EBizCharge

What EBizCharge does

EBizCharge is a payment processing platform that operates as a DBA of Integra Capital Group, Inc. (also doing business as Century Business Solutions), headquartered in Irvine, California. Founded in 2004, the company provides embedded payment acceptance, recurring billing, and back-office integration services to more than 40,000 customers and 400,000 users across the United States and Canada. Its core technical differentiator is a native integration layer spanning more than 100 ERP, accounting, CRM, and eCommerce systems, including SAP, Oracle NetSuite, Microsoft Dynamics, Sage, Salesforce, Intuit QuickBooks, and industry-specific platforms such as PDI Enterprise (petroleum distribution) and Dentma (dental). Certified partnerships with SAP and an Oracle Gold Partnership, plus a Salesforce AppExchange listing, anchor its channel distribution. Underwriting and acquiring capacity is provided through multiple ISO sponsor bank relationships, including Wells Fargo, Pathward, PNC, and Synovus.

Name

EBizCharge

Legal name

Integra Capital Group, Inc.

Website

https://ebizcharge.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Embedded Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

akta.pro secondary industries

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), A2A Bill Pay & eInvoicing (Open Banking Enabled) (FSAMAFAL), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

Keywords

• Embedded payment processing
• B2B payment processing
• Accounts receivable automation
• ERP payment integration
• Merchant services

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Payment Processing - Transaction Fees: Primary revenue from transaction fees charged on credit card, debit card, and ACH/eCheck payments processed through the platform. Offers flat rate pricing, interchange-plus pricing, and tiered pricing models. Transaction fees vary by card type, transaction category, and pricing plan chosen by merchant.
2. Recurring Billing Subscriptions: Revenue from subscription billing features for automated recurring payments tied to invoices or subscriptions. Includes Auto Pay for fixed or variable recurring payments.
3. Hardware Sales: EMV terminals, card readers, and mobile payment hardware sold to merchants for in-person payment acceptance.
4. Professional Services: Setup, onboarding, training, and implementation services for enterprise merchants requiring customized integration support.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels6 records

Core offering

EBizCharge provides an embedded B2B payment processing platform that natively integrates into 100+ ERP, accounting, CRM, and eCommerce systems (NetSuite, Sage, QuickBooks, Acumatica, SAP, Microsoft Dynamics, etc.) to accept credit card, debit card, and ACH/eCheck payments. The platform automates accounts receivable workflows, syncs payment data directly into the customer's back-office system, and bundles Level 2/3 B2B processing, fraud prevention, and PCI-compliant tokenization. It serves 20,000+ businesses across multiple industries including manufacturing, healthcare, government, and retail.

Product overview

EBizCharge is a unified embedded payments platform that combines payment processing, accounts receivable automation, and fraud prevention into a single integrated solution. The platform's core offerings include Credit Card Processing, eCheck/ACH Processing, and AR Automation, which work together through the Embedded Payments integration layer built natively into 100+ ERP, accounting, CRM, and eCommerce systems. Supporting modules include Email Pay, Customer Payment Portal (Bill Pay Portal), Auto Pay, Recurring Billing, Mobile Pay, Payment Links, Surcharge, eCommerce, EMV Terminals, Virtual Terminal, Advanced Reporting, Merchant Account, Payment Gateway, Hosted Checkouts, MOTO Payments, and Saved Cards. The platform also includes fraud prevention features (tokenization, encryption, 3D Secure) and supports Level 2/3 processing for B2B transactions. The architecture enables payments to post directly inside the business systems companies already use, with no redirects, iframes, or tab-switching.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Processing Acceptance of credit and debit card payments for B2B merchants, natively posted back into the customer's ERP/accounting system with Level 2/3 rate optimization available.
• eCheck (ACH) Processing Acceptance of electronic check and ACH bank transfer payments for businesses, integrated into supported ERP/accounting platforms to reduce transaction fees relative to card payments.
• Embedded Payments Embedded payment acceptance layer offering native integration into 100+ ERP, accounting, CRM, and eCommerce systems with APIs and SDKs for custom integration.
• AR Automation Automated accounts receivable workflows including invoicing, recurring billing, customer self-service portals, scheduled payments, and collections, designed to shorten DSO for B2B merchants.
• Payment Gateway Cloud-hosted payment gateway providing tokenization, hosted checkout pages, recurring billing engine, and developer APIs for processing card and ACH transactions.
• Merchant Account Underlying merchant account required to accept credit card and ACH payments, bundled with EBizCharge processing services.
• EMV Terminals (Hardware) PCI- and EMV-certified countertop and point-of-sale terminal hardware for in-person card acceptance.
• Virtual Terminal Web-based virtual terminal that allows merchants to key in card-not-present (MOTO) transactions from any browser.

Quantifiable outcome

• Average DSO reduced from 45 days to 5 days (Queue Associates customer case)
• +3 more outcomes

Named customers9 records

Segments8 records

Ideal customer profiles3 records

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration102 records

Feature10 records

Partnerships

20 partnerships are on record, tiered core, key and minor.

• Oracle NetSuitecoreTechnology or IntegrationOracle Gold Partner with native NetSuite ERP payment integration. Payments can be posted directly inside NetSuite with automated revenue recognition and reconciliation. Deep integration with SuiteCommerce for unified eCommerce and ERP payments.
• Intuit (QuickBooks)coreTechnology or IntegrationIntuit Developer Partner with native QuickBooks Desktop and QuickBooks Online payment integrations. Mobile app to create orders and invoices directly in QuickBooks with automatic sync.
• Adobe Commerce (Magento)coreTechnology or IntegrationAdobe Commerce Partner and Magento Certified Developer with certified integration supporting both Magento 1 and Magento 2 installations. Streamlines eCommerce payments with automated order-to-cash workflows.
• SalesforcecoreTechnology or IntegrationSalesforce AppExchange Partner. Sync payment processing data between Salesforce payments and accounting systems. Enables payment collection during sales calls and automated billing.
• Microsoft DynamicscoreTechnology or IntegrationMicrosoft Partner with certified integrations for Dynamics AX, Business Central, CRM, Finance & Operations, GP, NAV, and SL. Process payments natively in Microsoft Dynamics with EMV support.
• SagecoreTechnology or IntegrationSage Certified Development Partner with integrations for Sage 50, Sage 100, Sage 500, Sage BusinessWorks, and Sage Intacct. No module cost for features, implementation, or integrated terminals.
• SAPcoreTechnology or IntegrationSAP Certified Integration and SAP Silver Partner with native integrations for SAP Business One (Cloud and HANA), SAP ECC. No module cost for SAP Business One implementations.
• EpicorcoreTechnology or IntegrationEpicor Users Group Gold Vendor with longstanding integrations for Epicor 9, Epicor 10, and Epicor Kinetic. Mature integration with enterprise feature set for manufacturing and distribution workflows.
• AcumaticacoreTechnology or IntegrationCertified Application and Development Partner with 10+ years of seamless Acumatica integration. Features include Native Payment Integration, Email Pay, Customer Portal, Mobile Pay, Recurring Billing, and EMV.
• BigCommercekeyTechnology or IntegrationBigCommerce Partner with payment gateway integration for PCI-compliant checkout and automated accounts receivable synchronization for eCommerce transactions.
• WooCommercekeyTechnology or IntegrationWooCommerce Partner with payment gateway integration for WordPress eCommerce payments with secure checkout and automated order management.
• ZohokeyTechnology or IntegrationZoho Partner with integrations for Zoho Books, Zoho CRM, Zoho Inventory, and Zoho Invoice. Sync invoices to self-service bill pay portal with automated invoice matching.
• OdookeyTechnology or IntegrationOdoo Partner with integrations for Odoo Community, Odoo Enterprise, Odoo ERP, and Odoo CRM. Includes Auto Pay and email customer payment reminders.
• Sana CommercekeyTechnology or IntegrationSana Commerce integration for Microsoft Dynamics F&O with Level 3 processing, saved cards & tokenization, and real-time pricing/inventory sync for B2B eCommerce.
• PDI EnterprisekeyTechnology or IntegrationCertified Partner with verified integration for petroleum retailers and convenience store operators. Accept credit card, debit card, and ACH payments directly within PDI Enterprise with real-time transaction synchronization.
• LendicaminorStrategic or Co-development PartnerLendica partnership offering easy cashflow and lending options to help business customers access financing through the EBizCharge platform.
• Wells Fargo Bank N.A.coreOthersEBizCharge is a registered Independent Sales Organization of Wells Fargo Bank N.A., Concord, CA. Provides banking/merchant account services infrastructure.
• Pathward, N.A.coreOthersEBizCharge is a registered Independent Sales Organization of Pathward, N.A., Sioux Falls, SD. Provides banking/merchant account services infrastructure.
• PNC Bank, N.A.coreOthersEBizCharge is a registered Independent Sales Organization of PNC Bank, N.A., Pittsburgh, PA. Provides banking/merchant account services infrastructure.
• Synovus Bank, N.A.coreOthersEBizCharge is a registered Independent Sales Organization of Synovus Bank, N.A., Columbus, GA. Provides banking/merchant account services infrastructure.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Versapay: Versapay provides accounts receivable automation and embedded B2B payments, with native ERP/accounting integrations. Directly comparable to EBizCharge on AR automation, customer payment portals, and invoice-to-cash workflow consolidation.
• Stax by Fattmerchant: Stax is a subscription-based payment processor offering interchange-plus pricing for SMB and mid-market merchants. Comparable to EBizCharge on transparent B2B pricing, integrated payment tools, and merchant services positioning.
• Bill.com: Bill.com is a leading B2B payments and AR/AP automation platform serving SMBs and mid-market. It competes directly with EBizCharge on invoice-to-cash workflows, automated bill pay, and embedded payment processing, particularly for accounting system integrations.
• Helcim: Helcim is a payment processor that, like EBizCharge, emphasizes transparent interchange-plus pricing and serves SMB and mid-market merchants. Comparable on pricing model philosophy, multi-channel acceptance, and direct merchant onboarding.
• PaySimple: PaySimple provides payment processing and AR automation solutions for SMBs, with recurring billing, invoicing, and online payment acceptance. Directly comparable to EBizCharge on the SMB end of the spectrum for bundled payment and billing software.
• Paymentus: Paymentus is an EBPP (electronic bill presentment and payment) platform serving billers and enterprises. Comparable to EBizCharge on bill pay portal functionality, recurring billing, and customer self-service payment experiences.
• North American Bancard: North American Bancard is a payment processor and ISO serving merchants of all sizes with interchange-plus and flat-rate options. Directly comparable to EBizCharge as a mid-market focused merchant services provider with multi-bank acquiring relationships.

Broad incumbents

• Stripe: Stripe is a broad global payment platform with developer APIs, embedded payments, and ERP/accounting integrations. While EBizCharge focuses on B2B/ERP-embedded, Stripe competes at the broader payment processing layer and increasingly in AR automation.
• Fiserv (Clover): Fiserv is a large financial technology and merchant services incumbent operating Clover POS and processing infrastructure. Broad incumbent competitor across payment processing, merchant services, and integrated commerce capabilities overlapping with EBizCharge.
• Block (Square): Block operates Square for merchant payments and has expanded into AR and B2B tools. Broad incumbent with comparable merchant services, hardware, and embedded software capabilities relevant to EBizCharge's SMB and mid-market segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/EBizCharge
• Facebookfacebook.com/EBizCharge

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EBizCharge