Gateway
Stripe
Payment Layer
PaymentHub
PaymentHub + Stripe: Route payments through Stripe for card, ACH, and wire processing while PaymentHub handles invoice matching, GL posting, and reconciliation directly in your ERP.
PaymentHub's Stripe integration connects Stripe's full-stack payment processing to your ERP's general ledger with automated posting, invoice-level reconciliation, and fee optimization.
Supported Payment Methods
Routing Rules & Orchestration
Route card transactions to Stripe while directing ACH to a separate processor for lower fees
Split routing by entity — Stripe for US entities, regional processors for international
Failover routing — if Stripe is unavailable, automatically route to backup gateway
Amount-based routing — transactions above threshold route to Stripe for enterprise rate tiers
Method-based routing — card transactions through Stripe, ACH through dedicated ACH provider
Fee Optimization
Level 2/3 Data Enrichment Supported
PaymentHub automatically enriches transactions through Stripe with Level 2 and Level 3 line-item data, qualifying B2B card transactions for lower interchange rates. Most merchants save 30-60 basis points per transaction.
PaymentHub captures and transmits Level 2 data (customer code, tax amount) and Level 3 data (line-item detail, commodity codes, unit costs) on every qualifying B2B card transaction processed through Stripe. This data submission enables interchange downgrades from standard commercial card rates to Level 2/3 rates, typically reducing interchange costs by 0.40-0.90% per transaction. PaymentHub also identifies ACH-eligible customers and supports ACH-first policies that shift volume from card to ACH for additional savings. The fee analysis copilot monitors Stripe statement data to identify further optimization opportunities.
Gateway Setup
Create Stripe account or connect existing Stripe account via OAuth with PaymentHub application permissions
Configure Stripe API keys (publishable and secret) in PaymentHub gateway settings with test/live mode toggle
Set up Stripe webhook endpoint in PaymentHub for real-time payment event processing (payment_intent.succeeded, charge.refunded, etc.)
Configure Level 2/3 data capture rules for B2B card transactions — customer code mapping, tax amount source, line-item detail scope
Define routing rules — which payment methods, entities, or transaction types route through Stripe vs. other gateways
Execute end-to-end test transactions across card, ACH, and wire methods, verifying ERP posting for each
Security & Compliance
PCI DSS Level 1 certified — Stripe handles all cardholder data; no card numbers enter PaymentHub or your ERP
Stripe.js and Elements for client-side tokenization — card data never touches your servers
TLS 1.2+ encryption for all API communication between PaymentHub and Stripe
Stripe Radar for real-time fraud detection and risk scoring on every transaction
Ready to add Stripe to your payment stack?
Get a personalized routing analysis that shows how PaymentHub orchestrates transactions across your gateways for maximum savings.
Other Payment Gateways
Braintree
Process card, PayPal, Venmo, and ACH payments through Braintree while PaymentHub automates invoice matching, GL posting, and multi-method reconciliation in your ERP.
Adyen
Process payments across 150+ currencies and 250+ payment methods through Adyen's single-platform architecture while PaymentHub automates multi-entity ERP posting and cross-border reconciliation.
Heartland (Global Payments)
Route B2B card transactions through Heartland for Level 2/3 interchange optimization while PaymentHub handles invoice matching, GL posting, and automated reconciliation in your ERP.
Frequently Asked Questions -- Stripe
Optimize every transaction across every gateway.
Our Payments Blueprint call includes a live routing analysis and delivers a custom gateway orchestration plan for your payment stack.