EBizCharge
- Company typePrivate
- Founded2004
- HeadquartersIrvine, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
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.
EBizCharge firmographics
Firmographics- 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
EBizCharge industry classification
Industry- 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
Where EBizCharge is headquartered
LocationHeadquarters
- HQ city
- Irvine
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
EBizCharge business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- 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.
- 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.
- Hardware Sales: EMV terminals, card readers, and mobile payment hardware sold to merchants for in-person payment acceptance.
- Professional Services: Setup, onboarding, training, and implementation services for enterprise merchants requiring customized integration support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Interchange-Plus Pricing - Most transparent and cost-effective for most merchants |
| Transaction based/ take rate | Monthly | Flat Rate Pricing - Predictable costs for stable businesses |
| Transaction based/ take rate | Monthly | Tiered Pricing - Simple but potentially costly |
| Transaction based/ take rate | Annual | Enterprise Custom Pricing |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels6 records
EBizCharge product offering
Product offeringCore 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
Companies that use EBizCharge
Customer profileNamed customers9 records
Segments8 records
Ideal customer profiles3 records
EBizCharge technology and API
TechnologyAPI detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration102 records
Feature10 records
EBizCharge partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core, key and minor.
- Oracle NetSuitecoreOracle 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)coreIntuit 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)coreAdobe 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.
- SalesforcecoreSalesforce AppExchange Partner. Sync payment processing data between Salesforce payments and accounting systems. Enables payment collection during sales calls and automated billing.
- Microsoft DynamicscoreMicrosoft 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.
- SagecoreSage 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.
- SAPcoreSAP 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.
- EpicorcoreEpicor 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.
- AcumaticacoreCertified 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.
- BigCommercekeyBigCommerce Partner with payment gateway integration for PCI-compliant checkout and automated accounts receivable synchronization for eCommerce transactions.
- WooCommercekeyWooCommerce Partner with payment gateway integration for WordPress eCommerce payments with secure checkout and automated order management.
- ZohokeyZoho 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.
- OdookeyOdoo Partner with integrations for Odoo Community, Odoo Enterprise, Odoo ERP, and Odoo CRM. Includes Auto Pay and email customer payment reminders.
- Sana CommercekeySana Commerce integration for Microsoft Dynamics F&O with Level 3 processing, saved cards & tokenization, and real-time pricing/inventory sync for B2B eCommerce.
- PDI EnterprisekeyCertified 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.
- LendicaminorLendica partnership offering easy cashflow and lending options to help business customers access financing through the EBizCharge platform.
- Wells Fargo Bank N.A.coreEBizCharge is a registered Independent Sales Organization of Wells Fargo Bank N.A., Concord, CA. Provides banking/merchant account services infrastructure.
- Pathward, N.A.coreEBizCharge is a registered Independent Sales Organization of Pathward, N.A., Sioux Falls, SD. Provides banking/merchant account services infrastructure.
- PNC Bank, N.A.coreEBizCharge is a registered Independent Sales Organization of PNC Bank, N.A., Pittsburgh, PA. Provides banking/merchant account services infrastructure.
- Synovus Bank, N.A.coreEBizCharge 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
EBizCharge competitors and assessment
Company assessmentDirect 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
EBizCharge social profiles
Digital presenceEBizCharge compliance and trust
Trust signalCompliance2 records
EBizCharge financial estimates
Financial estimateRevenue estimate
Valuation estimate
EBizCharge leadership team
Management profileNumber of profiles
EBizCharge funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EBizCharge M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EBizCharge
What does EBizCharge do?
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.
Is EBizCharge a public or private company?
EBizCharge is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was EBizCharge founded?
EBizCharge was founded in 2004. It employs 101 to 250 people.
Where is EBizCharge based?
EBizCharge is headquartered in Irvine, United States, in the North America region.
How does EBizCharge make money?
Four revenue lines are on record. Payment Processing - Transaction Fees are the primary driver. The others are recurring Billing Subscriptions, hardware Sales and professional Services.
Who are EBizCharge's main competitors?
Direct peers on record are Versapay, Stax by Fattmerchant, Bill.com, Helcim, PaySimple, Paymentus and North American Bancard. Broad incumbents are Stripe, Fiserv (Clover) and Block (Square).
Does EBizCharge have an API?
Yes. EBizCharge provides APIs, SDKs, and webhooks for embedding payments into custom systems. Available at developer.ebizcharge.net/docs/ for EBizCharge Connect API and paymentengine.ebizcharge.net/ for EBizCharge EMV API. Supports real-time data synchronization between payment activity and financial systems. Developer documentation is at developer.ebizcharge.net/docs.
What industry is EBizCharge in?
EBizCharge's product category is Embedded Payment Processing. Its primary akta.pro industry code is FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation, with a secondary code of FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions. Its NAICS code is 522320 and its SIC code is 6199.