Professional Services, Businesses, Independent Contractors, B2B, Recurring Payments, and more..
Modern Payment Technology Has Arrived
More than a payment-processing tool, Our merchant virtual terminal is an entire payments ecosystem custom-built to your needs. From billing and collections to sales tracking to customer engagement and retention, you’ll find everything you need to run your business your way!
Your Cloud-Based Payment Platform
Our Merchant Xchange Virtual payment platform offers multiple product solutions so you can optimize and run your business, your way. Robust, simple to use, and built for you… Explore
our entire suite of solutions or browse them according to your specific needs.
One of the most powerful payment platforms available, now has more to love. Our Virtual terminal is not just a gateway— it comes standard with our "Priority Program" merchant account and includes these great features:
DASHBOARD
Get a better sense of your business with the Merchant Dashboard. View daily payments in real-time or breakdown payments to see what’s most popular at your business over time. Keep track of your customers’ spending habits, profitable clients and find out how much your average customer spends.
QUICK PAY
Process Credit Card, Cash and/or Checks in one fast transaction with QuickPay.
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REPORTING
Comprehensive transactional and financial reports provide a clearer understanding of your business:
Deposits Charge Backs Monthly Merchant Statements Settlement Access Log
SETTINGS
Create defaults and set preferences for: Payments, Customers, Loss prevention, receipts, notifications, team members and compliance.
ONLINE PAYMENT LINKS
Make getting paid via your website a breeze with our payments links. Just add our custom data fields to your website, you’ll be ready to take payments in seconds! Your customers will receive email receipts immediately after every transaction.
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Free On-The-Go Mobile App.
Free Mobile app to accept payments right from your Apple/Android phone. Our easy to use application that
allows you to accept mobile card payments (with or without a card reader) and with optional gratuity.
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Free Access To Our Virtual Terminal With Every Account
Easy To Use Dashboard.
Quick Pay Options.
Express Mobile App
Customizable Settings.
Rich Documents and Reports.
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And Much More.
Accept Payments. Manage Inventory.
Process Orders. Go Mobile.
We set ourselves apart from the rest based on the powerful, customized payment tools made to set your business apart from the rest.
Payment Options
From simple payments to complete order tracking and invoicing, we offer a variety of ways to get paid.
Quick Pay is FREE for any of our merchants. Our Quick Pay solution offer merchants a simple no-cost solution to accept payments. allows you to start accepting payments right away via cash, card and check.
Need a bit more? Our Merchant terminal accommodates complete orders including customers, inventory, shipping and returns with split tender payments. Is there already an open balance? Our Merchant terminal provides a ‘Pay Now’ option within email that allows customers to make a convenient, secure card payment.
Personalized Inventory Management
Since every business need is different, our system allows you to customize inventory or stock with our specialized management tools. Our Merchant software will not only handle your point-of-sale needs, it handles all inventory needs from onboarding to tracking, from simple to complex inventory. Track suppliers, create purchase orders, transfer inventory between locations, and manage numbers on what is and what is not selling, all from our customized system.
Customer Database
No Cost customer database. Capturing information about your customers isn't easy, especially when it comes to payments and history. With our Merchant virtual terminal platform it is all in one place for you.
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Create unlimited customers and add them to different categories. Save multiple payments per customer-stores in our customer vault. Search
order history, add notes for specific customers needs, check for promotions or discounts used, analyze customer spending, create custom data fields for addresses, birthdays, emails, phone numbers and more...
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Rich Robust Reporting
No Cost reporting. Smart merchants know an efficient back office reporting is critical to success. Our Merchant terminal software handles back office functions like payments, inventory, rewards, and order management from a single, beautifully designed web app-virtual terminal.
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See transactions and deposits reports to see what is funded. View forecast payable reports and past due reports.
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View all payments and customer reports, Search by name transaction, day, etc..
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Reports show top products, highest sale days, types of sales, customers. You can export daily, weekly and monthly reports at anytime.
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Customizable Payment Widget-Links
Need to add a quick “Pay Now” or “Donate Now” button to your website? You can do this easily!
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Payment Links offers ANY merchant a hosted payments page at NO additional cost and delivers a secure way for their customers to pay without the need for development or direct integration .
Links can be added to your website or just by a URL link you can send via email. Customers just click the link and are sent to a secure payments page. The link will have your logo and business info. The payment page will automatically send the customer a receipt and you notification that payment has been made.
Already have a website or an email where you’re collecting funds? Charities, fundraisers, school events, or anyone wanting to collect funds through their own branded platform can use our Merchant hosted payments.
Our customizable Payment Widget links directly to your merchant account and allows card payment without you having to handle any sensitive card data. Create one or more customized Links, widgets and track payments.
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Apple/Android Mobile Express App
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With Mobile Express, accepting credit card payments is as easy as pulling out your phone. Whether you’re away from the register, out and about, or work independently, you can process payments and even accept gratuity, with or without a card reader. This free powerful app. No Cost mobile solution for each of our accounts. Can be used in many ways.
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Process Anywhere
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Backup processing option, if not primary
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EMV, NFC, and Swipe Capable
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Integrates syncs seamlessly with our Virtual Terminal
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Digital signature capture
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Manual batch capable
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Receipt options with your logo-print, text, email
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Sales tax capable
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Tip capable with ability to adjust tips
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Search customer history charge card on file
Transact On The Go
No Sweat!
Online Support
Customer retention is vital to the growth of any business. Customer retention is based upon positive experiences with our company. Our world-class customer service starts at the top and penetrates to every team member.
Our Merchant interface is simple and easy to use. If you ever need any support we have:
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Online Help Center-You can find answers to all of your questions.
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Browse the integrated help videos
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Detailed features Info with pictures
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"What's New" section for updates
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Submit an idea section-See future products you might want to add for your business
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Live chat, email and 24/7 phone support
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Online Help Center
Four Rings and Resolve.
We’re here to help you 24/7
We know that lost time means lost sales and lost revenue. That is why we established the Four Rings and Resolve Policy. All calls are answered in four rings or less by an experienced representative. Just one of the many ways we show you that your business is our priority.
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Learn More Here About Payment Links
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Our Entire Payments System Custom-Built To Your Needs-What's Included
Our Cloud-Based Payment Platform
PERFECT FOR: Healthcare providers, dentists, doctors & law offices, insurance companies, contractors, plumbers, electricians, landscapers, fitness instructors, home base business, billing services, rental management, non-profits, subscription based businesses, retail, radio stations, installment payments, accounting, consultants, payroll, automotive, professionals, B2B, memberships or small business!
What's Included
Merchant Xchange Has Everything to Run Your Business Your Way!
Free Access to and no extra cost with every account
Virtual Terminal Included
Quick Pay Included
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Customer Database/Vault Included
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Robust Reporting Included
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Customizable Payments Widgets-Links Included
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Apple/Android Mobile Processing Included
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Multiple users Included
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Email/Text Notifications Included
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Loss Prevention Tools Included
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Online 24/7 Customer Support Included
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Customize your payments platform to fit your specific business needs by
downloading and installing our feature rich product apps.
For Every Challenge, There is a Product
Our Priority Program which includes our Merchant Xchange virtual terminal offers multiple product solutions so you can optimize and run your business, your way. Robust, simple to use, and built for you… Explore our entire suite of our solutions or browse them according to your specific needs.
Invoicing & Recurring Billing
Make invoicing – and life for all – a whole lot simpler. Easy and automated, Our Invoice can speed up your billing process (which can get you paid much faster).
Invoice. Track. Collect.
Easy.
Invoicing your customers is now integrated and effortless. Simply customize your invoice framework with your logo, header message and return policy then select a customer, enter the line item detail and click send.
SEND & RECEIVE
Sending invoices and receiving payments have never been easier.
The option to accept credit card payments on a sent invoice makes collecting funds fast and hassle-free. Simply create your invoice and hit send. Your customers will receive an email and a text (optional)
with a link to view their invoice where they can immediately pay with their credit card.
The payment is then automatically collected, and your customer receives an email receipt
at the time of payment.
HISTORY
Track the history on each invoice and any outstanding balances, and as payments are received the status of the invoice adjusts automatically.
RECURRING
You now have access to recurring functionality and can set up new recurring profiles to make collecting payments from your customers super easy.
Click below to learn about the the benefits of Invoicing &
Recurring Billing
REPORTS
View estimated and actual collected receivables from your recurring plans to help
with forecasting cash flow.
Simple to create an invoice & send-demo
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ACH
ACH (e-Check) provides a fully integrated, web-based and customizable ACH interface that processes, monitors, tracks, and reports single or recurring processing, returns, remote deposit capture and Same Day ACH. Why stop at credit cards when you can cut out the middleman, and collect even more with our integrated ACH processing platform.
Integrated ACH Transactions.
Piece of Cake.
Why stop at credit cards? Cut out the middleman, and collect even more with our integrated ACH processing platform. ACH gives you the most cost efficient electronic transactions for your business and allows you to easily streamline your accounting operations.
EXPERTISE & PROVEN SUCCESS
Our ACH platform has multiple AAPs (Accredited ACH Professionals) on staff dedicated to providing you with an unsurpassed level of commitment and excellence in ACH payment expertise and knowledge.
RELIABLE & REAL TIME REPORTING
Our ACH platform offers you the most advanced online reporting capabilities—all in real time. We help you measure results with a myriad of checks and balances for all transactions and reports for analysis.
TIER 1 PROCESSOR WITH FED TERMINAL ON PREMISE
Our ACH platform is one of the few processors in the nation entrusted with a Fed Terminal on-site. This gives you earlier responses for return information and exception handling with the latest possible cut-off times.
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Learn More about saving & benefits of
e-Check ACH
B2B INTERCHANGE OPTIMIZER
Our B2B Interchange Optimizer works behind-the-scenes to help merchants receive an optimal Level II and III interchange rate for all purchasing and corporate cards.
Purchasing & Corporate Card Payment Data.
Simple.
With the B2B Interchange Optimizer App, you can be confident that your merchants qualify for the best possible rates for all purchasing and corporate cards.
Our proprietary technology identifies the proper data fields necessary to meet the preferred Interchange
categories for all major card brands with no additional prompts or data for you to enter.
Best of all, the app is free for the first 30 days on newly boarded accounts!
DID YOU KNOW?
Purchasing and Corporate cards are eligible for significant savings when processed with optional enhanced
Level II and Level III data.
LEVEL II & LEVEL III
When the B2B Interchange Optimizer App is enabled, our proprietary solution verifies that the additional
Level II and Level III transaction data needed for those payments is provided during the authorization,
so that you receive the best possible rate.
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LOWER RATES & INCREASED REVENUE
Lower your interchange effective rate, while increasing revenue. The B2B Interchange Optimizer App is available
exclusively in the our Merchant Marketplace App Store.
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How do B2B transactions work and How can I save from my current processor.
Learn How Here
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IT'S AUTOMATIC
Just by adding the B2B app and using our Virtual Terminal, you’ll qualify for interchange rates that can
be 20-40% lower than standard rates – and you keep the difference.
The B2B Optimizer automatically recognizes which cards will qualify for lower processing costs. Know more guessing or adding data fields to hope you get lowered rates on other platforms. Our advanced technology system does it
for you, and you access rates that can save you hundreds or thousands of dollars every month.
ADVANTAGE
Offset the cost of processing fees for credit cards. Our Advantage for Surcharging provides merchants with the ability to apply a payment card surcharge—also known as a checkout fee—which is an additional fee a merchant adds to a customer’s bill when a credit card is used for payment.
Offset the cost of processing fees
for credit cards.
Our proprietary application for Surcharging, provides merchants with the ability to apply a payment card surcharge—also known as a checkout fee—which is an additional fee a merchant adds to a customer’s bill when a credit card is used for payment. Advantage for Surcharging helps merchants offset up to 100% the
cost of processing fees for credit cards and adds a new revenue stream for your business.
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Use Advantage for Surcharging via a virtual terminal with Quick Pay, or pair it with one of our table top credit card terminal for retail payments. which is fully integrated with the our virtual merchant terminal. These offerings combined give you the tools needed to provide a surcharge countertop solution.
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QUICKBOOKS SYNC
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Our QuickBooks Sync allows you to synchronize financial data from the merchant virtual payment platform to Intuit’s QuickBooks Online tool. Our QuickBooks Sync automatically updates daily transaction data to QuickBooks Online – including all transactions, customer information, invoices, and more!
Sync Payment Data To QuickBooks
Online Automatically
Manually tracking sales data can become an accounting nightmare. With our QuickBooks Sync, merchants can synchronize financial data from the our Merchant payment platform to Intuit’s QuickBooks Online tool. Our QuickBooks Sync automatically updates daily transaction data to QuickBooks Online, including all transactions,
customer information, invoices and more!
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AUTOMATIC UPDATES
QuickBooks Sync saves you countless hours of manual data input into QuickBooks Online. The following data will automatically carry over from any Merchant products, including: Invoicing, QuickPay, Mobile Express, Retail App,
and any integrated countertop terminal:
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Customer Information Invoice Payment Data Historical Data Automatic Scheduling
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Account Updater
Don’t let declines, expired cards, bank upgrades, etc. bog down your process or prevent you from collecting payment. Our Account Updater automatically updates your customer’s cardholder data so you don’t have to. Now you can keep their info up to date while you keep business on track.
Avoid Lost Sales & Delayed Payments.
Take the tedious work out of updating your customers’ vaulted card information with our Account Updater.
The Account Updater App automatically updates vaulted customer card account details, keeping payment information current, eliminating the hassle of manual updates.
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Merchants will quickly see a reduction in declines, cost to manually update card data, and risks associated with staff handling sensitive card information.
Activate Account Updater today to save time and keep payments flowing seamlessly.
HOW IT WORKS
All vaulted customer card account numbers are sent daily to the card brands, including: Visa, MasterCard and Discover.
The card brands then send updated information if changes exist and the updates are then automatically applied
to the customer’s vaulted card. Our Account Updater will sync a customer’s new account number,
expiration date, closed account, etc., and a reason for the update will be provided
REPORTS
Our Account Updater reports display information about the cards that were changed, the reason for the change, or if the merchant needs to contact the customer.
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INSIGHTS
If you’re looking for real results, you need to look at the data. Our Insights gives you just that… insight into an ever-growing database of clear, accurate data to help you develop focused campaigns, target your customers and, above all, yield big results.
Integrated Big Data.
A Breeze
GET READY TO OUTWIT YOUR COMPETITION
With access to a growing database of over 95 billion transactions from nearly 2 billion cardholders, Our Insights distills Big Data into Actionable Insights about your customers and local competitors.
MEASURE
How is my business performing? Our Insights tells you how your business is performing with key metrics and trends on business performance, benchmarked to local competitors, including:
Average Purchase Size Spend Per Customer Spend Per Day of Week Spend By Time of Day
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ACCOUNT UPDATER
How loyal are your customers? Our Insights will help you identify customer loyalty and their
purchase frequently, including:
Repeat Customers Average Visits Per Customer Days Between Visits Days Between Visits
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COMPETE
How can I get more customers? Our insights provides you with deep customer insights enhanced with local demographic information that will help you to outpace the competition, including:
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Top Demographics Top Zip Codes Customer Segments
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RETAIL
Personalized.
Inventory Management.
We’ve Got You Covered.
MX™ Retail is a comprehensive solution for your business.
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Customize inventory or stock with our specialized management tools. Our Retail application will not only handle your point-of-sale needs, it also handles the back office management and inventory needs—from on-boarding to tracking and simple to complex inventory.
PRODUCTS
Keep all of your product information organized and in one easy-to-use location. With our product screens, you can add a product name, description, picture of the product, create your own tags, variants and options, organize your products with collections, and manage suppliers for quick ordering.
ORDERS
Keep track of your customers’ orders, making it easier for you to quickly locate the customers information and the status, whether it is fulfilled, unfulfilled, paid, and/or unpaid.
DISCOUNTS
Manage your discounts in one simple view. Discounts can be tedious, but with our Retail app, they don’t have to be.
REPORTS
In reports you can view all of the taxes that you’ve collected through invoices, recurring contracts, and orders.
Profitability reports are also available based on the cost and sale price for each product as well as quantity sold.
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Our entire payments ecosystem custom-built to your needs. From billing and collections to sales tracking to customer engagement and retention, you’ll
find everything you need to run your business your way!
Our Free Virtual Terminal comes with many free features. Add these customizable apps as your business grows! Our App market is built right into your free virtual terminal.
B2B Level III
Process payments with our extended transaction data and pass on the enhanced data to the payment processor, giving you the best chance to qualify and save with the optimal interchange rates.
Automatic Card
Updater
Ensure uninterrupted payments, particularly those with recurring payments, by seamlessly updating card-on-file account information.
Insights
Insight into an ever-growing database of clear, accurate data to help you develop focused campaigns, target your customers and, above all, yield big results.
Electronic Invoicing & Recurring Billing
Invoice customers right in their inbox and enable them to submit payments with just a few clicks. Set up recurring payments for all types of business.
QuickBooks Sync
Process transactions, create appropriate accounting entries or mark transactions as paid right within the QuickBooks environment using our SnycPay tool.
ACH
Accept and process electronic check payments directly from your online storefront or through the integrated virtual terminal.
Mobile Card Reader
In-Store Application
Accept EMV card payments on a cell phone or tablet with our iProcess turnkey mobile applications for Apple and Android devices.
Start accepting in-store payments with our lightweight Swipe point-of-sale application along with the compatible EMV certified card readers.
$25
$10
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$10
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$25
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Under $100 Per Transaction $0.40 cents
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Per transactions $100-1000 0.10% + $0.40
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Per Transactions over $100. 0.20% +$0.40
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$2.00 Return Fee
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$5.00 Reversal Fee
$145
At Cost No Mark-Ups
Our Entire Payments System Custom-Built To Your Needs-Sign Up Today!
We Offer Transparent Pricing
Low-cost payment processing with next day funding for all major card brands and backed by a Meet or Beat Rate Guarantee. We offer fair and equitable pricing, with clear costs, no hidden fees, no crazy bait & switch rates, no games!
No Ridiculous Fees
We never nickel-n-dime you with ridiculous fees that other traditional processors charge. Choose our cash discount programs or our traditional wholesale interchange + plus program! Find out what we DON'T CHARGE you!
Modern Payments
More than a payment-processing tool, Our merchant virtual terminal is an entire payments ecosystem custom-built to your needs. From billing and collections to sales tracking to customer engagement and retention, you’ll find everything you need to run your business your way!
Technical Support
We know your business doesn’t have time to wait on hold for help from Technical Support. Rely on our team of skilled professionals to provide next-level service, getting you back up and running in a flash.
Turn Accounts Payable Into Revenue!
Say goodbye to manual check runs, payments and reports. Integrate your payments
into a single seamless process that saves time and drives valuable rebates and
incentives. Our integrated payables solution turns your cost center into a
profit center! Automate 100% of your accounts payable.