Best Merchant Accounts for Wholesale Distributors (2023)

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.

How to Select the Best Wholesale Distributor Credit Card Processor

As a Wholesale Distributor in the USA, selecting the right credit card processor can have a significant impact on the efficiency and profitability of your business. Below we have identified some key factors to consider when selecting a credit card processor.

Credit Card Processing Fees

As a wholesale distributor, you likely process large transactions, which means the processing fees charged by the credit card processor can quickly add up. Look for a processor that offers competitive rates and doesn't charge hidden fees, such as statement fees, batch fees, or PCI compliance fees.

Security and Fraud Prevention

With the rise of online fraud and data breaches, it's essential to choose a credit card processor that prioritizes security. Look for a processor that offers EMV chip card technology, encryption, and tokenization to protect sensitive data. Additionally, check if they offer fraud detection and chargeback management services.

Integration with Your Existing Systems

Your credit card processor should seamlessly integrate with your current systems, such as your point-of-sale (POS) system, accounting software, and inventory management system. This integration will save time and reduce the likelihood of errors.

Reliable Customer Support

When issues arise with credit card processing, you need fast and reliable customer support. Look for a processor that offers 24/7 support, with multiple channels for communication, such as phone, email, and chat.


Wholesale Distributors often have customers that are located in different parts of the country or even globally, so it's important to choose a processor that accepts a wide range of credit cards, including those with international acceptance. Look for a processor that supports major credit cards such as Visa, Mastercard, American Express, Discover, and JCB.

Payment Processing Speed

Wholesale distributors often need to process payments quickly to maintain good relationships with their customers. Therefore, it's important to choose a processor that offers fast payment processing and quick access to funds.

Industry-Specific Features

Some credit card processors offer industry-specific features that can benefit wholesale distributors. For example, some processors may offer the ability to manage customer credit limits, automated invoicing, and customizable payment terms.

In conclusion, when selecting a credit card processor for a Wholesale Distributor business, it's important to consider the processing fees, security, integration, customer support, accessibility, payment processing speed, and industry-specific features. By considering these factors, you can find a credit card processor that meets your business's unique needs and helps you maximize profits.

Top Picks for Merchant Services for Wholesale Distributors

helcim logo

#1 Helcim

Top Pick for Wholesale Distributor Credit Card Processing

Helcim is a merchant account provider headquartered in Alberta, Canada, and Seattle, Washington. The company provides merchant services and credit card processing to both U.S. and Canadian businesses. Helcim offers traditional payment processing equipment as well as a feature suite called “Helcim Commerce,” which is intended to serve as an all-in-one business management solution for merchants across all of their sales channels.

Helcim: A Great Option for Wholesale Distributors Needing Credit Card Processing Services

For wholesale distributors who need to accept credit card payments from their customers, Helcim is a top-notch payment processing service. Helcim provides a variety of features that make payment processing easy and efficient, allowing businesses to focus on what really matters: running their wholesale distribution operations smoothly.

Clear Pricing Structure

One of the key benefits of using Helcim is its simple and straightforward pricing structure. There are no hidden fees or confusing pricing tiers to navigate, which can be a big plus for businesses on a tight budget. Additionally, Helcim offers competitive rates, which can help wholesale distributors save money on payment processing costs over time.

POS Integration and Powerful Security

Another advantage of Helcim is its flexibility. The service can be easily integrated with a wide range of point-of-sale (POS) systems, making it a good choice for wholesale distributors who use various sales channels to reach customers. Helcim also offers a suite of powerful tools for fraud prevention and chargeback management, which can help businesses avoid losses due to fraudulent transactions.

Helcim is an excellent option for wholesale distributors looking for a reliable, affordable, and feature-rich payment processing service. With its transparent pricing, flexible integration options, and robust security features, Helcim can help wholesale distributors improve their payment processing operations and focus on growing their businesses.

Host Merchant Services logo

Host Merchant Services

Top Pick for Wholesale Distributor Merchant Accounts

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+.”

Wholesale Distributor Payment Processing Made Easy with Host Merchant Services

If you are a business owner in the Wholesale Distributor industry, accepting credit card payments from your customers is essential. However, finding a reliable and affordable payment processing solution can be challenging. Host Merchant Services is an excellent option for Wholesale Distributor businesses looking for a payment processing service that is tailored to their unique needs.

Quick and Secure Payment Processing

One of the key advantages of Host Merchant Services is their ability to process payments quickly and securely. With their cutting-edge payment processing technology, they can handle all types of credit card payments, including EMV chip cards, mobile payments, and e-commerce transactions. This means that you can accept payments from customers both in-store and online, providing a seamless payment experience for your Wholesale Distributor customers.

Transparent Pricing Model

Another advantage of using Host Merchant Services for your Wholesale Distributor payment processing needs is their transparent pricing model. They offer simple and competitive pricing that is easy to understand, with no hidden fees or long-term contracts. This makes it easier for you to budget and manage your payment processing costs, allowing you to focus on growing your Wholesale Distributor business.

Excellent Customer Service

Host Merchant Services provides excellent customer support to ensure that you have a hassle-free payment processing experience. Their knowledgeable and friendly support team is available 24/7 to answer any questions or concerns you may have. With their help, you can quickly resolve any payment processing issues and get back to serving your Wholesale Distributor customers.

Host Merchant Services is an excellent option for Wholesale Distributor businesses looking for a reliable and affordable payment processing solution. With their advanced technology, transparent pricing, and exceptional customer support, they can help streamline your payment processing and improve your bottom line.

For more information, visit the Host Merchant Services website or call (888) 727-4538.

PaymentCloud Logo


Top Pick for Wholesale Distributor Credit Card Processing

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.”

PaymentCloud: A Top Choice for Wholesale Distributors Accepting Credit Card Payments

As a wholesale distributor, you need a reliable payment processing service that can handle large transactions and ensure the security of your customers' sensitive financial information. PaymentCloud is a top option for small business owners who sell Wholesale Distributor products and need to accept credit card payments from their customers. Here's why:

Flexible Processing Solutions

PaymentCloud offers a range of processing solutions to suit the needs of Wholesale Distributor businesses. Whether you need mobile, online, or in-person processing, PaymentCloud has you covered. Additionally, PaymentCloud can handle high-volume transactions, so you never have to worry about hitting processing limits.

Industry-Leading Security

PaymentCloud prioritizes the security of its clients' data. They utilize advanced encryption technologies to ensure that customer payment data is kept safe and secure. Additionally, they comply with all industry standards and regulations, including PCI-DSS compliance, so you can have peace of mind that your transactions are protected.

Competitive Pricing

PaymentCloud offers transparent pricing with no hidden fees, making it easy for Wholesale Distributors to budget for payment processing costs. With PaymentCloud, you can enjoy competitive rates for credit card processing, so you can keep more of your hard-earned profits.

24/7 Customer Support

As a Wholesale Distributor, you need a payment processing service that is always available when you need it. PaymentCloud provides round-the-clock customer support, so you can get help whenever you need it.

PaymentCloud is the ideal payment processing solution for Wholesale Distributor businesses. With flexible processing solutions, industry-leading security, competitive pricing, and 24/7 customer support, PaymentCloud has everything you need to streamline your payment processing and grow your Wholesale Distributor business.

For more information, visit the PaymentCloud website or call (888) 506-7859.

cdg commerce logo

CDG Commerce

Top Pick for Wholesale Distributor Merchant Services

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.

CDG Commerce: A Great Option for Wholesale Distributors Accepting Credit Cards

Wholesale distributors know that accepting credit cards is essential to running a successful business. CDG Commerce is a top-rated credit card processing service that offers a range of benefits specifically tailored to the unique needs of wholesale distributors.

Competitive Pricing Structure

One of the most significant advantages of using CDG Commerce for wholesale distributor payment processing is their competitive pricing. CDG Commerce offers some of the lowest rates in the industry, with no hidden fees or long-term contracts. This means that wholesale distributors can accept credit cards from their customers without worrying about excessive fees cutting into their profits.

Ability to Handle High-Volume Transactions

Another advantage of CDG Commerce is their ability to handle high-volume transactions. Wholesale distributors often need to process large orders, and CDG Commerce has the technology and infrastructure in place to handle these transactions efficiently and securely. Additionally, CDG Commerce offers next-day funding, which means that wholesale distributors can access their funds quickly and efficiently.

Advanced Fraud Protection and Excellent Customer Service

In addition to competitive pricing and high-volume transaction processing, CDG Commerce also offers a range of other benefits that make it an excellent option for wholesale distributors. For example, their advanced fraud detection tools help protect wholesale distributors from fraudulent transactions. CDG Commerce also offers 24/7 customer support, which is critical for wholesale distributors who need to be able to accept credit cards at all times.

CDG Commerce is a great option for wholesale distributors who need to accept credit card payments from customers who are buying wholesale distributor products. With competitive pricing, high-volume transaction processing, advanced fraud detection tools, and 24/7 customer support, CDG Commerce provides wholesale distributors with everything they need to run a successful business.

For more information, see the CDG Commerce website or call (888) 393-1079.

Additional Options

eMerchant Broker Logo


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+.”

EMerchantBroker: The Ideal Wholesale Distributor Payment Processing Solution

Wholesale Distributors rely on efficient and secure payment processing to keep their businesses running smoothly. That's where eMerchantBroker comes in as the perfect solution for Wholesale Distributors looking to accept credit card payments. The company offers a range of services that cater to the unique needs of Wholesale Distributors, making it an ideal option for businesses in this industry.

Secure Payment Processing

Security is a top priority for Wholesale Distributors who process credit card payments. eMerchantBroker uses state-of-the-art technology to ensure the safety and security of every transaction. With eMerchantBroker, Wholesale Distributors can be confident that their customers' sensitive payment information is protected at all times. This level of security is essential for businesses that deal with large transactions and require high levels of protection against fraud and chargebacks.

Flexible Payment Options

Wholesale Distributors require flexible payment processing solutions that can cater to their unique business needs. eMerchantBroker offers a range of payment processing options that are tailored to meet the specific requirements of Wholesale Distributors. Whether it's recurring billing, mobile payments, or virtual terminals, eMerchantBroker can accommodate these needs. With eMerchantBroker, Wholesale Distributors can offer their customers a wide range of payment options, ensuring they never miss out on a sale.

Fast Processing Times

In the Wholesale Distributor industry, time is of the essence. That's why eMerchantBroker provides lightning-fast processing times for credit card transactions. This means that Wholesale Distributors can quickly receive payments and move on to the next sale. eMerchantBroker understands the importance of timely payments for Wholesale Distributors and strives to make the payment process as fast and efficient as possible.

EMerchantBroker is the perfect payment processing solution for Wholesale Distributors who need a secure, flexible, and fast payment processing service. With its state-of-the-art security measures, flexible payment options, and lightning-fast processing times, eMerchantBroker is the ideal partner for Wholesale Distributors looking to streamline their payment processing and grow their businesses.

For more information, see the eMerchantBroker website or call (877) 301-3442.

national processing logo

National Processing

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.

National Processing: Reliable Choice for Wholesale Distributors

As a Wholesale Distributor, accepting credit card payments from customers is crucial for the growth and success of your business. National Processing offers Wholesale Distributors a top-notch payment processing service that is tailored to meet their unique needs. Here are a few reasons why National Processing is the best option for Wholesale Distributors who need to accept credit card payments.

Affordable Wholesale Distributor Payment Processing

National Processing offers Wholesale Distributors affordable payment processing rates that are tailored to the size and needs of their business. As a Wholesale Distributor, you need to keep your expenses in check to remain competitive. With National Processing, you get to save on payment processing fees, which can add up quickly. They offer wholesale pricing for their payment processing services, which means that you can process large volumes of transactions at a lower cost.

Reliable Payment Processing for Wholesale Distributors

National Processing understands the importance of reliable payment processing for Wholesale Distributors. That's why they offer a secure payment processing platform that ensures your customers' payment information is safe and protected. With National Processing, you can rest assured that your payment processing is in safe hands. Their payment processing platform is designed to handle high transaction volumes, ensuring that you never miss a sale.

Advanced Payment Processing Features for Wholesale Distributors

National Processing offers Wholesale Distributors advanced payment processing features that make it easier to manage and track their transactions. They offer real-time reporting, which allows you to keep track of your sales and revenue. Additionally, they offer a range of payment processing options, including mobile payments and online payments. This flexibility ensures that you can accept payments from customers, no matter where they are located.

National Processing is the top choice for Wholesale Distributors who need to accept credit card payments. They offer affordable, reliable, and advanced payment processing services that are tailored to meet the unique needs of Wholesale Distributors. Contact National Processing today to learn how they can help your Wholesale Distribution business grow.

For more information, see the National Processing website or call (385) 777-1235.

Frequently Asked Questions: Merchant Accounts for Wholesale Distributors Credit Card Processing

 What are merchant accounts for wholesale distributors?

Merchant accounts for wholesale distributors are financial services that enable businesses engaged in wholesale distribution to accept credit card and electronic payments from their customers. These accounts facilitate secure and efficient payment processing for bulk orders and wholesale transactions.

Why do wholesale distributors need specific merchant accounts?

Wholesale distributors often deal with large order volumes and unique payment processing requirements compared to traditional retail businesses. Specific merchant accounts for wholesale distributors cater to these needs and offer solutions tailored to the wholesale industry.

How can I find the best merchant account for my wholesale distribution business?

To find the best merchant account for your wholesale distribution business, consider the following steps:

a. **Research Wholesale-Focused Processors:** Look for payment processors that specialize in serving wholesale distributors and B2B (business-to-business) transactions. These providers will understand your industry's specific needs and offer features tailored to wholesale businesses.

b. **Compare Fees and Rates:** Assess the processing fees, transaction rates, and any other costs associated with each potential merchant account. Choose a provider with transparent and competitive pricing that aligns with your wholesale business's size and transaction volume.

c. **Verify Card Acceptance:** Ensure that the merchant account supports major credit cards and electronic payment methods that your business customers are likely to use.

d. **Consider Integration with Wholesale Management Software:** If you use wholesale management software to manage orders and inventory, ensure that the merchant account can integrate seamlessly with it for streamlined operations.

e. **Check for Multi-Currency Support:** If your wholesale distribution business operates internationally, consider a provider that supports multi-currency transactions to accommodate global payments.

Can wholesale distributors use regular merchant accounts for payment processing?

Wholesale distributors can use regular merchant accounts offered by mainstream providers; however, specialized accounts that cater to the unique needs of wholesale businesses are often more suitable. Regular accounts may not offer the same level of support for large transactions and wholesale volume.

Are there any specific considerations for large wholesale distributors vs. smaller businesses?

Both large wholesale distributors and smaller businesses should consider their unique requirements when choosing a merchant account. Larger wholesale businesses may require higher transaction processing capabilities and advanced features, while smaller ones may prioritize cost-effectiveness. Select a provider that aligns with your wholesale business's size and specific needs.

How long does it take to set up a merchant account for a wholesale distribution business?

The time it takes to set up a merchant account can vary depending on the provider and your wholesale distribution business's specific circumstances. Typically, the process can take a few days to a couple of weeks. Initiating the application process early can help ensure a smooth setup.

Can wholesale distributors accept contactless and mobile payments from their business customers?

Yes, many merchant account providers offer contactless payment options, such as tap-and-go cards and mobile wallet payments like Apple Pay and Google Pay. Accepting these payment methods can enhance the convenience for your business customers during wholesale transactions.

Can wholesale distributors process both one-time orders and recurring transactions with a merchant account?

While wholesale distributors primarily deal with one-time bulk orders, some may offer recurring services or subscription-based models. Select a merchant account that supports both one-time transactions and recurring billing if applicable to your wholesale distribution business.

 Are there any hidden fees I should be aware of when choosing a merchant account?

Carefully review the contract terms and fees of potential merchant account providers to identify any hidden costs. Watch out for setup fees, monthly minimums, and any other charges that might impact your overall costs.

 Can wholesale distributors switch merchant account providers if they are not satisfied with the service?

Yes, in most cases, you can switch merchant account providers if you are not satisfied with the service or find a better fit for your wholesale distribution business. However, be mindful of any contractual obligations and potential termination fees that might apply.

Finding the best merchant account for your wholesale distribution business can significantly impact your payment processing efficiency and customer satisfaction. Take the time to research and compare different options to choose a provider that aligns with your specific needs and offers the best solutions for wholesale transactions.

Reader Comments

Tell Us What You Think

1 User Reviews

  • Brodie

    I’m extending my heartfelt appreciation for your comprehensive and insightful article on “Best Merchant Accounts for Wholesale Distributors”. As a professional in the wholesale distribution sector, your guide has been an indispensable tool in helping me understand and navigate this specialized field.

    Your detailed analysis of each merchant account, highlighting their unique benefits, potential drawbacks, and distinguishing features, was masterfully done. You’ve succeeded in simplifying a complex topic, making it far more digestible for readers like myself.

    I especially appreciated your focus on crucial factors such as transaction fees, customer service, and security measures. Your insights into the specific needs of wholesale distributors, including handling large transactions, processing international payments, and managing high-volume sales, were particularly beneficial.

    The depth of research, time, and expertise you put into creating this guide is evident. Your commitment to providing accurate, relevant, and practical information has significantly simplified the typically intricate decision-making process, empowering professionals like me to make more informed choices.

    Thank you once again for your remarkable contribution to this field. Your hard work, dedication, and expertise are greatly appreciated.

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