CEDP Verified / Product 3 rate? A statement review will show what interchange categories government purchase card transactions are actually clearing at versus what they should be clearing at.
Do large orders qualify for the Visa GSA Large Ticket rate? SEWP orders above $5,557.14 may qualify for 1.20% + $39.00 — but only with correct Level 3 data submission and proper account configuration.
Are there STND or EIRF charges on the processing statement? These indicate transactions that downgraded — meaning required data was missing and the transaction did not qualify for the lower available rate.

Revolution Payments and SEWP Contract Payment Processing

Revolution Payments has specialized in government contractor payment processing for over 25 years — including IT vendors, technology companies, and SEWP contract holders accepting government purchase cards from federal agencies across every department.

The interchange optimization programs that Visa and Mastercard created for government purchase card transactions have been available for decades — but most SEWP contract holders, particularly those new to federal contracting, are never shown how to take advantage of them. Getting the merchant account configured correctly from the start is significantly easier than identifying and correcting an interchange qualification problem after months of overpaying.

For SEWP contract holders who have recently been awarded a contract and are setting up payment processing for the first time — or who are already processing and want to confirm their current setup is working correctly — a no-cost statement review will show exactly where transactions are qualifying and whether there are opportunities to reduce interchange costs on government purchase card payments.

Recently Awarded a SEWP Contract?

Find out whether the merchant account is configured correctly for government purchase card acceptance — and whether Level 3 and GSA large ticket interchange rates apply to the orders being processed.

Call 888-790-3450 — Free Review

GSA Large Ticket Interchange — What Government Contractors Are Leaving on the Table

sjadmin1 — Fri, 04 Sep 2026 01:38:10 +0000

The GSA large ticket interchange program is a Visa interchange category specifically created for government purchase card transactions above a certain dollar threshold. For government contractors — including GSA Schedule vendors, SEWP contract holders, and DoD suppliers — who regularly receive large purchase card payments from federal agencies, this program can significantly reduce the interchange cost on every eligible transaction. The challenge is that most contractors are either unaware it exists, assume they are already enrolled, or are set up in a way that does not actually qualify.

Most government contractors processing large purchase card transactions have never heard of the Visa GSA large ticket interchange program. Those who have often assume they are already enrolled. Most are not — and the cost difference on every qualifying transaction is significant.

What Is the GSA Large Ticket Interchange Program?

The Visa GSA large ticket interchange program is a specialized interchange category that applies to eligible government purchase card transactions above a specific dollar threshold. It offers a significantly lower interchange rate than the standard government purchase card rate — but qualifying for it requires more than simply processing a large transaction. The merchant account must be configured correctly, Level 3 line-item data must be submitted with each eligible transaction, and the card must be a GSA-issued purchasing card rather than a travel and entertainment card.

As of August 2026, the Visa GSA large ticket interchange rate is 1.20% + $39.00 per transaction for eligible transactions of $5,557.14 and above. These rates are subject to change — contractors should verify current thresholds with their processor.

Current Rates — August 2026

Rates are published by Visa and subject to change. The figures below reflect Visa’s interchange schedule effective April 18, 2026. Verify current rates with your processor before making business decisions based on these figures.

Program	Threshold	Rate (August 2026)	Requirement
Non-Qualified	Any amount	2.95% + $0.10	Missing or incomplete data
Standard P-Card	Any amount	2.70% + $0.10	Basic transaction data only
CEDP Verified / Product 3	Any amount	1.75% + $0.10	Level 3 line-item data required
Visa GSA Large Ticket	$5,557.14 and above	1.20% + $39.00	Level 3 line-item data required

What the GSA Large Ticket Interchange Rate Means in Real Dollars

The difference between paying the standard P-card interchange rate and qualifying for the Visa GSA large ticket interchange rate is not theoretical. On large individual transactions the dollar difference per transaction is meaningful — and it compounds across every eligible payment processed over the course of a year.

Real Dollar Comparison — Same Transaction, Different Setup

Transaction Amount$10,000

Standard P-Card Rate (2.70% + $0.10)$270.10

CEDP Verified / Level 3 (1.75% + $0.10)$175.10

Visa GSA Large Ticket (1.20% + $39.00)$159.00

Savings vs. Standard P-Card Rate$111.10 per transaction

For a government contractor processing ten $10,000 purchase card transactions per month, that difference represents over $13,000 per year in unnecessary interchange costs — simply from not being enrolled in and qualifying for the GSA large ticket interchange program. On larger individual transactions the per-transaction savings are even more significant.

“The GSA large ticket interchange program has been available to government contractors for years. The vast majority have never been told about it — or are enrolled but not actually qualifying on every eligible transaction.”

Who Qualifies for the GSA Large Ticket Interchange Program

The Visa GSA large ticket interchange program applies specifically to government purchase card transactions — not all government payments and not all card types. Understanding exactly who qualifies is important before assuming the program applies to a specific merchant account.

GSA-issued Purchasing Cards only — the program applies to GSA SmartPay purchasing cards specifically. Travel and entertainment cards issued under GSA SmartPay are not eligible even above the threshold.
Visa transactions only — the GSA large ticket interchange program is a Visa program. Government transactions on Mastercard fall under separate programs with different rates and thresholds.
Transaction amount of $5,557.14 or above — transactions below this threshold do not qualify for the large ticket rate regardless of other factors. Splitting a large order into smaller transactions eliminates large ticket eligibility.
Level 3 line-item data required — the transaction must include complete Level 3 data. Without it the transaction will not qualify for the GSA large ticket rate even if every other requirement is met.
Non T&E merchant category — travel and entertainment merchant categories are explicitly excluded from the program.
Settlement within required timeframe — transactions must settle within the applicable timeframe. Card not present transactions settling beyond 48 hours risk downgrading to a higher interchange category.

Who This Applies To

Government contractors who commonly qualify include GSA Schedule vendors, SEWP contract holders, DoD suppliers, IT hardware and software vendors, medical supply companies, construction and facilities contractors, and professional services firms that invoice federal agencies for project-based work above the threshold.

Why Most Contractors Don’t Qualify for GSA Large Ticket Interchange

The most common reason government contractors do not qualify for the GSA large ticket interchange rate — even when they technically should — is that their merchant account is not configured to submit Level 3 line-item data correctly on every eligible transaction.

Level 3 data includes detailed information that goes beyond a standard credit card transaction — purchase order number, item description, quantity, unit of measure, unit cost, tax amount, freight amount, and ship-to and ship-from postal codes. This data must be captured at the time of the transaction and submitted electronically through a Level 3 capable gateway. Standard credit card terminals typically cannot do this.

The Silent Problem

A merchant account that is not submitting Level 3 data does not generate an error or a declined transaction. The payment processes, the money arrives, and everything appears to have worked correctly. The only difference is that the transaction cleared at the standard rate rather than the GSA large ticket rate — and the contractor has no way of knowing unless the processing statement is reviewed at the interchange level.

Other common reasons eligible transactions fail to qualify for the GSA large ticket interchange rate include incorrect merchant category codes, authorization amounts that do not match the settled amount, and transactions settling outside the required timeframe. Each of these causes a silent downgrade to a higher interchange category with no obvious indication on the statement other than the interchange code itself.

GSA Large Ticket Interchange and SEWP Contract Holders

SEWP contract holders — vendors on NASA’s Solutions for Enterprise-Wide Procurement vehicle — are among the government contractors most likely to benefit from the GSA large ticket interchange program. SEWP orders frequently involve IT equipment, software licensing, and technology services with individual transaction values well above the $5,557.14 threshold.

For a SEWP contract holder processing a $25,000 IT equipment order paid by government purchase card, the difference between the standard P-card rate and the GSA large ticket interchange rate is approximately $277 on a single transaction. Across a year of SEWP orders, that difference adds up to a meaningful reduction in processing costs — without changing processors, renegotiating rates, or passing any cost to the purchasing agency.

How Revolution Payments Configures GSA Large Ticket Interchange

Getting correctly configured for the GSA large ticket interchange program involves more than simply enrolling in a program. The merchant account must be set up with a Level 3 capable gateway, the required data fields must be mapped and transmitting correctly on every eligible transaction, and the account should be monitored to confirm that large government purchase card transactions are actually clearing at the GSA large ticket rate rather than defaulting to a standard interchange category.

Revolution Payments has specialized in government contractor payment processing for over 25 years — including Level 3 configuration and GSA large ticket interchange enrollment for GSA Schedule vendors, SEWP contract holders, and DoD suppliers. A no-cost statement review will confirm whether current large government purchase card transactions are qualifying at the GSA large ticket interchange rate or whether there is a configuration issue causing eligible transactions to downgrade.

For contractors currently processing and unsure whether their large purchase card transactions are qualifying correctly — the review will show exactly what interchange rate each transaction cleared at and whether the GSA large ticket interchange program is actually working as intended.

Are Large Government Transactions Qualifying Correctly?

A no-cost statement review will confirm whether eligible government purchase card transactions are clearing at the GSA large ticket interchange rate — or whether a configuration issue is causing unnecessary costs on every large transaction.

Call 888-790-3450 — Free Review No obligation · No long-term agreements · Revolution Payments · 25+ Years Government Payment Experience

How Government Contractors Get Paid — And What It Costs When They Do

sjadmin1 — Tue, 01 Sep 2026 02:14:20 +0000

Understanding how government contractors get paid is one of the most practical — and most overlooked — aspects of doing business with the federal government. There are more resources than ever to help contractors win government contracts. The gap is on the other side: once the contract is awarded and the work is delivered, most contractors have never been shown how to get paid in the most economical way. That gap has existed for more than 20 years and it is still costing contractors real money on every eligible transaction.

There are countless programs and consultants that help businesses win government contracts. Almost none of them address what happens on the payment side once the contract is awarded — and that gap is costing contractors and vendors real money on every transaction.

How Government Contractors Get Paid — The Three Main Methods

Government contractors and vendors typically receive payment through one of three methods — wire transfer, ACH, or government purchase card. Each has different implications for cash flow, administrative burden, and in the case of purchase cards, the cost of accepting the payment itself.

Payment Method 1. Wire Transfer

Wire transfers are used for larger contract payments where speed is prioritized. The government initiates the transfer directly to the contractor’s bank account. Funds typically arrive within one to two business days once processed. Wire transfers carry no merchant processing cost on the contractor’s side — the full contract amount arrives without deduction.

The limitation is that wire transfers require manual initiation on the government’s side and are generally used for larger, less frequent payments rather than routine purchase transactions.

Payment Method 2. ACH — Automated Clearing House

ACH is the most common method for routine government contractor payments processed through standard invoicing systems such as the Invoice Processing Platform (IPP) for civilian agencies or Wide Area Workflow (WAWF) for DoD contracts. Once an invoice is approved, ACH payments typically arrive within one to three business days.

Like wire transfers, ACH payments carry no merchant processing cost — the contractor receives the full invoiced amount. The challenge with ACH through the standard invoicing process is that payment timelines depend on invoice approval, which can take 30 days or more under the Prompt Payment Act. During that window, contractors are effectively floating the cost of the work they have already performed.

Payment Method 3. Government Purchase Card — P-Card / GSA SmartPay

Government purchase cards — issued through programs such as GSA SmartPay — are used by federal purchasing agents to pay vendors directly at the point of sale or through an invoice payment process. Many of these cards operate on the Visa and Mastercard networks.

Purchase card payments offer a significant cash flow advantage over traditional invoicing — funds typically settle within two to three business days rather than waiting for the full invoice approval cycle. However, unlike wire and ACH payments, purchase card transactions carry an interchange cost that the merchant absorbs. How that interchange cost is managed determines how much of the contract value the contractor actually keeps.

The Cash Flow Advantage of Purchase Cards

GSA SmartPay guidance notes that purchase card payments improve vendor profitability by reducing payment time from 30 to 45 days on a traditional invoice to 2 to 3 days for electronic payment. For contractors and vendors managing cash flow across multiple contracts, that difference is significant — but it comes with an interchange cost that most have never been shown how to minimize.

How Government Contractors Get Paid by Purchase Card — And What It Actually Costs

When a government purchasing agent pays by purchase card, the contractor or vendor accepts the payment through their merchant account and the funds settle in two to three business days. What most contractors and vendors do not know is that the cost of accepting that payment — the interchange — is not fixed. It varies significantly depending on how the merchant account is configured and whether the right transaction data is being submitted with each payment.

Visa and Mastercard created specific interchange programs for government purchase card transactions more than 20 years ago. The intent was to encourage vendors to submit detailed line-item data with each transaction — and reward them with lower interchange rates when they did. According to the GSA Federal Acquisition Service, by providing Level 3 data, a supplier may reduce their credit card processing fees — often by 30 to 40 percent.

“There are programs to help contractors win government business and programs to help them manage their contracts. Almost nothing exists to show them how to get paid in the most economical way once the contract is in hand.”

What Level 3 Processing Means for How Government Contractors Get Paid

Level 3 credit card processing refers to the submission of detailed line-item transaction data with each purchase card payment — information that mirrors what would appear on an itemized invoice. This includes the purchase order or customer code, item description, quantity, unit of measure, unit cost, tax amount, freight amount, and ship-to and ship-from postal codes.

When this data is submitted correctly with each eligible government purchase card transaction, the transaction qualifies for a lower interchange category. On eligible transactions, the difference can be 30 to 40 percent compared to a standard card submission. Across repeated government purchase card payments, that adds up quickly.

Level 3 processing is not something that happens automatically. The merchant account must be specifically configured to capture and submit the required data fields on each eligible transaction. Many contractors and vendors whose accounts technically support Level 3 are still not receiving the full benefit because the configuration is incomplete or the required fields are not transmitting correctly on every transaction.

Large Ticket Government Purchase Card Transactions — A Program Most Contractors Don’t Know Exists

For government contractors and vendors regularly receiving large purchase card payments, there is a separate Visa interchange program specifically for GSA large ticket transactions that offers even lower rates for eligible payments above a certain threshold.

As of August 2026, the Visa GSA Large Ticket interchange rate is 1.20% + $39.00 per transaction for eligible transactions of $5,557.14 and above. These rates are subject to change — contractors should verify current thresholds and rates with their processor.

Program	Threshold	Rate (August 2026)	Requirement
Non-Qualified	Any amount	2.95% + $0.10	Missing or incomplete data
Standard P-Card	Any amount	2.70% + $0.10	Basic transaction data
CEDP Verified / VL3V	Any amount	1.75% + $0.10	Level 3 line-item data required
Visa GSA Large TKT	$5,557.14 and above	1.20% + $39.00	Level 3 line-item data required

For a contractor receiving a $10,000 purchase card payment, the difference between a standard interchange rate and the GSA large ticket rate can represent $100 or more on a single transaction. At meaningful volume — multiple large purchase card payments per month — that difference is significant annual cost.

Important

Qualifying for the Visa GSA Large Ticket interchange rate requires Level 3 line-item data to be submitted correctly with each eligible transaction. The merchant account must also be specifically configured for this program. Simply accepting government purchase cards above the threshold is not sufficient — the account setup determines whether the lower rate is available.

Who This Matters For

This matters for any business that accepts credit card payments from the government. The opportunity is not limited to one industry, one type of contractor, or only large-ticket transactions. If a federal, state, municipal, military, institutional, or government-related buyer is paying by purchase card, commercial card, or government card, the way that transaction is submitted can directly affect the interchange cost.

Level 3 processing can apply to eligible government and commercial card payments when the merchant account and gateway are configured correctly and the required transaction data is submitted properly. For businesses that also receive larger government card payments, there may be an additional opportunity to qualify for large ticket interchange programs. But the first step is the same: confirming whether the account is actually set up correctly and whether transactions are clearing at the best available interchange category.

What Government Contractors Should Know About Getting Paid Correctly

Understanding how government contractors get paid is only part of the picture. Understanding what it costs — and how to reduce that cost — is where most contractors are missing out. Here is what to verify regardless of how long a contract has been in place:

Is the merchant account configured for Level 3 data submission? Standard merchant accounts and credit card terminals typically do not submit Level 3 data automatically. A Level 3 capable gateway is required and must be properly configured.
Are the required data fields actually transmitting on every transaction? Many accounts that technically support Level 3 are missing specific fields — such as the purchase order or customer code — that are critical for interchange qualification.
Are purchase card transactions qualifying at the expected interchange level? A statement review will show what interchange categories transactions are actually clearing at — not what they should be clearing at based on the account setup.
Do large purchase card payments qualify for GSA large ticket rates? Transactions above $5,557.14 may qualify for the Visa GSA Large Ticket interchange rate of 1.20% + $39.00 — but only with correct Level 3 data submission and proper account configuration.
Are there STND or EIRF charges on the processing statement? These codes indicate transactions that downgraded — meaning required data was missing and the transaction did not qualify for the lower interchange rate available.

How Revolution Payments Approaches Government Contractor Payment Processing

Revolution Payments has specialized in government contractor and vendor payment processing for over 25 years. The interchange optimization programs that Visa and Mastercard created for government purchase card transactions have been available since the program launched — but more than two decades later, most contractors and vendors are still not set up correctly to benefit from them.

Some are set up but not configured in a way that actually generates the interchange savings the program was designed to provide. That is the gap that Revolution Payments was built to address — not just getting a merchant account approved, but making sure government purchase card transactions qualify correctly on every eligible payment.

For any contractor asking how government contractors get paid — and more specifically, how to reduce what it costs when they do — a no-cost statement review will show exactly where purchase card transactions are currently qualifying and whether there is anything worth addressing.

Accepting Government Purchase Cards?

Find out whether purchase card transactions are qualifying at the right interchange level — and whether Level 3 or GSA large ticket rates apply to the volume being processed.

Call 888-790-3450 — Free Statement Review No obligation · No long-term agreements · Revolution Payments · 25+ Years Government Payment Experience info@ revolution-payments.com

Surcharging Government Purchase Cards — What Government Contractors Need to Know

sjadmin1 — Fri, 28 Aug 2026 19:28:42 +0000

Some government contractors are permitted to do surcharging on government purchase card transactions. Whether doing so makes sense is a different question — and for contractors who choose not to surcharge, there is a path to significantly lower interchange costs that most processors never mention.

The question of whether government contractors can surcharge government purchase cards is coming up more frequently. In fact, Revolution Payments has recently spoken with multiple contractors whose government contracts permit a surcharge of up to three percent on purchase card transactions. Over the past 25 years working specifically with government contractors, the payment side of contract performance is still one of the least discussed — and most costly — areas that new and established contractors overlook.

Can Government Contractors Surcharge Government Purchase Cards?

A government contractor surcharge program allows a vendor to add a fee to the transaction when a government purchasing agent pays by purchase card. This fee is intended to offset the merchant’s cost of accepting the credit card — passing some or all of that cost back to the agency making the purchase.

Whether a government contractor can surcharge depends on the specific contract terms, the agency, and applicable regulations. Some contractors working with certain agencies are permitted to charge up to three percent. Others are not. Before implementing any surcharge on government purchase card transactions, the contract terms should be reviewed carefully and confirmed with the contracting officer.

Revolution Payments works with contractors in specific agencies where the purchasing office has confirmed they will accept a surcharge of up to three percent. In those situations, a properly implemented surcharge program can offset the majority of the processing fees a contractor would otherwise absorb. Understanding whether that applies to a specific contract is the starting point of the conversation.

GSA SmartPay guidance notes that A/OPCs should ensure card holders are aware of the possibility of surcharges when making purchases using GSA SmartPay charge cards. If a merchant is imposing a surcharge, the card holder may choose to consider another merchant that offers the same or similar item without the surcharge. This is an important competitive consideration for any government contractor evaluating a surcharge program.

Surcharging Government Purchase Cards — Why Competition Matters

Even when a government contractor surcharge program is permitted under contract terms, the decision to implement one involves more than just whether it is allowed. The competitive implications are real and worth understanding before proceeding.

Government purchasing agents who encounter a surcharge have the option to seek out another vendor offering the same or similar products or services without one. In a competitive procurement environment — where multiple vendors offer comparable capabilities — a surcharge can be a factor that moves business to a competitor. This is particularly relevant for contractors whose products or services are not highly differentiated or where the agency has multiple qualified vendors to choose from.

The Competitive Risk

A government contractor surcharge program that recovers three percent in processing costs may cost significantly more in lost contract value if purchasing agents consistently choose vendors who do not surcharge. The decision should factor in the competitive landscape, the nature of the contract, and whether the agency has readily available alternatives.

For contractors in specialized fields — where the agency has few qualified vendors — the competitive risk of surcharging may be lower. For contractors in more commoditized categories, the risk of losing business may outweigh the benefit of recovering processing costs through a surcharge.

“The decision to surcharge is not just about whether it is permitted — it is about whether the business can absorb the competitive risk of charging an agency more than a competitor would.”

When Surcharging Government Purchase Cards Isn’t the Right Fit

For government contractors who determine that surcharging is not the right fit — either because it is not permitted under their contract or because the competitive risk is too high — the more effective path to reducing the cost of accepting government purchase cards is through interchange optimization.

Visa and Mastercard created specific interchange programs for government purchase card transactions that significantly reduce the cost when the right transaction data is submitted. According to the GSA Federal Acquisition Service, by providing Level 3 data, a supplier may reduce their credit card processing fees — often by 30 to 40 percent. This cost reduction does not require surcharging the agency, does not create a competitive disadvantage, and is available on eligible transactions when the merchant account and transaction data are configured correctly.

What 30 to 40 Percent Actually Means

The GSA has published examples showing the real dollar difference. A $5,000 Visa transaction without Level 3 data costs approximately $139 (2.78%) in interchange. The same transaction with Level 3 data costs approximately $99 (1.98%). For contractors processing significant government purchase card volume, that difference compounds quickly across every eligible transaction.

Surcharging Government Purchase Cards vs. Level 3 — Understanding Your Options

For contractors permitted to surcharge up to three percent, the surcharge effectively passes the full processing cost to the agency. For contractors who optimize through Level 3 processing instead, the interchange cost itself is reduced by 30 to 40 percent on eligible transactions — meaning the contractor pays significantly less without passing any cost to the agency.

For contractors who choose not to surcharge government purchase cards, Level 3 interchange optimization reduces the underlying interchange cost without passing any additional charge to the government customer. That distinction matters — the contractor pays less, and the agency pays nothing extra.

GSA Large Ticket Interchange — A Program Most Contractors Don’t Know About

Beyond standard Level 3 interchange optimization, there is a separate Visa interchange program specifically for GSA large ticket transactions that offers even lower rates for eligible government purchase card transactions above a certain dollar threshold.

Program	Threshold	Rate (as of August 2026)	Data Required
Standard — No Level 3	Any amount	2.70% + $0.10	Basic transaction data only
Level 3 — Government Purchase Card	Any amount	1.90% + $0.10	Level 3 line-item data required
Visa GSA Large Ticket	$5,557.14 and above	1.20% + $39.00	Level 3 line-item data required

For a government contractor regularly processing transactions above the GSA large ticket threshold, the difference between paying standard interchange and qualifying for the GSA large ticket rate is significant. On a $10,000 transaction, standard interchange at 2.70% costs $270. The GSA large ticket rate at 1.20% + $39.00 costs $159 — a difference of $111 on a single transaction. At meaningful volume, that difference adds up to thousands of dollars per year.

Important

Qualifying for the Visa GSA Large Ticket interchange rate requires Level 3 line-item data to be submitted correctly with each eligible transaction. Without Level 3 data, the transaction will not qualify for the large ticket rate regardless of the transaction amount. The merchant account must also be properly configured for this program — simply accepting government purchase cards is not sufficient.

What Government Contractors Should Evaluate Before Deciding

Review contract terms first — confirm whether a surcharge is permitted under the specific contract and agency before implementing any government contractor surcharge program
Assess the competitive landscape — how many qualified vendors does the agency have access to, and how likely are purchasing agents to seek out non-surcharging alternatives
Understand the Level 3 opportunity — before surcharging, determine whether the merchant account is configured to submit Level 3 data correctly and whether interchange optimization alone would adequately reduce costs
Check transaction sizes against the GSA large ticket threshold — if transactions regularly exceed $5,557.14, the GSA large ticket interchange program may reduce costs significantly without any surcharge
Verify the current setup — many government contractors assume their account is configured correctly for Level 3 and large ticket programs. A statement review will confirm whether transactions are actually qualifying at the expected interchange levels

Revolution Payments and Government Contractor Payment Processing

Revolution Payments has specialized in government contractor payment processing for over 25 years. Government purchase cards — including GSA SmartPay cards — represent a meaningful portion of federal procurement spending, and contractors who are not set up correctly are paying more than necessary on every eligible transaction.

Whether the question is whether a government contractor surcharge program makes sense for a specific contract, or whether the current merchant account is configured to qualify for Level 3 and GSA large ticket interchange rates, a no-cost statement review will show exactly where transactions are currently qualifying and what options are available.

Accepting Government Purchase Cards?

Find out whether current transactions are qualifying at the right interchange level — and whether a government contractor surcharge program, Level 3 optimization, or GSA large ticket rates make the most sense for the contract and volume.

Call 888-790-3450 — Free ReviewNo obligation · No long-term agreements · Revolution Payments · 25+ Years Government Payment Experience

Won a Government Contract — Now What About Getting Paid Correctly?

sjadmin1 — Wed, 26 Aug 2026 16:40:12 +0000

For any contractor asking won a government contract now what — the answer almost never includes what to do about accepting payments correctly. Winning a government contract is a significant achievement — and the government contracting industry has built an entire ecosystem around helping businesses get there. SAM.gov registration services, proposal writers, CAGE number consultants, bid monitoring platforms, and procurement advisors all exist to help contractors win. But once a contractor wins a government contract, the question of how to accept the payment correctly is almost never addressed — and after more than 25 years in government payment processing, the gap is still as wide as it has ever been.

How Does the Government Pay Contractors?

Many government agencies pay contractors using Government Purchase Cards — also called GPCs or P-Cards. Many of these purchase cards operate on the Visa and Mastercard networks. They look like any other credit card on the surface, but they carry more capabilities, controls, and data requirements than a standard consumer card.

Accepting a government purchase card correctly is different from simply being able to run a credit card. The transaction must include specific line-item data that goes beyond what a standard credit card transaction captures — and the merchant account must be configured to submit that data automatically with each eligible transaction. Without that configuration, the card processes but the transaction does not qualify for the lower interchange rates that Visa and Mastercard created specifically for government purchase card transactions.

GSA Federal Acquisition Service

The U.S. General Services Administration describes Level 3 transaction data as an “electronic invoice” with line-item details — defining what is being purchased, how the sale takes place, who is involved, and when it takes place. The GSA notes that by providing Level 3 data, a supplier may reduce their credit card processing fees — often by 30 to 40 percent.

Won a Government Contract — Now What Happens With the Payment?

When a contractor wins a government contract and begins accepting government purchase cards, the assumption is usually that having a merchant account is sufficient. The card processes, the money arrives, and the transaction appears to have worked. What most contractors never find out is whether that transaction qualified correctly — or whether it cleared at a rate significantly higher than it needed to.

Visa and Mastercard created specific interchange programs approximately 30 years ago to encourage government vendors to submit additional line-item data with each purchase card transaction. The idea was straightforward — by entering more detailed information about what was purchased, how much was paid, and what the order number was, the transaction would qualify for a lower interchange rate. The government purchasing agent would receive better transaction data for reconciliation. And the vendor would pay less to accept the payment.

Thirty years later, according to Mastercard, 3 out of 5 government vendors are still not properly set up to accept government purchase cards — meaning they are not submitting the enhanced transaction data required to qualify for the lower interchange rates available on eligible transactions. Many who are set up are not receiving the full benefit because their account is not configured correctly. And most have no idea this is happening because nobody in the contracting process ever told them about it.

Being “properly set up” means more than simply having a merchant account that can run a credit card. It means the payment system is configured to capture and submit enhanced Level 3 line-item data with each eligible government purchase card transaction — information such as the purchase order or customer code, item description, quantity, unit of measure, unit cost, tax amount, freight amount, and ship-to and ship-from postal codes. Without this data submitting correctly on every eligible transaction, the lower interchange rates that Visa and Mastercard created for this purpose are not available.

Government vendors are still not properly set up to accept purchase cards in a way that qualifies for the lower interchange rates Visa and Mastercard created specifically for government transactions — even after 30 years of these programs being available.

What Happens When a Government Contract Vendor Is Not Set Up Correctly

When a government contractor accepts a purchase card without submitting the required Level 3 line-item data, the transaction clears at a standard interchange rate rather than the lower rate available for properly submitted government card transactions. The difference can be 30 to 40 percent of the interchange cost on that transaction — and it happens on every transaction, every month, for as long as the account remains incorrectly configured.

The contractor never receives a notice that this is happening. The statement shows the transactions processed. The money arrives. But the cost of accepting that payment is significantly higher than it should be — and the gap accumulates quietly over time.

What This Costs in Real Terms

A government contractor processing $500,000 per year in purchase card transactions who is not set up correctly may be paying significantly more in interchange costs than a contractor with the same volume whose eligible transactions are properly configured for Level 3 qualification. That difference is not driven by the processor’s rate — it comes from how the transactions qualify at the interchange level.

The Gap Nobody in Government Contracting Talks About

The government contracting industry has become sophisticated at helping businesses win contracts. There are platforms that monitor tens of thousands of bid sources daily, consultants who specialize in proposal writing and past performance documentation, and advisors who guide businesses through SAM.gov registration, CAGE numbers, and set-aside certifications.

None of that ecosystem addresses what happens after the contract is awarded and the first purchase card payment comes in. The assumption is that payment processing is a commodity — find a processor, get approved, and move on. For government contractors accepting purchase cards, that assumption is expensive.

“There are more resources than ever to help contractors win government business. The gap is on the other side — understanding how to accept those payments in the most economical way once the contract is in hand.”

How Government Purchase Card Interchange Programs Work

Visa and Mastercard created special interchange rates for government purchase card transactions to encourage vendors to submit detailed transaction data. When a vendor submits the required Level 3 line-item data with each purchase card transaction — including the purchase order number, item description, quantity, unit of measure, and other required fields — the transaction qualifies for a lower interchange category. The cost reduction can be 30 to 40 percent on eligible transactions compared to a standard submission.

GSA Example — Real Dollar Difference

The GSA Federal Acquisition Service published the following examples of the interchange cost difference:

Visa — $5,000 transaction: $139 (2.78%) without Level 3 data vs. $99 (1.98%) with Level 3 data
Visa — $3,000 transaction: $99 (3.30%) without Level 3 data vs. $75 (2.50%) with Level 3 data

Mastercard — $5,000 transaction: $147.50 (2.95%) without Level 3 data vs. $102.50 (2.05%) with Level 3 data
Mastercard — $3,000 transaction: $88.60 (2.95%) without Level 3 data vs. $77.58 (2.58%) with Level 3 data

These interchange programs are not something a contractor negotiates with their processor. Qualification is primarily driven by whether the account and transaction data are configured correctly to meet the applicable requirements.

What Level 3 Data Includes

Level 3 transaction data includes information that mirrors what would appear on an itemized invoice — purchase order number or customer code, item description, quantity, unit of measure, unit cost, ship-to and ship-from postal codes, tax amount, and freight amount. When this data is submitted correctly with each government purchase card transaction, the transaction has the best opportunity to qualify for the lower interchange rates Visa and Mastercard created for this purpose.

Won a Government Contract and Already Processing? Here’s What to Check

For contractors who have already won a government contract and are currently accepting purchase cards, the most important question is not what processor is being used or what rate was negotiated. The most important question is how those transactions are qualifying at the interchange level — and whether the account is configured to take advantage of the programs that exist specifically for government vendors.

Is the account configured for Level 3 data submission? Standard merchant accounts and credit card terminals typically do not submit Level 3 data. A Level 3 capable gateway or virtual terminal is required.
Is the purchase order or customer code field transmitting correctly? The PO number or customer code is one of the most critical fields for government purchase card qualification — and one of the most commonly missing.
Are transactions qualifying at the correct interchange category? A statement review will show what interchange level government card transactions are clearing at and whether there is a gap between what is being paid and what should be paid with correct configuration.
Is the processor experienced with government purchase card transactions? Processing a government purchase card is not the same as optimizing one. The processor’s experience with Level 3 configuration and government card interchange programs matters significantly.
Are there STND or EIRF charges on the statement? These codes on a processing statement indicate transactions that downgraded — meaning required data was missing or incorrect and the transaction did not qualify for the lower interchange rate.

What Government Contractors Should Know Before Accepting Their First Purchase Card

For contractors who have recently won a government contract and are setting up payment processing for the first time, the decisions made at setup determine how transactions will qualify — and what they will cost — for as long as that account is in place.

The processor’s quoted rate is one factor — but it is not the primary driver of cost for government purchase card transactions. Interchange qualification is. A contractor with a very competitive processor rate who is not set up for Level 3 data submission will pay significantly more per transaction than a contractor with a slightly higher processor rate who is configured correctly for government card interchange programs.

Getting Set Up Correctly From the Start

Level-3processing.com specializes in helping government contractors set up merchant accounts that are configured correctly for purchase card acceptance from day one — including Level 3 data submission, PO descriptor configuration, and the interchange optimization programs that Visa and Mastercard created specifically for government vendors. A review of the current setup or a new account configuration takes a matter of days.

The Programs Are There — Most Contractors Just Don’t Know About Them

The interchange programs that reduce the cost of accepting government purchase cards have been in place for approximately 30 years. They were created specifically to benefit government vendors. They do not require negotiation, special certification, or additional fees. They simply require that the merchant account be configured correctly to submit the right data with each transaction.

After more than 25 years working with government contractors, the most common situation encountered is a contractor who won a government contract, has been accepting purchase cards for years, paying standard interchange rates, and had no idea that a program existed that could have reduced those costs on eligible transactions. The money was there. The program was there. The setup just was not.

For any contractor who has recently won a government contract — or who has been accepting government purchase cards and has never had a statement reviewed for interchange optimization — a no-cost review will show exactly how transactions are currently qualifying and whether there is anything worth addressing.

Just Won a Government Contract?

Find out whether the payment setup is configured correctly for government purchase card acceptance — and whether transactions are qualifying at the interchange level available for properly configured government vendor accounts.

Call 888-790-3450 — Free Review No obligation · No long-term agreements · Revolution Payments or email info@ revolution-payments.com

Government Purchase Card PO Descriptor — What VA Vendors Need to Know

sjadmin1 — Tue, 25 Aug 2026 19:12:43 +0000

For vendors accepting government purchase cards from federal agencies such as the Department of Veterans Affairs, properly capturing and transmitting purchase order information can be an important part of both transaction reconciliation and Level 3 interchange qualification. The challenge is that simply having a gateway that supports Level 3 does not necessarily mean every required data field is being captured and transmitted correctly. Purchase order or customer-code information must be properly mapped through the payment environment — and merchants should verify how that information is being transmitted rather than assuming the account is configured correctly.

What Is a Government Purchase Card PO Descriptor?

A government purchase card PO descriptor refers to the Purchase Order number or Customer Code that is transmitted electronically with a credit card transaction as part of the Level 3 data submission. When a federal agency purchasing agent uses a government purchase card — also called a G-Card or GSA SmartPay card — including this information with the transaction supports the auditing and reconciliation processes that agencies use to manage purchase card spending.

This field must be enabled and configured correctly in the merchant’s payment environment. Without it, the transaction may still process — but the purchasing agent’s ability to automatically reconcile the charge in their procurement system can be affected.

Why This Matters for VA Vendors

When a VA purchasing agent uses a government purchase card, PO and transaction information can be used as part of the agency’s reconciliation process to associate card charges with the appropriate purchase or obligation. When the PO information is transmitted correctly with the transaction, that reconciliation process is more straightforward. When it is not, the purchasing agent may need to manually research and reconcile the charge — which creates additional administrative work on the agency’s side. Vendors whose transactions reconcile cleanly are generally easier to work with from an agency procurement standpoint.

Three Reasons the Government Purchase Card PO Descriptor Matters

The government purchase card PO descriptor affects vendors selling to federal agencies in three meaningful ways — each with real operational or financial consequences.

Reason 01

Level 3 Data Is in Demand by Federal Buyers

The GSA SmartPay program encourages government card transactions to include detailed line-item data to support agency auditing and reconciliation. Visa and Mastercard created special interchange rates to encourage vendors to submit this additional data — and the Purchase Order number or Customer Code is one of the most important fields in that submission.

When this data is submitted correctly, merchants can reduce interchange costs by 30 to 40 percent in many cases compared to a standard submission. The PO descriptor is a critical part of qualifying for those lower rates.

Reason 02

Transaction Reconciliation Inside Federal Procurement Systems

When a VA purchasing agent places an order, a matching obligation is typically created in the agency’s internal procurement database. At the end of the billing cycle, the agency’s system attempts to match card statement charges to open purchase orders. The PO information transmitted with the transaction is what makes that automated match possible.

Without the PO information — the purchasing agent may need to manually research each unmatched charge to determine which transaction corresponds to which purchase order, creating additional administrative work
With the PO information transmitted correctly — the agency’s system can match the charge to the open purchase order automatically, with no manual intervention required

Reason 03

Interchange Qualification — Savings or Missed Opportunity

Visa and Mastercard created special interchange rates to encourage vendors to submit enhanced data with government card transactions. When the government purchase card PO descriptor and other required Level 3 fields are submitted correctly, transactions can qualify for significantly lower interchange rates — reducing costs by 30 to 40 percent in many cases.

When required data fields are missing or incomplete, transactions may not qualify for the optimized interchange category. The PO descriptor is one of several fields that affect qualification — missing it is one common reason government card transactions fail to qualify for the lower rates available to vendors who submit complete data.

“Simply having a gateway that supports Level 3 does not mean every required data field is being captured and transmitted correctly — including the PO descriptor that federal purchasing agents need for reconciliation.”

How the Government Purchase Card PO Descriptor Works in Practice

When a government purchasing agent places an order, they typically provide a Purchase Order number or Customer Code. This information needs to be captured at the time of the transaction and transmitted through the payment environment as part of the Level 3 data submission.

The payment system — whether a virtual terminal, integrated gateway, or compatible point-of-sale environment — is responsible for capturing and transmitting this field. Not all payment environments are configured to handle this correctly even when they technically support Level 3 data, and the government purchase card PO descriptor field must be specifically enabled and mapped to capture the information on each transaction.

What Many Vendors Discover Too Late

Many vendors assume their account is configured correctly because their processor indicated Level 3 support. In practice, support for Level 3 data and correct configuration of every required field — including the government purchase card PO descriptor — are two different things. The only reliable way to confirm the PO information is transmitting correctly is to verify it on a live or test transaction rather than relying on the processor’s general assurance that Level 3 is enabled.

Government Purchase Card PO Descriptor Considerations for VA Vendors

The Department of Veterans Affairs has detailed purchase card auditing and reconciliation processes. VA purchasing agents work within internal systems that are designed to match card statement transactions to open obligations and purchase orders.

For vendors selling to the VA, ensuring that the government purchase card PO descriptor is transmitting correctly is a practical consideration — both for making the purchasing agent’s reconciliation process smoother and for maximizing the opportunity to qualify for Level 3 interchange rates on eligible transactions.

Practical Consideration for VA Vendors

Vendors selling to the VA should confirm with their processor or payment environment provider that the PO or Customer Code field is enabled, configured, and transmitting correctly on government card transactions. This is worth verifying directly rather than assuming it is working because Level 3 is generally supported.

How to Confirm the Government Purchase Card PO Descriptor Is Working

The most reliable way to confirm the government purchase card PO information is transmitting correctly is to run a test or live transaction and verify the resulting transaction data with your payment provider. If the setup is intended to display the PO number on the purchasing agent’s card statement, that should also be specifically tested and confirmed — how PO information appears in the transaction data versus on the cardholder statement can vary depending on how the payment environment is configured.

Verify the payment environment supports Level 3 data submission — not all payment setups transmit enhanced data fields even when technically capable
Confirm the PO descriptor field is enabled and mapped — general Level 3 support does not guarantee every field is active and configured
Test a transaction and review the statement — confirm the PO number appears correctly rather than assuming
Check processing statements for interchange qualification — if government card transactions are not qualifying at enhanced data rates, it may indicate required fields are not transmitting correctly
Ask your processor specifically — can the PO number provided by the purchasing agent be captured and transmitted dynamically on each transaction

What Correct Government Purchase Card PO Descriptor Setup Looks Like

A properly configured government purchase card account captures the PO number or Customer Code at the time of the transaction and transmits it as part of the Level 3 data submission. The field populates based on what the purchasing agent provides for each transaction — not as a static value that is the same on every charge.

Revolution Payments configures government contractor merchant accounts with Level 3 data submission in mind — including the government purchase card PO descriptor field. Accounts are reviewed to confirm that the required data fields are transmitting correctly and that government card transactions have the best opportunity to qualify at Level 3 interchange rates.

For government contractors who are already processing and unsure whether the government purchase card PO descriptor is configured correctly — a statement review can help identify whether transactions are qualifying at the interchange level expected for properly submitted government card data.

Selling to Federal Agencies Including the VA?

A statement review can help confirm whether government purchase card transactions are submitting PO descriptor information correctly and qualifying at the interchange level available for properly configured government card accounts. 888 790 3450 or email Info@ revolution-payments.com

Government Contractor Cash Flow: The Hidden Cost of Federal Payment Delays

sjadmin1 — Sun, 05 Jul 2026 12:03:06 +0000

Government contractor cash flow is one of the most misunderstood challenges in federal business. While the Prompt Payment Act requires agencies to pay within 30 days of a proper invoice, many contractors routinely experience payment cycles closer to 45–60 days — because the statutory clock does not begin until a proper invoice is received and accepted. That distinction is not a technicality. It is the difference between planning your business around 30 days and absorbing the cost of 60.

How Federal Net 30 Hurts Government Contractor Cash Flow

The Prompt Payment Act is on your side — but only if you understand what triggers it.

The 30-day clock does not start when you submit an invoice. It starts when the agency receives a proper invoice — and the definition of proper is strict. A missing contract number, incorrect CLIN reference, absent EFT banking information, or any documentation gap the contract specifies can reset the clock entirely. No one is required to notify you that it happened.

By the time a valid invoice clears submission, acceptance, internal review, billing office handoffs, and the agency’s payment run schedule — which may be weekly or biweekly — 45 to 60 days is a routine outcome. Not a worst case. Routine.

Why Federal Payments Take Longer Than Net 30

Even when an invoice is submitted correctly, several layers inside the federal payment system add time before funds move:

Proper invoice requirements — the invoice must meet every documentation standard in the contract before the 30-day clock begins
Acceptance — the contracting officer or designated representative must formally accept the deliverable or service before the invoice is considered proper
Payment office processing — the finance and payment office (separate from the contracting officer) handles actual disbursement and operates on its own review and approval cycle
Payment run schedule — most federal payment offices run disbursements weekly or biweekly; missing a cycle by one day adds another full cycle to your wait
New contract setup — the first invoice on a new contract is almost always the slowest while the payment office establishes your account

Understanding each of these stages gives you the ability to manage them — and to identify exactly where a delayed payment is stuck.

What Federal Payment Delays Cost Government Contractor Cash Flow

Most contractors absorb this delay without measuring it. That is a mistake that quietly erodes government contractor cash flow year after year.

Every dollar sitting in accounts receivable has a cost. Your business has a cost of capital — the rate you pay to borrow money, maintain a line of credit, or the opportunity cost of cash unavailable for reinvestment. When applied to unpaid receivables sitting for 30 extra days, the number is not theoretical. It is real and it compounds across every invoice cycle.

Example:

$500,000 annual federal receivables

8.25% cost of capital

45 days outstanding instead of 30

≈ $5,100 annual carrying cost

On $2M in receivables, that is over $20,000 annually — before factoring in any credit line used to bridge payroll.

Some contractors price payment delays into their rates. That is a legitimate strategy — but it raises your bid and creates competitive pressure. The better move is to reduce the float itself.

The Prompt Payment Act: Know Your Rights

When a federal agency fails to pay a proper invoice within 30 days, it owes interest at a rate set by the Treasury Department and updated periodically. Some agencies pay it automatically. Many do not unless the contractor requests it. The amounts on any single invoice are small. Across a year of federal work with multiple contracts, they add up.

Practical steps most contractors miss:

Verify IRAPT acceptance status — not just submission. Submitted and accepted are two different statuses. An invoice sitting in submitted is not being processed.
Follow up with the payment office directly, not the contracting officer. COs do not process payments. The finance office does, and they have a separate contact number.
Document every invoice submission with a timestamp and confirmation. If the clock is disputed, you need the record.
Request Prompt Payment Act interest explicitly on any invoice that clears 30 days without payment.

Why Government Contractors Have a DSO Problem

DSO — Days Sales Outstanding — is the average number of days between an invoice and collected cash. In most commercial B2B, average DSO on Net 30 terms runs about 45 days. In government contracting, DSO regularly runs 60 days or longer on the first invoice cycle of a new contract.

That means the cash flow gap between delivering work and getting paid is wider for government contractors than for most commercial suppliers — even though the federal government is considered the most creditworthy payer in the world. The government will pay. The question is when. And the time between now and then has a cost.

Where Level 3 Processing Fits In

Invoice factoring and lines of credit are the most common tools contractors use to bridge the float. Both work. Both cost money.

Level 3 payment processing is a less commonly discussed tool — but for government contractors who accept card payments from agencies or prime contractors using [virtual cards] or [purchasing cards (P-cards)], it addresses a different part of the cost equation. While Level 3 processing does not make the government pay faster, it can reduce one of the other costs associated with delayed cash flow by lowering interchange expenses on eligible card payments — providing the standard electronic funding timeline associated with card acceptance while qualifying transactions for significantly better rates.

Level 3 processing requires submitting line-item detail — item descriptions, quantities, unit prices, tax amounts — with each transaction. Most contractors processing card payments do not submit this data, which means they pay [commercial interchange rates] on transactions that qualify for significantly lower [government and large-ticket rates].

The difference between a standard card rate and a Level 3 qualified rate on a $50,000 government procurement can be 1% or more — a meaningful number when card payments are a regular part of how an agency or prime pays you.

How to Strengthen Government Contractor Cash Flow

The contractors who manage federal cash flow well treat it as a system, not a hope. Practically, that means:

Build 60–90 days of operating reserves before taking on federal work. The first invoice cycle on a new contract is almost always the slowest.
Submit a clean invoice every time. Compliance is not paperwork — it is cash flow. One missing field can cost two to four weeks.
Know the agency’s payment run schedule. Missing a biweekly run by one day adds a full cycle to your wait.
Track your DSO by contract and agency. Some pay consistently. Some do not. That history should inform how you price future work.
Understand your cost of capital. If you carry a line of credit to fund payroll between invoice cycles, that interest is a real cost of doing federal business.
Evaluate Level 3 processing if your agency or prime pays by card. The interchange savings can materially offset float costs over the life of a contract.

The Bottom Line on Government Contractor Cash Flow

Government contractor cash flow does not have to be a guessing game. Federal payments are slower than most commercial arrangements — but they are predictable once you understand the system. The Prompt Payment Act gives you legal footing. Disciplined invoicing and DSO tracking give you control over timing. And Level 3 processing gives you a tool to reduce costs when cards are in play.

The gap between Net 30 and 60-day reality is real. The question is whether your business is built to absorb it — or built to close it.

Revolution Payments specializes in Level 3 processing for government contractors.

If your agency or prime contractor pays by purchasing card, virtual card, or other commercial card, Revolution Payments can review your current processing setup at no cost. We’ll determine whether your transactions qualify for Level 3 rates, identify missed interchange savings, and show you how much could potentially be recovered.

revolution-payments.com

How to Accept Fleet Cards

sjadmin1 — Thu, 25 Jun 2026 21:32:38 +0000

If you want to accept fleet cards, you need more than a standard credit card processor. Fleet cards such as WEX and the U.S. Bank Voyager® Fleet Card require separate merchant enrollment, proper POS configuration, and the ability to capture additional transaction data. Whether you operate a gas station, truck stop, truck repair shop, heavy-duty service center, or auto parts supplier, learning how to accept fleet cards can help you attract more commercial customers and increase recurring revenue.

Why Accept Fleet Cards?

Businesses that manage company vehicles actively look for locations that accept their preferred fleet cards. If your business isn’t enrolled, fleet drivers will often choose a competitor that is.

When you accept fleet cards, you can:

Increase diesel and fuel sales
Win more commercial repair work
Sell more truck and fleet parts
Build repeat business with fleet operators
Appear in WEX and Voyager merchant locators
Attract municipal, utility, and government fleets

Commercial customers often spend significantly more than retail customers, making fleet card acceptance a valuable addition for businesses serving commercial vehicles.

What Are Fleet Cards?

Fleet cards are payment cards designed specifically for businesses that operate company vehicles. Unlike consumer credit cards, fleet cards help employers control fuel purchases, maintenance expenses, repairs, and other operating costs while providing detailed reporting for every transaction.

Companies that commonly use fleet cards include:

Trucking companies
Delivery and logistics companies
Construction contractors
Utility providers
HVAC companies
Plumbing businesses
Landscaping companies
Government agencies
Rental fleets

The two largest fleet card networks are WEX and Voyager. Both require merchants to complete separate enrollment before accepting transactions.

How to Accept WEX Fleet Cards

WEX is one of the largest fleet payment providers in North America. Although many people associate WEX with fuel purchases, the network also supports maintenance and commercial vehicle expenses.

To accept WEX fleet cards, merchants typically need:

WEX merchant enrollment
Compatible POS equipment
Driver ID prompts
Odometer capture
Proper merchant category coding
Payment system testing before activation

Unlike Visa and Mastercard, WEX transactions process through the WEX network rather than the traditional card networks.

How to Accept Voyager Fleet Cards

The U.S. Bank Voyager® Fleet Card serves businesses that sell fuel, perform repairs, provide maintenance, or sell commercial vehicle parts.

Voyager is accepted at hundreds of thousands of merchant locations and remains one of the most recognized fleet payment solutions for trucking companies and commercial fleets.

Businesses that commonly accept Voyager include:

Truck repair facilities
Heavy-duty service centers
Tire dealers
Auto parts suppliers
Fuel retailers
Fleet maintenance companies

Voyager enrollment requires proper merchant approval and compatible payment equipment before accepting live transactions.

Equipment Needed to Accept Fleet Cards

Before you accept fleet cards, verify that your payment system supports fleet transactions.

A proper setup includes:

Merchant enrollment
POS programming
Driver ID prompts
Odometer capture
Merchant Category Code verification
Level III transaction data when required

Many merchants assume their processor automatically supports fleet cards. In reality, additional configuration is often required.

Common Fleet Card Setup Mistakes

Merchants lose fleet transactions every day because of avoidable setup problems.

Common issues include:

Missing Driver ID prompts
Incorrect odometer setup
Wrong Merchant Category Code
Improper POS programming
Missing Level III data
Working with processors that don’t fully support WEX or Voyager

Reviewing your configuration before going live helps prevent declined transactions and frustrated customers.

Fleet Card Processing Rates

Fleet cards follow different pricing rules than standard consumer credit cards because WEX and Voyager operate outside the Visa and Mastercard interchange system.

Processing costs vary based on:

Monthly volume
Merchant type
Fuel versus maintenance transactions
Processing agreement
Fleet network requirements

Rather than focusing only on rates, businesses should consider the additional commercial revenue generated by accepting fleet cards.

Which Businesses Should Accept Fleet Cards?

If your business serves commercial vehicles, accepting fleet cards can help you grow.

Industries that benefit include:

Gas stations
Truck stops
Diesel fuel retailers
Truck repair shops
Fleet maintenance companies
Heavy-duty service centers
Commercial tire dealers
Auto parts suppliers
Towing companies
Card lock locations
Government fuel sites

Businesses located near interstate highways, distribution centers, industrial parks, or trucking routes often experience the greatest benefit.

Frequently Asked Questions

Can I accept fleet cards with my existing POS?

Many modern POS systems support fleet cards, but most require additional programming before accepting WEX or Voyager transactions.

How long does it take to accept fleet cards?

Merchant approval generally takes two to four weeks, depending on the fleet network and the documentation required.

Are fleet card rates different from Visa and Mastercard?

Yes. WEX and Voyager use their own pricing structure rather than standard Visa or Mastercard interchange.

Can truck repair shops accept fleet cards?

Yes. Truck repair facilities, heavy-duty service centers, commercial tire dealers, and auto parts suppliers commonly accept WEX and Voyager fleet cards.

Ready to Accept Fleet Cards?

If your business serves commercial vehicles, accepting WEX and Voyager fleet cards can help you win more fuel sales, repair work, and parts purchases from trucking companies, contractors, government agencies, and commercial fleets.

At Revolution Payments, we handle the entire process—from merchant enrollment and network approvals to POS programming and transaction setup—so you can start accepting fleet cards without the headaches or guesswork.

Already approved but not sure your system is configured correctly? We can review your current setup, identify any issues, and make sure you’re getting the most from your fleet card program.

Contact Revolution Payments today for a no-obligation fleet card consultation and learn how accepting WEX and Voyager can help your business attract more commercial customers.