Why Acumatica customers add Payment Hub
Use Clarity Payment Hub for Acumatica payment processing and take invoice and order payments on any of 19+ gateways, alongside Acumatica Payments.
It works across Acumatica's editions, from Distribution and Manufacturing to Construction and Retail, and posts every payment to Acumatica in real time.
So can Payment Hub really help with Acumatica payment processing? The answer is absolutely. The reality of payment acceptance on Acumatica today: the native Acumatica Payments layer handles invoice payments and pay-link emails cleanly against a single built-in processor. It does what it does well, but it leaves four gaps that most Acumatica customers feel, especially in Distribution, Manufacturing, Construction, and Retail editions:
- Gateway lock-inAcumatica Payments is a single processor. If you've negotiated pricing with Worldpay, Fortis, PayTrace, PNC, or any other gateway, or if your industry requires a specific acquirer for Level III pricing, the native path doesn't fit.
- Invoice-only, not order-entry paymentNative payment is centered on the AR invoice. Order-entry payments (sales-rep phone orders, deposits on configured-to-order manufacturing, field-service job completion) aren't natively handled.
- No Level III automationCommercial-card B2B customers on Acumatica routinely pay L1 interchange when they could be paying L3, because the 20+ required fields aren't auto-enriched from the Acumatica invoice at submission.
- Limited customer-portal self-servicePay-links work for a single invoice or sales order. A full customer self-service portal (balance, aging, credits, saved methods, autopay, multi-invoice consolidation, subscription management) is a separate build.
Every payment posted to Acumatica in real time
AR automationDunning, statements and autopay on overdue invoices for each branch and company, with recurring billing, scheduled installments and card updates handled for you.
Cash application and payment reconciliationEvery payment, deposit, capture, refund and credit application posts to Acumatica in real time, so cash receipts match the invoices and sales orders they settle.
One payment, applied in Acumatica
- AUTOPAYCharged on an overdue invoice
- PAYMENTCaptured on your gateway
- CASH RECEIPTMatched to the invoice it settles
- BRANCHPosted per branch and company
Deposits and captures on the sales order
B2B payments on orders as well as invoicesReps take deposits and authorizations in the sales-order screen, and captures follow each partial shipment, which suits configure-to-order manufacturing and field-service jobs.
Credit card processing fees and surchargingWhere state law and the card networks permit it, credit card payments on Acumatica invoices can carry a disclosed surcharge, which never applies to a debit card.
A configure-to-order job
- SALES ORDERDeposit taken by the rep
- SHIPMENT 1Partial capture
- SHIPMENT 2Waiting to ship
- SURCHARGEDisclosed where rules allow
A full portal, not one pay-link per invoice
Customer payment portalA full portal with balance, aging, credits, saved methods, autopay and statements, where a pay-link covers one invoice at a time.
ACH paymentsBank payments sit next to cards in the portal and on every pay-link, and land in Acumatica as ordinary payments.
Lower card costs on commercial cards
Level 2 and Level 3 interchangeLine-item data from the Acumatica invoice goes with each eligible commercial card payment, on whichever of 19+ gateways you choose.
Visa CEDPVisa's Commercial Enhanced Data Program now grades that data: since its April 18, 2026 schedule, a commercial card payment whose enhanced data fails validation costs the same as one that sent none. Visa doesn't publish the criteria, so the data comes from the real Acumatica invoice lines.
Card cost controls
- COMMERCIAL CARDLevel III from Acumatica invoice lines
- VISA CEDPLine-item data validated
- DEBIT CARDNever surcharged
Payment Hub vs native Acumatica Payments, what you get with each
Native Acumatica Payments is a capable invoice-payment layer for customers who want the simplest built-in path. Payment Hub is the gateway-agnostic alternative for customers who need more, more gateway options, more payment patterns, more automation, and more visibility. Here's the honest side-by-side.
| Capability | Native Acumatica Payments | Payment Hub on Acumatica |
|---|---|---|
| Gateway / processor choice | ✗ Acumatica Payments, added in 2023 R2 (the Authorize.Net plug-in was retired in 2025) | ✓ 19+ gateways (Worldpay, Adyen, Cybersource, Fortis, PayTrace, Stripe, Braintree, PNC, Elavon, Global Payments, NMI, USAePay, Square, wallets, ACH) |
| Invoice payment (AR-generated) | ✓ Pay-links & QR codes on invoices | ✓ Plus branded customer portal, multi-invoice consolidation, partial-pay, credit application |
| Order-entry payment (sales order) | ~ Pay-link on sales order | ✓ Embedded in sales-order screen for reps. Deposit, auth-only, capture-at-ship, partial-shipment captures |
| Level III interchange optimization | ✗ Depends on the processor setup | ✓ Automatic 20+ field enrichment from Acumatica invoice. |
| Customer self-service portal | ~ Per-invoice pay-link | ✓ Full portal, balance, aging, credits, saved methods, autopay, history, statements, with matching team-facing view |
| Subscription billing (recurring / scheduled / automated) | ~ Recurring via Acumatica's native recurring-invoice modules | ✓ Native recurring + scheduled installments + event-triggered auto-pay. Dunning, Account Updater, proration |
| Multi-branch / multi-company routing | ~ Inherits Acumatica's branch structure, limited MID-per-branch options | ✓ Per-branch MID, tax, GL, and staff role mapping over Acumatica's branch / company structure |
| Counter / card-present acceptance | ✗ Not a POS-first design | ✓ Certified card-present terminals, Tap to Pay on iPhone and Android, ERP customer lookup at the counter |
| AR collections automation (dunning) | ~ Basic overdue notifications | ✓ Full dunning engine with configurable cadence, pay-links in emails, DSO reduction tracking |
| Keep existing merchant account / processor | ✗ Requires migration to Acumatica Payments | ✓ Your existing gateway, merchant account, and negotiated rates carry forward |
The verdict: native Acumatica Payments is the simplest option if you're starting from scratch, have modest volume, don't need B2B L3 optimization, and are comfortable with a single-processor path. Payment Hub is the right fit the moment any of those assumptions break, which is most B2B, multi-location, and mid-market operations on Acumatica.
See it running against your own Acumatica tenant
A 30-minute walkthrough: live Web Services API integration, L3-enriched commercial-card capture, real-time cash application and the customer portal reading your actual data.
Beyond Acumatica Payments
Acumatica runs distributors, manufacturers, contractors and retailers across its industry editions. Acumatica Payments, added in 2023 R2, already puts pay-links and QR codes on invoices through one built-in processor. Integrating Payment Hub with Acumatica keeps those and adds:
Questions
Does Clarity Payment Hub integrate with Acumatica?
Yes. Clarity Payment Hub integrates directly with Acumatica Cloud ERP through Clarity Connect, writing to Acumatica's standard Web Services APIs. Every transaction, invoice payment, order payment, deposit, authorization, capture, refund, credit application, posts to Acumatica in real time. Customer records, invoice records, sales order records, and cash receipt records stay as the single source of truth in your Acumatica tenant.
How is this different from Acumatica's native Acumatica Payments?
Acumatica Payments is a single native processor baked into the Acumatica platform. Clarity Payment Hub is gateway- and processor-agnostic, it integrates Acumatica with any of 19+ supported gateways (Worldpay, Adyen, Cybersource, Global Payments, Elavon, Fortis, PayTrace, Nuvei, PNC Merchant Services, Stripe, Braintree, Authorize.Net, NMI, USAePay, Square, PayPal, Apple Pay, Google Pay, Amazon Pay) plus ACH / eCheck.
Can we keep our existing payment gateway when we add Payment Hub?
Yes. That's the point. Payment Hub is gateway- and processor-agnostic, you pick whichever of the 19+ supported gateways fits your pricing, your vertical, and your existing merchant relationship. If you're currently running Authorize.Net (the plug-in Acumatica retired in 2025), Payment Hub continues that integration smoothly. If you're on Worldpay, Fortis, PayTrace, Stripe, or any of the others, Payment Hub fits.
Does Payment Hub handle Acumatica's multi-branch and multi-company structures?
Yes. Acumatica's native multi-branch and multi-company organizational structures map directly into Payment Hub's location routing table. Each Acumatica branch / company / warehouse can have its own merchant ID (or share a single MID), its own tax jurisdiction, its own GL account for cash receipts, and its own staff role scope.
What's the implementation timeline?
A typical Payment Hub + Acumatica integration goes live in 48 hours once Clarity receives your Acumatica sandbox credentials, your gateway credentials, and your baseline routing configuration (which Acumatica branches / companies / tax jurisdictions map to which merchant accounts). Because the integration uses Acumatica's standard Web Services APIs rather than custom ERP modifications, there's no schema change, no Acumatica-side custom code to maintain, and no version lock.
Related resources
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