Navigating the Landscape of B2B Payments: Understanding Volume Fees

In the complex world of Business-to-Business (B2B) transactions, understanding the structure of compliance fees and volume fees is crucial for companies aiming to optimize their payment processes. Unlike consumer payments, B2B transactions are layered with additional considerations such as compliance, risk management, payment rails, and the nature of the payments themselves. These factors contribute to a highly variable landscape where the cost of transactions can significantly differ from one provider to another, and even from one transaction to the next.

The Challenge of Standardization

One of the primary challenges in B2B payments is the lack of standardization in fees. Fees vary widely depending on several factors, including the geographic location of the transaction, the risk involved, and the payment method used. Consequently, companies often find themselves in a negotiation process, trying to determine what the other party is willing to pay. This negotiation is not just about reaching a favorable financial arrangement; it’s about understanding the value of the service provided and ensuring that it aligns with the needs of the business.

A Framework for Volume Fees

While there is no one-size-fits-all answer to what companies might expect to pay in compliance or volume fees, there is a general framework that can serve as a starting point for negotiations. Here is a basic guideline for understanding how volume fees might scale with transaction volume:

Total Incoming VolumeVolume FeeBasis Points
$0 to $100,0000.350%35
$100,001 to $250,0000.320%32
$250,001 to $500,0000.300%30
$500,001 to $1,000,0000.270%27
$1,000,001 to $5,000,0000.250%25
$5,000,001 to $10,000,0000.200%20
$10,000,001 to $20,000,0000.150%15
$20,000,001 and above0.100%10
$50,000,000 and above0.075%7.5
B2B (Suggested) Volume (or Compliance) Fee Table

These figures should not be taken at face value but rather seen as a benchmark for initiating discussions. The actual fees may vary based on the specifics of the transactions and the relationships between the involved parties.

Considerations for Negotiating Fees

When entering negotiations, it’s essential to consider the full scope of the services being provided. Beyond the volume of transactions, factors such as the speed of payment processing, the level of customer service, and the security measures in place can all impact the perceived value of a B2B payment service. Businesses should weigh these factors carefully against the fees being charged to ensure they are getting a fair deal that meets their specific needs.


The B2B payments landscape is characterized by its complexity and variability. While the lack of standardization in fees can make it challenging to navigate, having a baseline understanding of how volume fees might be structured provides a valuable starting point for negotiations. By considering the full range of factors that influence the cost of transactions, companies can make informed decisions that optimize their payment processes and contribute to their overall success.

This page was last updated on March 1, 2024.

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