Integrate ERP-connected payment capabilities into any portal, app, or workflow via API.
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.
The Problem This Solves
Before PaymentHub
Existing customer portals and internal applications need payment capabilities, but rebuilding them on a payment platform isn't feasible. Standalone payment widgets don't understand ERP context — invoices, balances, terms, and posting rules. API-based payment integrations are typically gateway-specific, meaning any future gateway change requires rewriting the integration. Payment events that should trigger ERP workflows are handled through batch processes or manual monitoring.
With PaymentHub
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.
How It Works
Payment Lifecycle APIs
REST APIs covering the complete payment lifecycle: invoice retrieval (with real-time ERP data), payment initiation, authorization, capture, refund, void, settlement status, and transaction history. Each endpoint includes the ERP context — when you retrieve an invoice via API, you get the real-time balance, terms, due date, and line-item detail from the ERP, not from a cached data store. Payment initiation through the API triggers the same gateway routing, fee evaluation, Level 2/3 data capture, and posting pipeline as portal and virtual terminal payments. API responses include posting confirmation with GL entry details, giving the consuming application visibility into the ERP impact of each transaction.
Real-Time Webhooks
Configurable webhooks deliver real-time notifications for payment events: payment.completed, payment.failed, payment.refunded, dispute.opened, dispute.resolved, posting.confirmed, posting.failed, reconciliation.exception, and autopay.enrolled. Each webhook includes the full event payload with transaction details, customer information, and ERP posting reference. Webhooks enable real-time workflow triggers in external systems — for example, sending a Slack notification when a high-value payment posts, creating a CRM activity when a dispute is opened, or triggering an ERP workflow when reconciliation flags an exception. Webhook deliveries include retry logic with configurable retry schedules and failure alerting.
Admin and Configuration APIs
Programmatic management of PaymentHub configuration: fee policies, routing rules, surcharge settings, portal configurations, and extension management. Admin APIs enable DevOps workflows for payment configuration — version-controlled configuration deployed through CI/CD pipelines rather than manual admin interface changes. This is critical for organizations with multiple entities where configuration changes must be deployed consistently and auditably. Admin APIs also enable programmatic customer onboarding: creating customer payment accounts, configuring entity-specific settings, and provisioning portal access through automated workflows.
Integrated Payment Widgets
Pre-built, drop-in payment widgets with configurable styling for integrating payment capabilities into existing web portals and applications. Widgets include: payment form (card and ACH entry), invoice list with pay selection, payment history, and autopay enrollment. Widgets are rendered as iframes or web components, inheriting the host application's styling through configurable CSS variables. The widget handles PCI compliance by keeping card data within the secure widget scope — the host application never touches sensitive payment data. Widget integration requires minimal development effort: embed a script tag, configure the widget with an API key and customer context, and payment capabilities are live.
Architecture & Integration Notes
The API layer is the foundation of PaymentHub's architecture — the portal, virtual terminal, and all internal workflows consume the same APIs that external integrations use. This "API-first" design ensures feature parity between the built-in UI and API-driven experiences. Authentication uses API keys with configurable scopes (read-only, payment initiation, admin operations) and supports both server-to-server authentication and customer-context tokens for client-side widget integration. Rate limiting, request logging, and error handling follow enterprise API standards. The API is versioned, with backward-compatible changes deployed without breaking existing integrations and major versions supported in parallel during migration periods.
AI Copilot for Headless Payment APIs
The AI copilot generates integration code samples tailored to your tech stack, creates webhook handler templates for common workflow scenarios, and assists with API testing by generating test transaction payloads that cover edge cases. During implementation, the copilot reviews your integration code for common errors, validates webhook configurations, and suggests optimal API usage patterns for your specific use case. For admin API workflows, the copilot generates configuration deployment scripts and validates configuration changes before they are applied to production.
AI Copilot — Available on Growth & Enterprise Plans
AI Copilot reduces implementation time for headless payment apis by automatically generating field mappings, test datasets, and validation scripts based on your ERP schema — so your team can ship faster without writing repetitive configuration code.
Ready to see Headless Payment APIs in action?
Book a Payments Blueprint call and get a live walkthrough tailored to your ERP and payment requirements.
Before & After PaymentHub
| Area | Before | After PaymentHub |
|---|---|---|
| Area 1 | Gateway-specific API integration that must be rewritten to switch processors | Gateway-agnostic API — routing changes happen behind the API without code changes |
| Area 2 | Payment widgets operate without invoice, balance, or posting context | Every API response includes real-time ERP data and posting confirmation |
| Area 3 | Batch polling or manual monitoring for payment events | Real-time webhooks trigger workflows instantly on payment events |
| Area 4 | Months to build payment integration with ERP posting and reconciliation | Days to integrate payment capabilities via pre-built APIs and widgets |
Related Features
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.
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.
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.
Frequently Asked Questions — Headless Payment APIs
Get your tailored implementation plan.
Our Payments Blueprint call delivers a written implementation roadmap specific to your ERP, your team, and your timeline.