Gateway Financial
For food distribution

Payments tuned for food distribution

The way Food Distribution collect deposits, balances, and renewals is the real underwriting story. Day to day, large recurring orders with Level 2 and 3.

The way Food Distribution collect deposits, balances, and renewals is the real underwriting story. Day to day, large recurring orders with Level 2 and 3 interchange savings. The usual break points are high-ticket sales triggering holds, declines, or steep fees and recurring billing that is clumsy or quietly drops saved cards. Our setup targets high-ticket optimization for food distribution, not a one-size countertop bundle.

1Reality check

Sound familiar?

These are the friction points we hear most often from food distribution before a savings review.

  • Business and government cards costing far more than they should
  • Chasing invoices and waiting on checks to clear
  • High-ticket sales triggering holds, declines, or steep fees
  • Recurring billing that is clumsy or quietly drops saved cards
  • Statements you cannot actually read or verify
2Payment motion

How food distribution get paid

Your underwriting, equipment, and pricing should match this flow, not a generic countertop setup.

  • Day-to-day large recurring orders with Level 2 and 3 interchange savings
  • Large single tickets and project balances
  • Deposits and progress draws on big jobs
  • Monthly and quarterly plans rebilled on file
  • Membership and service agreements on autopay
3Setup

What we configure for your vertical

  • Level 2 and 3 optimization: Line-item and tax data passed for B2B cards
  • Level 2 and 3 data on qualified B2B transactions
  • Invoicing and pay-by-link for net terms clients
  • Invoicing and pay-by-link: Secure links and stored cards for faster collection
  • Pay-by-link embedded in your quote and invoice flow
4Watchouts

Worth knowing before you switch

  • Chasing invoices and waiting on checks to clear
  • Blended rates hide true cost until you line up interchange categories
  • Keyed card numbers widen PCI scope and inflate CNP pricing
5Support

How Gateway helps

Practical outcomes we configure for food distribution, on top of transparent interchange-plus pricing.

Level 2 & 3 optimization

We pass tax and line-item data automatically so B2B and government cards qualify for the lowest rates.

Invoicing & pay-by-link

Send a secure link and get paid fast, with cards stored safely for next time.

High-ticket optimization

Right-sized limits and clean settlement so large sales clear and cost less.

Recurring & saved cards

Tokenized cards on file with reliable rebilling, card-updater, and smart retries.

Real human support

A dedicated specialist who actually answers, plus our written savings guarantee.

The bottom line

  • Level 2 and 3 optimization: Line-item and tax data passed for B2B cards
  • Level 2 and 3 data on qualified B2B transactions
  • Invoicing and pay-by-link for net terms clients
  • Invoicing and pay-by-link: Secure links and stored cards for faster collection

Common questions

We align secure pay links and hosted checkout with how your customers actually pay.

Ready to lower your food distribution fees?

Send one statement. We’ll show you exactly what you could save, with no commitment.