Wholesale Distributors Require Efficient Credit and Debit Card Processing
When it comes to your wholesale distribution business, it’s all about efficiency. Moving products quickly from manufacturers to wholesalers and optimizing your own internal logistics requires constant attention to detail. This same approach also comes in handy when you’re shopping for a merchant account. In order to cut out hidden costs and avoid purchasing unnecessary products, you’ll need to do a little bit of research on the industry. Typically, B2B organizations like distributors will be best served by a virtual terminal that offers automated billing, accounting software integration, ACH processing, and access to Tier 2 and Tier 3 processing rates. If you can find these services for a competitive price, you should be operating an even leaner, more cost-effective business in no time.
To help you find an affordable provider that works for you, we’ve put together the following list of the best merchant accounts for wholesale distributors. The companies on this list offer virtual terminals, online billing, MOTO processing, and other useful tools for operating your wholesale distribution center. They are also known to provide low-commitment contracts with transparent pricing and quality customer service. To find the right provider for your distribution company, be sure to research each processor’s products and features and compare pricing and terms.
Top Picks for Merchant Services for Wholesale Distributors



Host Merchant Services
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Fast approval for most industries
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No contract or cancellation fees
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Highly rated customer support
(888) 727-4538
Host Merchant Services is a Newark, Delaware-based merchant account provider that is well-suited for wholesale distribution services of all sizes. The company’s products and services include online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, and merchant cash advance. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to interested new merchants. Host is an affordable option for distributors that would prefer to accept most of their transactions over the internet.
Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”
For more information, visit the Host Merchant Services website or call (888) 727-4538.



PaymentCloud
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Fast approval for numerous "high-risk" industries
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Broad product and service offering
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Highly praised customer support
(888) 506-7859
Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving standard to high-risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. These features allow wholesale distributors to tap into the benefits of inventory management tools hosted by POS systems. Furthermore, PaymentCloud provides wholesale rates for merchants in this industry. For those reasons, PaymentCloud is a good option for wholesale distributors.
PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”
For more information, visit the PaymentCloud website or call (888) 506-7859.



CDG Commerce
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Specialized services for most industries
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Simple and transparent rates
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350+ technology integrations, including Quickbooks
(888) 393-1079
Located in Chesapeake, Virginia, CDG Commerce is another great option for distribution companies. CDG has been privately owned since 1998 and offers a proprietary payment gateway (as well as a discount on Authorize.Net’s payment gateway), a virtual terminal, QuickBooks integration, mobile phone processing, sales reporting, security breach protection, and vulnerability scanning. CDG Commerce is ideal for wholesale distributors that desire a simple, low-cost, integrated method for accepting in-person and online payments.
CDG Commerce only charges a low, fixed fee per transaction and offers competitive contractual terms, including no annual fees, monthly minimums, or termination fees. CDG also offers next day funding to most business types. CDG has earned an “A+” rating in our review as well as an “A+” rating with the BBB.
For more information, see the CDG Commerce website or call (888) 393-1079.
Additional Options



eMerchant Broker
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Maintains numerous banking partners
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Can get approvals for international businesses
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Top-rated in "high-risk" industry satisfaction
(877) 301-3442
eMerchantBroker is a Los Angeles, California-based company that offers high-risk e-commerce processing solutions and can help with wholesale payment processing. The company’s products include credit card processing, ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims.
eMerchantBroker offers custom pricing for each merchant and maintains a low complaint rate relative to its size and merchant portfolio. Our review of eMerchantBroker gives the company an “A” rating overall and the BBB assigns the company a rating of “A+.”
For more information, see the eMerchantBroker website or call (877) 301-3442.



National Processing
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Top-rated choice for businesses that want Clover POS
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Fast approval and next day deposits
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Quick equipment deliver and 24/7 support
(385) 777-1235
National Processing offers several small business processing options and can assist wholesale distributers with identifying the right POS system or virtual terminal for their needs. The company offers two pricing options: one an interchange-plus program or a “zero-fee” program, both of which offer competitively priced rates.
National Processing has a clean reputation with just one complaint filed in the last three years, which is not concerning in nature. Our independent review finds National Processing to be a solid option for most wholesalers.
For more information, see the National Processing website or call (385) 777-1235.