For Wholesale & B2B

B2B pricing tiers, NET terms, ACH — the way wholesale actually works.

Square Invoices + Customer Directory + ACH bank transfers in one stack. Tier prices per customer, send NET 30 invoices, take ACH at 1% (capped), and skip the per-card surcharge entirely on the big invoices.

See Wholesale PricingTalk to a specialist
  • Customer-specific pricing tiers
  • ACH bank transfer at 1% (capped)
  • NET 15 / 30 / 60 invoice terms

What we hear from operators

The four problems we solve first

01

Card fees on a $5,000 invoice are absurd

2.9% on a $5k invoice = $145 just to get paid. Square Invoices accept ACH bank transfer at 1% (capped) — that's $10 instead of $145. We make ACH the default option on B2B invoices.

02

Every customer needs different pricing

Tier 1, Tier 2, distributor, MAP, custom — Square Customer Directory lets you assign pricing rules per account, and Square Online B2B can show each customer their own catalog after login.

03

NET terms, recurring orders, and dunning are real workflows

Send NET 15/30/60 invoices, set automated reminders, accept partial payments, and use Square's recurring invoice flow for standing orders. No more Excel due-date trackers.

04

Trade shows are full of cards anyway

Pop a Square Terminal in your booth — sample sales and trade-show orders run through the same catalog, with pricing rules respected and orders flowing into the same fulfillment queue.

The Square Stack

The exact Square products that fit your business

SugarPay deploys, configures, and supports each of these — billed through Square, activated and trained by us.

  • Square Invoices

    Branded NET-term invoices, recurring schedules, partial payments, automated reminders, and a hosted payment page that accepts card and ACH.

  • Square ACH bank transfers

    Customers pay invoices via ACH at 1% (capped at $10 per transaction). Routing/account or instant verification through Plaid; settles in 3–5 business days.

  • Square Customer Directory

    Assign customer-specific pricing rules, payment terms, and delivery preferences. The same record powers invoicing, the B2B catalog, and reporting.

  • Square Online (B2B-friendly)

    Customer-specific catalogs with login-gated pricing, MOQ rules, and case-pack ordering. Standard Square Online with B2B-friendly extensions.

  • Square for Retail (warehouse)

    Inventory tracking, vendor receiving, low-stock alerts, and barcode-driven pick-pack workflows for the warehouse side.

  • Square Banking + Loans

    Same-day payouts and capital offers based on volume — useful for inventory buys before a seasonal push.

Recommended Hardware

Your kit, decided in five minutes

We'll size the bundle to your footprint and ticket volume. Square Hardware financing is available to spread the spend.

Warehouse / counter

Square Stand or Register

For will-call pickup, returns, and walk-in B2B customers. Same catalog as invoicing.

Trade shows / sales reps

Square Terminal (handheld)

Wi-Fi or LTE; runs the same catalog with pricing rules per customer. Sales reps in the field close orders on the spot.

Receiving & pick-pack

Socket Mobile barcode scanner

Bluetooth scanner pairs with Square for Retail for fast receiving and pick-pack workflows.

Shipping & SKU labeling

Brother / Dymo label printer

Print SKU labels and shipping documents from the same catalog.

Switching from

Why operators move to SugarPay + Square

vs. NetSuite

NetSuite is enterprise-grade and priced like it ($5k+/mo plus implementation). Square + SugarPay handles 80% of small-mid wholesale needs at a fraction of the cost, with a faster onboarding.

vs. QuickBooks Commerce

Intuit sunsetted standalone QuickBooks Commerce; current bundling is awkward. Square is a clean separation: Square handles commerce; QuickBooks (or Xero) handles books via integration.

vs. Cin7 / Brightpearl

Inventory-first ERPs that bolt POS and invoicing on. For most small-mid wholesalers, Square's commerce-first approach is faster to operate.

vs. Generic ACH processors

Standalone ACH (Stripe, GoCardless, Plaid bank transfer) gets the bank transfer cheap, but you lose the unified invoicing, customer record, and POS context. Square ACH is in the same flow as everything else.

Detailed comparison pages and migration guides are on the way. In the meantime, tell us your current processor and we'll model the actual savings against your sales.

Vertical FAQ

The questions wholesale operators ask first

How does ACH work in Square Invoices?

Add a customer, send an invoice with ACH enabled. Customer pays via routing/account or instant Plaid verification; settles in 3–5 business days. Pricing is 1% capped at $10 per transaction (subject to Square's published rates).

Can I assign different prices to different customers?

Yes — Customer Directory supports pricing rules and discounts per customer. For deep B2B catalogs (login-gated, customer-specific SKUs), Square Online with B2B configuration handles it.

Do you support recurring / standing orders?

Yes — Square Invoices have recurring schedules with configurable cadence and end conditions. For shipped recurring orders, sync recurring billing to your fulfillment trigger.

Can sales reps close orders in the field?

Yes — Square Terminal handhelds run the same catalog with pricing rules. Reps can take orders, take a deposit, or process the full sale on-site at trade shows or accounts.

Will Dual Pricing make sense for B2B?

Often less so — most B2B should default to ACH (1% capped) which is already low-cost. Dual Pricing is most powerful where card payment is the dominant tender. We model both against your mix at onboarding.

Other industries

Different shop, same playbook

Quote me my book.

Tell us your invoice volume, average invoice size, and customer count — we'll quote Standard rates, ACH-led, or Duet within one business day.

Get my quote →