B2B Payment Optimization

How Businesses Can Save More Than 30% in Processing Costs

In a Nutshell

Most merchants don’t realize how much they’re overpaying in processing fees. In this episode of ChargeForward Conversations, Chargebacks911’s Jarrod Wright sits down with Dustin Magaziner, CEO at PayBright, to discuss how B2B merchants can leverage interchange optimization to dramatically lower costs, and how recent Visa changes are reshaping who qualifies for those savings.

Key Takeaways:

Why many B2B merchants are still paying 30–40% more than they should in processing fees

The difference between B2B, B2C, and B2G payment structures—and what it means for your bottom line

How Level 2 and Level 3 data enable deep fee reductions through interchange optimization

What Visa’s CEDP rollout means for merchants and agents—and how to avoid losing your discount rates

Common mistakes processors make that block merchants from qualifying for lower interchange rates

Simple steps to confirm whether your business is set up to receive optimization benefits

Meet Our Speakers:

Dustin Magaziner

Dustin Magaziner

CEO,
PayBright

Jarrod Wright

Jarrod Wright

VP of Marketing,
Chargebacks911

Episode Summary:

Dustin Magaziner built PayBright from his college dorm room into one of the fastest-growing payment companies in the U.S., now serving more than 15,000 merchants. In this discussion, he breaks down how education, data accuracy, and system setup determine whether merchants qualify for lower interchange rates—and why the stakes have never been higher.

From overlooked data fields to “dummy” transactions that no longer pass Visa’s validation, Dustin outlines what’s changing and how merchants can stay ahead. Whether you’re a payment professional, a merchant services agent, or a B2B merchant looking to save thousands per month, this episode explains how to stop overpaying for every transaction and future-proof your payment operations.

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