Self-service invoice payments that reduce DSO by up to 35% — connected directly to your ERP.
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.
The Problem This Solves
Before PaymentHub
AR teams chase payments manually via phone and email while customers lack self-service options. Cash sits uncollected, DSO climbs past 45 days, and staff time is consumed by repetitive collection activities that could be automated. Customers who want to pay have no convenient digital channel, creating friction that delays cash collection unnecessarily.
With PaymentHub
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.
How It Works
Real-Time Invoice Presentment
The portal displays invoices pulled directly from your ERP in real time — open balances, due dates, terms, and line-item detail. Customers see exactly what they owe with the ability to drill down to individual invoice lines, view applied credits, and check payment terms. There is no batch synchronization delay; when an invoice is posted in your ERP, it appears in the portal immediately. This eliminates the disputes that arise when customers see stale data, and it reduces the inbound inquiry volume that AR teams handle daily. For multi-entity operations, customers see only the invoices relevant to their account and entity, with consolidated views available for parent accounts managing multiple locations.
Multi-Method Payment Acceptance
Accept credit card, ACH, wire, and autopay enrollments through a single portal interface. Each payment method routes through PaymentHub's gateway orchestration layer, meaning the optimal processor handles each transaction type without the customer needing to know or care about the routing logic behind it. Card payments capture Level 2/3 data automatically for interchange optimization. ACH payments verify bank accounts through instant or micro-deposit methods. The portal presents payment methods in a configurable priority order — organizations encouraging ACH adoption can feature ACH prominently with fee incentive messaging, while maintaining card acceptance for customers who prefer it.
Autopay Enrollment and Management
Customers enroll in autopay with configurable rules — pay on due date, pay weekly, pay when balance exceeds a threshold, or pay on a fixed schedule. Enrollment reduces collections effort to near zero for participating accounts, and average autopay adoption rates reach 28% within six months of portal launch. The portal provides transparent autopay management: customers can view upcoming scheduled payments, modify their payment method, adjust their autopay rules, or pause enrollment temporarily. AR teams monitor autopay enrollment rates and can trigger targeted enrollment campaigns for high-value accounts that have not yet adopted automatic payments.
Payment History and Statement Access
Complete payment history with downloadable PDF statements, payment receipts, and transaction records. Customers access their full payment timeline without calling AR, reducing inbound inquiry volume by an average of 42%. Statements are generated from ERP data, ensuring consistency between what the customer sees in the portal and what AR sees in the accounting system. For audit and compliance purposes, all payment receipts include transaction reference numbers, posting confirmation, and payment method details.
White-Label Branding and Segmentation
The portal supports complete white-label branding: custom logos, color schemes, domain mapping, and layout configuration per customer segment or entity. Distribution companies running multiple brands present each customer group with a portal experience that matches their business relationship. The portal layout, payment method presentation order, messaging, and promotional content are all configurable through the admin interface without developer involvement. PaymentHub's AI copilot generates portal variants and content blocks optimized for different customer segments based on their payment behavior patterns.
Architecture & Integration Notes
The AR Portal uses before/after hooks on the payment submission flow for custom validation, fee application, and posting rule injection. A policy override controls payment method presentation order and availability per customer segment. Invoice data is fetched from the ERP via the integration connector at request time — no cached invoice store exists. Portal sessions are secured with configurable authentication (SSO, MFA, or standard credentials), and all payment interactions are logged with full audit trail. The portal is available as a hosted standalone experience or as API-integrated components via the Headless Payment APIs.
AI Copilot for AR Customer Portal
The AI copilot generates portal UI variants and content blocks for different customer segments based on payment behavior analysis. It suggests autopay enrollment messaging optimized for conversion, recommends payment method presentation order based on transaction cost analysis, and creates customer communication templates for portal launch campaigns. During initial setup, the copilot analyzes your ERP customer data to propose segmentation rules and predict portal adoption rates by account tier.
AI Copilot — Available on Growth & Enterprise Plans
AI Copilot reduces implementation time for ar customer portal 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 AR Customer Portal 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 | Manual phone and email follow-ups consuming 30+ hours monthly | Self-service portal with autopay — AR handles exceptions only |
| Area 2 | 45-60+ days with inconsistent collection cadence | 28-35 days with automated reminders and convenient payment options |
| Area 3 | Call AR to get invoice details, mail a check, wait for confirmation | View invoices, pay by card or ACH, enroll in autopay — all self-service |
| Area 4 | 200+ inbound calls and emails monthly for balance and receipt requests | 42% reduction through self-service statement and receipt access |
Related Features
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.
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.
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.
Frequently Asked Questions — AR Customer Portal
Get your tailored implementation plan.
Our Payments Blueprint call delivers a written implementation roadmap specific to your ERP, your team, and your timeline.