August 13, 2020

The fees wholesaler-distributors pay to accept credit cards, interchange, dues, and assessments, often represent the most significant portion of their order to cash fees paid and can be much larger than their other treasury management costs.

Visa’s recent rate increase in July of this year and the adjustment planned for April are the card brand’s largest fee increases to B2B processing in more than a decade. These rate adjustments target Card-Not-Present transactions, those most common in wholesale distribution.


Modular, cloud-based AR and payment acceptance solutions from Unified Payments Group, including compliant surcharge technology for credit card payments, mitigate credit card acceptance fees and integrate easily with Epicor Prophet 21.

logoM&A Logo

M&A Supply Company, a P21 user and wholesale-distributor of heating & air conditioning equipment and supplies for more than 50 years, understands balancing the cost of accepting credit cards with offering the option to customers who may need it.


M&A Supply contacted Unified Payments for a complimentary, custom AR Consultation and to learn more about Unified’s compliant surcharge solution which passes credit card processing fees on to customers at the point-of-sale. After just 3-months of leveraging Unified’s Online Payment Acceptance, Enhanced ACH Processing, and Compliant Credit Card Surcharge solutions, M&A has experienced significant savings and benefits including:

  • More than $90K savings in first three months with P21 integrated surcharge and ACH processing.
  • Increased customer satisfaction and self-service driven by integrated online payment solution.
  • Reduced effective rate from 2.85% to 0.05%.
  • Automated cash application for payments received.
  • Automated cash application for payments received.
devin watts

“Our integration was fast, easy and one of the best experiences we’ve ever had. In just days, our customers had already made dozens of payments online and we saw real savings immediately. The implementation was excellent, and the support team was really on top of things. We felt like we were Unified’s  number one client.”


Devin Watts, CFO
M&A Supply Company

Founded in 1969 and based in Nashville, TN, M&A Supply remains a family-owned business and has grown to become one of the largest privately-held independent wholesalers in the country with more than 15 locations in three states.


Unified’s compliant surcharge solution for credit card acceptance and their entire suite of automated AR and cash app solutions, including dynamic e-invoicing, pay-by-text, online and mobile/curbside payments, and more are supported 24/7 by U.S.-based experts. All Unified solutions come with on-going consultation and concierge support by experts from the payment and treasury management industries.


Receive Your Complimentary AR Savings Consultation to understand what a P21-integrated complaint surcharge solution for credit card acceptance can mean for your business.


Watch this Video to See How Unified Payments Group Simplifies AR.