The Alternative
Settlement Rail for
B2B Trade Credit
Empower your merchant network to accept closed-loop trade cards on existing terminals. No new hardware. Zero network friction. Built natively for payment processors.
ISO 8583
native0
new hardware<300ms
authThe processor's why
A New Volume Driver for Your Existing Merchant Portfolio.
01
Open New Margins
Tap into unmonetized B2B corporate trade credit balances and capture processing fees outside traditional card brand constraints.
02
Protect Merchant Retention
Equip your sales agents with a proprietary, high-value alternative payment method that competitors cannot match.
03
Immediate Scale
Deploy seamlessly across your existing merchant base using your current ISO terminal fleet.
Business-to-business acceptance
The Closed Loop Trade Card
One proprietary card. A connected network of business buyers and sellers. Trade Credits, not fiat, settle the sale.
Issued, Not Spent From
Each corporate buyer receives a closed-loop debit card loaded with trade credit balances from selling partners, never drawn against fiat bank accounts.
Card-to-Terminal Transmission
At checkout, the card transmits encrypted processing data straight to the merchant's terminal, tap, insert, or swipe. The terminal treats it like any card-present transaction.
Authorized Against the Ledger
Terminal data routes through your gateway to the trade credit ledger, which approves the sale in real time and settles inside the closed loop.
Technical architecture
Zero Hardware Friction. Native ISO 8583 Protocol Integration.
Our closed-loop ledger routes trade credit authorizations directly through your existing gateway infrastructure.
Merchant Terminal
SmartPOS / Legacy
Identifies IIN 603278 and intercepts, bypassing Visa/Mastercard routing tables.
Acquirer Gateway
Your MSP / Processor
Packages ISO 8583 or JSON payload and maps it to the Virtual Commerce endpoint.
Trade Credit Ledger
Authorization engine
Real-time balance, risk and eligibility checks. Returns 00 Approved.
Settlement Engine
Instant B2B settlement
Debits buyer, credits seller, routes your margin to daily residuals.
Terminal Native
Injects into Android SmartPOS apps (Verifone, Ingenico, PAX) and legacy terminals via a simple software update.
Closed-Loop Authorization
Real-time ledger checks validate buyer trade credit balances before issuing an approval code.
Standard Messaging
Familiar transaction messaging, zero disruption to your core clearing and routing systems.
Integration blueprint
Speak the protocol your switch already knows.
Trade credit transactions ride standard 0200/0210 message pairs. Rail metadata lives in private-use fields, so your gateway only needs a BIN-range route to our endpoint.
- 1
Route the BIN
Add IIN 603278 to your routing table, pointing to the Virtual Commerce endpoint.
- 2
Map private fields
Pass rail_type and ledger_id through DE 48 / private-use fields, or our JSON gateway API.
- 3
Push the terminal update
Deploy the SmartPOS app module over your existing TMS. No hardware swap.
- 4
Certify in sandbox
Run the certification suite against our test ledger and go live.
{
"message_type": "0200",
"processing_code": "003000",
"transaction_amount": "000000125000",
"card_entry_mode": "051",
"system_trace_audit_number": "482019",
"primary_account_number": "603278******4921",
"merchant_type": "7399",
"acquiring_institution_id": "442001",
"retrieval_reference_number": "261018482019",
"card_acceptor_terminal_id": "TRADE001",
"card_acceptor_id_code": "MID-99281044",
"private_use_fields": {
"rail_type": "CLOSED_LOOP_TRADE_CREDIT",
"ledger_id": "ledg_tx_8831aef42",
"settlement_currency": "TRADE_CREDIT_USD"
}
}Settlement & ledger transparency
Every credit, hold and settlement, in real time.
Trade credit in circulation
$48.2M
Authorization holds
$1.31M
Settled today
$6.94M
Your residual pool
$84,120
| Time | Ledger ID | Merchant | Amount (TC-USD) | Status |
|---|---|---|---|---|
| 14:52:10 | ledg_tx_8831aef42 | MID-99281044 | 1,250.00 | ● Settled |
| 14:51:47 | ledg_tx_8831aef3c | MID-99281017 | 8,400.00 | ● Hold |
| 14:51:02 | ledg_tx_8831aef1a | MID-99280932 | 312.50 | ● Settled |
| 14:50:38 | ledg_tx_8831aef07 | MID-99281044 | 2,075.00 | ● Settled |
Revenue & monetization
Engineered to shared economics.
We don't bypass the processor. We build the rail for you. Every transaction flows through your switch, and your margin is calculated and settled automatically.
Custom Interchanges
Define custom processing fees on trade credit transactions to match your portfolio goals and merchant tiers.
ISO Residual Alignment
Seamlessly split transaction margins into your existing agent residual systems, no new accounting rails.
Merchant-Funded Incentives
High-margin transaction structures funded directly by corporate sellers capturing new trade credit volume.
Partner earnings calculator
Size your residual.
Drag the rails to size your merchant network and average trade volume. Your residual is calculated live at an effective 80 BPS on every trade credit transaction.
100merchants
Avg. monthly trade volume / merchant
$8,000/ month
Total monthly volume
$800.0K
Monthly residual @ 80 BPS
$6.4K
Annual residual revenue
$76,800
Recurring, compounding revenue, paid into your existing residual pool.
24-month growth trajectory
Capture My ResidualsFormula: merchants × avg monthly volume × 80 BPS. Projection assumes linear merchant growth over 24 months. Illustrative only.
Security & compliance
Bank-grade compliance.
Ironclad ledger security.
Full Tokenization
Card data and trade credit ledger balances are fully tokenized end-to-end, from terminal capture to settlement.
Isolated Settlement
Trade credits move securely inside an isolated, auditable ledger completely segregated from fiat merchant funds.
Turnkey Reporting
Comprehensive daily dashboarding and automated reconciliation files (custom CSV/XML) for smooth back-office operations.
Ready to deploy a modern trade credit rail?
Partner with us to bring alternative closed-loop card acceptance to your merchant network.
partners@tradepayments.tech · tradepayments.tech