Credit Card Level 3 Processing For Businesses Transacting in a B2B Fashion 

Dimitri Akhrin: Education is at the core of our mission. Most business owners accept credit cards daily, but very few truly understand how credit card processing works, how interchange fees are determined, or how much money they may be losing simply because their payment processing setup is not optimized.

At BAMS.com, we provide detailed resources that break down the fundamentals of payment processing in clear, merchant friendly language. We explain how interchange works, how to reduce fee structures, and how to align processing methods with business models. When merchants understand the mechanics behind the fees, they become empowered to make smarter decisions that directly improve their bottom line. This mirrors Lambda Finance’s commitment to informed financial decision making.

Dimitri Akhrin: Level 3 Processing is one of the most important and most overlooked cost saving opportunities in the entire payment processing industry. It allows merchants, especially B2B merchants, to qualify for significantly lower interchange rates by sending enhanced transaction data along with corporate or purchasing card transactions.

Unfortunately, many merchants either do not know that Level 3 exists or assume they do not qualify. The reality is that most B2B merchants can qualify and can save a substantial amount of money if their processing platform supports Level 3 data.

That is why we created our in depth resource at https://www.bams.com/b2b-merchant-account/

This page explains exactly what Level 3 Processing is, how it reduces costs, and how merchants can activate it through BAMS. We walk clients through the entire setup process and provide the tools needed to maximize Level 3 savings. It is one of the most effective ways for businesses to cut payment expenses without changing their operations.

Dimitri Akhrin: Most providers focus on simply facilitating transactions. BAMS focuses on optimizing them.

We combine transparent pricing, advanced reporting tools, and true merchant education to help businesses reduce their processing costs long term. Our IRIS portal gives merchants real time visibility into transaction data, fees, interchange categories, and processing trends. That level of clarity is rare in the payments industry and is crucial for controlling costs.

Unlike many processors, we do not use confusing rate structures or bundled pricing models. Our approach is built on merchant empowerment, not merchant dependency. That is one of the biggest alignment points between BAMS and Lambda Finance, we both believe clients make the best decisions when they fully understand their financial landscape.

Dimitri Akhrin: Payment processing has become more complex than ever. Different card types, interchange rules, card brand fees, authorization methods, and compliance requirements all impact the cost of a single transaction. Many merchants are unknowingly overpaying simply because their processor has not given them the tools or guidance to optimize these variables.

BAMS acts as a partner in the process. We help merchants evaluate their current environment, identify where they are losing money, and implement solutions that reduce costs without disrupting operations. Whether it is switching to Level 3 Processing, improving interchange qualification, lowering chargebacks, or redesigning transaction flows, our team focuses on long term efficiency, not temporary fixes.

This approach directly aligns with Lambda Finance’s philosophy of empowering clients through clarity and control.

Dimitri Akhrin: Our missions align around one central idea, giving clients the ability to make informed, strategic decisions. Lambda Finance focuses on empowering financial confidence, and BAMS empowers merchants by making credit card processing and payment processing more transparent, more understandable, and more cost effective.

As more businesses shift online and as payment technology continues to evolve, the need for education, clarity, and optimization will only grow. Whether it is helping merchants unlock Level 3 savings or giving them the reporting tools needed to understand their payment activity, our shared goal is to help them take control of their financial success.

When merchants understand how payment processing truly works, they stop reacting to fees and start managing them. That is the real definition of empowerment.