PaymentHub
12 Payment Features

Everything you need for ERP-native payments.

Turnkey modules, gateway orchestration, Level 2/3 optimization, and an AI copilot that keeps your ERP upgrades intact.

AR/Collections

AR Customer Portal

Give your customers a branded payment portal with real-time invoice balances, multi-method payment acceptance, autopay enrollment, and payment history — every transaction posts automatically to your general ledger with invoice-level matching.

Customers view real-time invoices and pay on their own terms — card, ACH, or autopay — through a branded portal connected to your ERP. Every payment posts automatically with invoice-level matching. AR teams shift from chasing payments to managing exceptions. DSO drops, portal adoption climbs, and collections become a workflow rather than a manual task.
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AR/Collections

Virtual Terminal

Process phone orders, walk-in payments, and manual transactions with the customer's account, open invoices, credit limits, and posting rules visible during capture — every payment posts automatically with invoice-level matching.

Staff process payments with the customer's account and open invoices displayed in context. Payments apply to specific invoices during capture, post automatically to the correct GL accounts, and appear in the ERP immediately. Phone order processing time drops by 60%, and posting errors from manual data entry are eliminated.
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AR/Collections

AR Automation Workflows

Replace spreadsheet-driven collections with configurable AR workflows: automated dunning sequences, rule-based escalation, real-time aging dashboards, and payment application — all connected to your ERP and customer portal.

Dunning sequences execute automatically based on configurable rules. Overdue accounts escalate through defined tiers without manual intervention. Aging dashboards update in real time from ERP data. AR staff focus on high-value exception accounts rather than routine follow-up, recovering an average of 23% more cash in the first 90 days.
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AP/Vendor

AP Payment Workflows

Automate accounts payable with configurable approval chains, scheduled batch runs, multi-method vendor payments, and real-time status tracking — every disbursement posts to your ERP with full audit trail.

Approval chains execute automatically based on configurable rules. Batch runs process on schedule with exception handling and audit logging. Vendors track payment status in real time. Every disbursement posts to the correct entity and GL accounts automatically. AP processing time drops by 52%, and the complete audit trail satisfies both internal controls and external audit requirements.
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Infrastructure

Automated Reconciliation

Match payments to invoices at the line-item level using AI-powered matching, apply entity-specific posting rules, and route exceptions to a prioritized queue — from 40+ hours of manual reconciliation to under 4 hours monthly.

Payments match to invoices automatically at the line-item level. Posting rules apply per entity without manual intervention. Exceptions route to a prioritized queue with AI-suggested resolution. Monthly reconciliation drops from 40+ hours to under 4 hours. Month-end close accelerates by days. Finance teams see real-time cash position without waiting for batch reconciliation.
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Optimization

Level 2/3 Data Optimization

PaymentHub automatically extracts tax amounts, customer codes, and line-item detail from ERP invoices and submits them with every B2B card transaction — qualifying for the lowest interchange rates without manual data entry.

Level 2/3 data is captured automatically from ERP invoice records on every B2B card transaction — no manual data entry required. Transactions qualify for the lowest available interchange rate category. Fee analytics dashboards show qualification rates, savings over time, and remaining optimization opportunities. Average savings of $23 per transaction compound across every B2B card payment your organization processes.
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Optimization

ACH Enablement

Automated bank verification, one-click portal enrollment, ACH-first pricing incentives, and recurring ACH scheduling — making bank payments the path of least resistance for your B2B customers.

ACH becomes the default payment method for B2B customers. Bank verification is automated, enrollment is one-click from the portal, and pricing incentives make ACH the obvious choice. Recurring ACH scheduling reduces collections effort. Per-transaction processing costs drop from 2.5-3.0% (card) to flat $0.25-$1.50 (ACH). Organizations shifting 40% of card volume to ACH typically save $200,000+ annually.
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Optimization

Surcharge Engine

PaymentHub's surcharge engine manages compliant surcharging and convenience fees with entity-specific rules, state-level compliance, card brand adherence, and designated GL posting — recovering processing costs without legal or customer relationship risk.

Surcharging is compliant by default. The rules engine evaluates state laws, card brand caps, and entity policies for every transaction. Customer disclosures are generated automatically. Surcharge revenue posts to designated GL accounts. Finance teams recover 100% of card processing costs on eligible transactions while maintaining full compliance. Entity-specific fee policies handle the complexity of multi-state, multi-entity operations without manual oversight.
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Infrastructure

Gateway Routing Engine

PaymentHub's gateway orchestration routes payments to any processor based on configurable business rules, supports automatic failover, and lets you add or swap gateways without disrupting ERP posting workflows.

Payments route to the optimal processor for each transaction type, entity, and geography. Adding a new gateway takes hours, not months. Failover ensures zero payment downtime. Fee optimization through intelligent routing reduces processing costs by routing to the lowest-cost processor for each transaction profile. Multi-entity payment operations consolidate into a single orchestration layer.
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Infrastructure

Headless Payment APIs

REST APIs for invoices, payments, refunds, authorizations, and settlement — plus webhooks for real-time event notifications and admin APIs for programmatic management of fee policies, routing rules, and extensions.

Payment capabilities integrate with any existing system via API — with full ERP context including invoices, balances, and posting rules. Gateway changes happen at the routing layer without modifying API integrations. Webhooks trigger real-time workflows for payment events. Development teams build payment experiences in days rather than months because the API handles the ERP integration, gateway routing, and posting complexity.
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Customization

Upgrade-Safe Customization

Before/after hooks around every posting step, policy-driven overrides, and versioned extensions ensure your custom payment logic stays safe through platform upgrades — because in payments, a posting error isn't a bug, it's a financial control failure.

Custom posting rules, fee policies, and routing logic are isolated in versioned extensions that are tested independently of the platform core. Upgrades deploy automatically without affecting custom logic. Every extension execution is logged with input, output, and decision for audit compliance. New platform features and security patches are available immediately without the upgrade fear that blocks most payment platform improvements.
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Intelligence

AI Copilot for Payments

PaymentHub's AI copilot accelerates the most complex and error-prone aspects of payment implementation: generating ERP mapping rules, suggesting fee policies, creating test scenarios, and validating reconciliation integrity — cutting implementation time by 40%.

The AI copilot generates complete configurations from natural language descriptions and chart of accounts structures. Test scenarios cover edge cases that manual testing misses. Implementation time drops by 40%, and post-go-live corrections are rare because the copilot validates configurations against comprehensive test data before deployment. Ongoing, the copilot monitors reconciliation health, suggests optimizations, and assists with configuration changes as the business evolves.
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The PaymentHub Architecture

A composable, layered platform designed for ERP-first payments that adapts without breaking.

1Turnkey Modules
PortalARAPReconciliationVirtual Terminal
2Headless API Layer
Payment APIsAdmin APIsWebhooks
3Extension Layer
HooksPolicy OverridesVersioned Extensions
4AI Copilot
MappingConfigurationFee OptimizationMonitoring
Layers 1–3 ship with every subscription. Layer 4 (AI Copilot) is included on Growth and above.

Ready to see ERP-native payments in action?

Schedule a personalized Payments Blueprint walkthrough and see exactly how PaymentHub maps to your ERP and payment workflows.