B2B Payments Suite

Interchange Fee Optimizer

Transmits transactional metadata and processes credit card payments at lower costs (i.e., Level 2 or Level 3).

Up to 1% less interchange fee per transaction.

Desktop with Black Screen
AI-Based Credit Management Software

Key Modules

AI-based E-Mail Remittance Capture

Level 2 Processing

0.5% Lower Cost. Reduce processing costs by auto-transmitting invoice data to the processor. More

AI-based E-Mail Remittance Capture

Level 3 Processing

1% Lower Cost. Reduce processing costs by auto-transmitting SKU & tax data to the processor. More

AI-based E-Mail Remittance Capture

Interchange Fee Analysis

Optimize Savings. Reports & dashboards to provide transactional-level visibility and cost-saving opportunities. More

400+ Enterprise Customers

Enterprise Customers

600+ Mid-Market Customers

Enterprise Customers

$120K Average Annual Savings
With the self-serve portal.
Read more.


100% Automated Cash Posting
For all payments made via the portal.
Read more.


100% Lockbox Fee Eliminated
By increasing electronic payment adoption. Read more.

Frequently Asked Questions

Does the B2B payment gateway software integrate with ERP and other systems?

Yes. We are an ERP-agnostic software that seamlessly integrates with all major ERPs (like SAP, Microsoft Dynamics 365, Oracle, and NetSuite). It can be easily scaled to meet the needs of growing organizations, making it a flexible and adaptable solution.

How much time does it take to implement HighRadius interchange fee optimizer software?

3-6 months. Our industry-defining Speed to Value methodology ensures faster time to implementation and quicker ROI through a combination of out-of-the-box functionalities, agile implementation methodologies, and a focus on outcome metrics.

What is interchange optimization?

Interchange fee is the primary fee paid by a merchant to process a transaction. Interchange optimization is the usage of best processing habits to qualify a merchant for the lowest rate possible for every transaction.

What is the pricing for your interchange fee optimization software?

Setup fees and subscription fees. Our pricing model has two components: the one-time setup fees and a monthly recurring subscription fee. You can get on a call with us and get customized pricing according to your business needs.

Does HighRadius interchange fee optimizer software integrate with banks?

Yes, we partner with various banks and financial institutions to automatically capture payment information from all the industry-standard bank payment files and formats. Some of our banking partners are Bank of America, CitiBank, American Express, etc.

What factors affect interchange rates?

The interchange fees depend on various factors like card type, transaction amount, merchant category, and card network.

How does interchange optimization benefit businesses?

Interchange fee optimization has several benefits such as reduced processing costs, increased profit margins, enhanced cash flow, etc.

How does interchange fee optimization handle data security and privacy?

Security is a priority for us. Data Intercept enables secure acceptance of payment data, reducing our client’s security burden and tokenizing the data for payment processing. We are PCI-DSS compliant.