PaymentHub vs Invoiced

Invoiced simplifies AR for mid-market teams. PaymentHub builds a payments platform inside your ERP.

This is an honest comparison. We'll tell you where Invoiced wins too.

Book a Payments Blueprint Calculate Fee Savings

Fair Context

Invoiced has built a well-designed accounts receivable automation platform for mid-market companies that need to modernize their invoice-to-cash cycle. The platform covers invoice delivery, online payment acceptance, AutoPay enrollment, payment plan management, and collections follow-up with a clean, buyer-friendly experience. For organizations that need a fast path to getting invoices in front of customers and accepting payments online — without heavy ERP integration requirements or complex payment routing — Invoiced is a practical, quick-to-deploy choice. The architectural distinction is depth of ERP integration and payment infrastructure control. Invoiced connects to your ERP through integration, pulling invoice data and pushing payment updates back through sync. The payment processing runs through Invoiced's payment infrastructure. PaymentHub operates natively within your ERP data model — payments post directly to the general ledger with invoice-level precision at the time of capture. Gateway routing decisions are informed by ERP business rules, and you maintain full control over processor relationships. For finance teams that have outgrown basic AR portal capabilities and need gateway orchestration, AP automation, Level 2/3 fee optimization, virtual terminal functionality, and upgrade-safe customization of posting rules, PaymentHub's architecture delivers the depth that a streamlined AR portal does not.

Feature Comparison

Capability	Invoiced	PaymentHub
ERP Posting Architecture	⚠️ Integration-based — pulls invoice data from ERP, captures payments, pushes updates back through sync	✅ Native GL posting — payments post directly to ERP with invoice-level matching at capture time
Gateway Flexibility	❌ Invoiced-managed payment processing — limited gateway selection and no multi-gateway routing control	✅ Multi-gateway orchestration — route by entity, method, amount, or risk; swap processors without code changes
AR Portal / Invoice Pay	✅ Clean buyer portal with invoice presentment, online payments, AutoPay, and payment plans — a genuine Invoiced strength	✅ Self-service portal with ERP-connected balances, autopay, statements, and payment history
AP Automation	❌ AR-focused platform — no native AP automation capabilities	✅ Vendor payments, approval workflows, and batch processing with native ERP posting
Automated Reconciliation	⚠️ Payment matching supported but reconciliation accuracy depends on ERP integration sync quality	✅ Invoice-level matching with automated GL posting and exception workflows
Level 2/3 Fee Optimization	❌ No native Level 2/3 interchange optimization	✅ Automated Level 2/3 data capture on every qualifying B2B card transaction
Virtual Terminal	⚠️ Manual payment recording available but not a full virtual terminal with ERP-aware invoice matching	✅ Internal payment capture with ERP context — process phone and mail payments with invoice matching
ACH Enablement	✅ ACH payment acceptance supported with AutoPay enrollment	✅ Full ACH automation with bank verification, recurring billing, and ACH-first adoption tools
Surcharge / Convenience Fees	⚠️ Basic convenience fee support — limited compliance automation and configurability	✅ Compliant surcharging with state-level rules engine and ERP-aware fee posting
Collections Automation	✅ Smart Chasing — automated collections follow-up with escalation sequences and tracking	✅ Dunning sequences and collections escalation with ERP posting and exception workflows
Upgrade-Safe Customization	⚠️ Configuration options available — custom posting logic limited to platform capabilities	✅ Hook-based posting rules, routing logic, and fee policies survive every platform update
AI Copilot	❌ No AI-assisted implementation or configuration tooling	✅ AI-assisted ERP mapping, posting configuration, fee analysis, and reconciliation validation

✅ Full support ⚠️ Partial or requires add-on ❌ Not available

Where PaymentHub Goes Further

ERP-Native Posting

Payments post directly to your general ledger with invoice-level precision at the time of capture. No integration sync between payment acceptance and ERP posting — reconciliation is structural, not after-the-fact.

Gateway Orchestration

Connect any gateway, route transactions by entity, payment method, or amount, and swap processors without disruption. Your payment infrastructure is not locked to one provider or managed processing relationship.

Full AP Coverage

Invoiced covers AR. PaymentHub covers both sides of the ledger — AR portal, AP workflows, vendor payment approvals, and batch processing, all with ERP-native posting.

Level 2/3 Fee Optimization

Automated Level 2/3 data capture on every qualifying B2B card transaction reduces interchange fees. For organizations with significant B2B card volume, the annual savings are material and compound across total volume.

Upgrade-Safe Customization

Custom posting rules, fee policies, and routing logic are implemented through versioned hooks that survive every platform update. No configuration loss, no upgrade anxiety, no professional services dependency.

PaymentHub Is the Right Choice If You...

PaymentHub is the better choice when your finance team needs ERP-native payment posting, gateway routing flexibility, AP automation alongside AR, Level 2/3 fee optimization, virtual terminal capabilities, and upgrade-safe customization of posting and fee policies.

Your Path from Invoiced to PaymentHub

Invoiced may be the better choice if your primary need is a fast-to-deploy AR portal for invoice delivery and online payment acceptance, your ERP integration requirements are moderate, and you value simplicity and speed of deployment over deep ERP-native architecture and payment infrastructure control.