Case Study  

How Nationwide Payment Systems Helped B2B Companies Optimize Cash Flow and Reduce Payment Processing Costs 

1. Executive Summary

Nationwide Payment Systems (NPS) has transformed how B2B companies handle payment processing by addressing one of their most pressing challenges—cash flow. Traditional business models forced these companies to act as de facto banks for their customers, offering extended net terms (30, 60, or even 90 days) while bearing the financial risk and cash delays themselves. 

NPS introduced a game-changing approach by combining advanced credit card processing with ACH (Automated Clearing House) solutions. This combination allows businesses to accelerate their receivables, transition from outdated billing models, and lower the overall cost of acceptance. By integrating surcharging and fee-passing options, NPS empowers B2B merchants to not only collect payments faster but also turn their payment systems into revenue-neutral—or even revenue-positive—operations. 

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2. About Nationwide Payment Systems

Nationwide Payment Systems is a Florida-based financial technology company specializing in innovative payment processing solutions for businesses across the United States. With over two decades of experience, the company focuses on equipping B2B merchants with tools to modernize their payment infrastructure, increase efficiency, and reclaim financial control. 

Their solutions include: 

• Credit card processing tailored for B2B transactions. 

• ACH payment services for low-cost bank-to-bank transfers. 

• Advanced surcharging and fee programs to offset processing costs. 

• Payment portals and virtual terminals for seamless invoicing and collections 

NPS’s mission is to help businesses break free from traditional, cash-strapped models and embrace faster, smarter payment alternatives. 

3. The Challenge: Businesses Acting as Banks

In traditional B2B models, vendors often provide goods or services with net-30 or longer terms, essentially lending money to their clients without interest. This practice: 

• Depletes cash reserves, making it hard to manage operational costs. 

• It costs more money to access your line of credit; it is less expensive to accept cards. 

• Delays investment in growth initiatives due to uncertain cash flow. 

• Increase financial risk with customers who may pay late—or not at all. 

• Restrict flexibility, forcing businesses into rigid billing cycles. 

Moreover, when customers did pay, merchants faced steep fees for processing payments, often without options to recoup those costs. The result? A fragile financial cycle that strained liquidity and discouraged innovation. 

4. The Solution: Modern Payment Infrastructure

Nationwide Payment Systems offered a comprehensive solution built around three pillars: 

• Credit Card Acceptance with B2B Optimization

NPS provided optimized credit card processing rates for Level 2 and Level 3 B2B transactions. These enhanced data levels lower interchange fees for qualifying transactions, saving businesses money right off the bat. 

• ACH Payments for Lower Fees

ACH payments enabled businesses to collect funds directly from a customer’s bank account, often at a fraction of the cost of card processing. ACH also provided faster, more predictable cash flow and reduced the likelihood of chargebacks. 

• Strategic Fee Programs

NPS introduced optional programs for surcharge and fee-sharing, allowing businesses to offset or eliminate payment processing costs. These include: 

• Credit card surcharges (where legally permitted) 

• ACH fee-passing to customers. 

• Blended fee programs based on customer payment preferences. 

Together, these tools allowed merchants to customize their payment policies based on business needs and customer behavior. 

5. Changing the Payment Terms Game

One of the most transformative impacts of NPS’s solutions was enabling merchants to change their payment terms. Instead of extending Net-30 or net-60, businesses could now offer: 

• Net-15 terms or even “due on receipt” policies 

• Multiple payment methods (credit card, ACH, Apple Pay, Google Wallet) 

• Customer incentives (like credit card rewards) to pay faster. 

As a result, B2B merchants no longer had to act like banks. They could get paid faster, reduce receivables aging, and focus on operations—not collections. 

6. Results & Business Impact

The transformation brought by Nationwide Payment Systems was immediate and measurable. By integrating streamlined payment options and rethinking traditional billing models, B2B merchants began to see remarkable improvements in their operational efficiency and financial health. 

Key Outcomes: 

• Accelerated Cash Flow: Businesses that previously waited 30 to 90 days for payment were now getting paid within 15 days—or even faster. This drastically improved liquidity and enabled smarter, quicker business decisions. 

• Lower Processing Costs: With optimized Level 2 and Level 3 interchange rates for credit cards and the introduction of ACH payments, clients reduced their total cost of acceptance by up to 50% in many cases. 

• Improved Client Relationships: Surprisingly, customers welcomed the new payment methods. Paying by credit card meant they could earn rewards, cash back, or airline miles, while also extending their own payment window without straining the vendor’s finances. 

• Increased Profitability: Businesses that passed on fees using compliant surcharging programs turned what was once a cost center into a neutral—or even profitable—aspect of operations. 

One client summed it up perfectly: “We stopped being the bank for our clients, and we started running our business like a business again. We’re getting paid faster, our costs are down, and we’re in control of our terms.” 

7. Client Testimonials & Real-Life Success

ABC Wholesale Distributors: 
“We were writing off tens of thousands in overdue invoices every quarter. After working with NPS, not only did we slash those write-offs, but we also reduced our cost per transaction by 40%. Most of our customers now pay with ACH or with credit cards, and our A/R days have dropped significantly. 

XYZ Industrial Suppliers: 
“We never thought our clients would go for credit card payments, but once we offered it—especially with the rewards they could earn—it became the preferred method. It’s been a game-changer for our cash flow.” 

8. Customization & Integration Capabilities

Nationwide Payment Systems didn’t just offer a one-size-fits-all solution, they tailored the payment infrastructure to fit each client’s specific business model. Whether a company wanted to: 

• Offer payment portals- no coding required!  

• Embed invoicing directly into their CRM, QuickBooks Online 

• API for integration into ERP Systems. 

• We support recurring billing and subscriptions. 

• Implement surcharges for credit cards or Dual pricing. 

• ACH – you can pay the fee or have your customers pay a small fee. 

NPS provided scalable, integrated solutions that fit seamlessly into the merchant’s existing workflows. The result was not just faster payments, but smarter ones. 

Passing some or all the fees to your customers offers the most significant cost savings; while improving your cash flow and your customers get TWO benefits, one they get 45-day float- 15 from your business and 30 from their credit card. Plus, they are getting miles, rewards, or cash back!  

It’s a Win-Win 

9. Looking Ahead: Futureproofing B2B Payments

The future of B2B commerce is digital, fast, and customer centric. Nationwide Payment Systems continues to evolve with the needs of modern businesses by: 

• Expanding real-time payment (RTP) options, 

• Enhancing security and fraud prevention tools, 

• Supporting mobile and app-based invoicing solutions, 

• Providing insights into customer payment behavior through analytics. 

Their goal? To not just process payments, but to empower businesses to thrive financially and operationally. 

10. Are you ready to book a call?

Nationwide Payment Systems redefined how B2B companies manage and receive payments. By replacing outdated invoicing and payment models with efficient, cost-effective alternatives, they empowered businesses to take control of their cash flow, reduce costs, and strengthen their customer relationships. 

No longer acting as unpaid banks, B2B companies are now equipped to grow with confidence, using the time value of money to their advantage. With the support of NPS, they’ve reclaimed financial agility—and it’s paying off. 

FAQ: Frequently Asked Questions