EBizCharge

EBizCharge is a payment processing software solution developed by Century Business Solutions, a payment technology company founded in 2001. The platform operates as a cloud-based and on-premise payment gateway designed to integrate natively with popular accounting, ERP, and business management systems including QuickBooks, Sage, Microsoft Dynamics, and NetSuite.

The software serves over 100,000 businesses worldwide, primarily mid-sized companies and enterprises across retail, distribution, professional services, and manufacturing sectors. EBizCharge operates throughout North America with particular strength in the United States and Canada, supporting businesses that process recurring billing, B2B transactions, and omnichannel payments.

Core Features of EBizCharge

EBizCharge enables businesses to accept credit cards, debit cards, ACH payments, and digital wallets directly within their accounting software interface. The platform supports customer vault tokenization for secure recurring billing, email invoicing with pay-now links, and automated payment reminders that reduce days sales outstanding.

The financial reporting engine delivers real-time payment reconciliation dashboards that sync transaction data automatically to accounting ledgers, eliminating manual batch uploads. Users access detailed settlement reports, chargeback management tools, and multi-entity reporting for franchises or businesses with multiple locations operating under separate merchant accounts.

For businesses managing subscriptions or installment plans, EBizCharge includes automated recurring billing with flexible scheduling, dunning management for failed payments, and invoice autopay enrollment. The platform also provides Level 2 and Level 3 processing for B2B transactions, helping businesses qualify for lower interchange rates on corporate and purchasing card transactions.

Key Highlights

• Market Position: Serves over 100,000 businesses with 20+ years in integrated payment processing technology.
• Target Users: Mid-sized businesses, enterprises, and accounting firms managing clients who need payments embedded in QuickBooks, Sage, Dynamics, or NetSuite.
• Deployment: Cloud-based and on-premise options with mobile payment acceptance through iOS and Android card reader apps.
• Standout Feature: Native API integrations that sync payment data bidirectionally in real-time without third-party middleware or connectors.
• Integrations: 40+ direct integrations including QuickBooks Desktop, QuickBooks Online, Sage 100, Sage Intacct, Microsoft Dynamics GP, Dynamics 365 Business Central, NetSuite, Acumatica, and SAP Business One.
• Pricing Model: Custom interchange-plus pricing based on processing volume; monthly software fees typically range $20-$50 per user; free trial available.
• Support: 24/7 phone support, live chat, email ticketing, dedicated account managers for enterprise clients, and onboarding specialists for integration setup.
• Compliance & Security: PCI DSS Level 1 certified, tokenization and encryption, supports EMV chip cards, and maintains compliance with regional card brand regulations.
• Payment Methods: Visa, Mastercard, American Express, Discover, ACH/eCheck, Apple Pay, Google Pay, and virtual terminal for manual entry.

Who Should Use EBizCharge

EBizCharge is ideal for established businesses with 10-500 employees already using QuickBooks, Sage, or Microsoft Dynamics who process $20,000+ monthly in credit card or ACH transactions. Distribution companies, professional services firms, manufacturers, and wholesale businesses benefit most, particularly those managing recurring billing, B2B invoicing, or multi-location payment processing through a centralized accounting system.

A typical use case involves a 50-person wholesale distributor using Sage 100 that emails 200+ invoices monthly and previously reconciled credit card payments manually from a separate gateway. With EBizCharge, customers click a payment link in emailed invoices, payments post automatically to the correct customer account and invoice in Sage, and the accounting team reclaims 15+ hours weekly previously spent on data entry and bank reconciliation.

Integrations & Ecosystem

EBizCharge provides over 40 native integrations with accounting and ERP platforms including all QuickBooks editions, Sage 50/100/300/Intacct, Microsoft Dynamics GP/NAV/365 BC/SL, NetSuite, Acumatica, SAP Business One, and MYOB. The platform offers a REST API for custom integrations and supports Authorize.Net, NMI, and other payment gateway backends, giving businesses flexibility to negotiate their own merchant account rates while maintaining integration features.

Pricing & Plans

EBizCharge uses custom interchange-plus pricing where businesses pay wholesale interchange fees plus a fixed markup negotiated based on monthly processing volume and average ticket size. Software licensing typically costs $20-$50 per user monthly depending on the ERP platform and features enabled. Annual contracts often include waived setup fees and reduced per-transaction costs, while month-to-month options carry higher monthly minimums around $50-$100.

Pros & Cons

Pros

• True Native Integrations: Unlike Zapier-based connectors, EBizCharge syncs payment data bidirectionally in real-time using certified APIs, ensuring every transaction automatically updates the correct invoice, customer balance, and GL account without manual intervention.
• Recurring Billing Automation: Built-in subscription management handles automated retries for failed payments, prorated billing adjustments, and customer self-service portal access for updating payment methods, reducing involuntary churn for SaaS and membership businesses.
• Multi-Entity Support: Franchises and multi-location businesses can process payments under separate merchant IDs while consolidating reporting in a single dashboard, with automatic routing based on customer location or division codes in the ERP.

Cons

• No Standalone Mobile App: While the platform supports mobile card readers, it lacks a dedicated mobile application for reviewing transaction history or managing customers outside the desktop accounting software interface, limiting field sales team flexibility.
• Complex Pricing Structure: The custom interchange-plus model requires businesses to negotiate rates and understand card brand fees, making cost comparison difficult against flat-rate competitors like Square or Stripe that publish transparent pricing publicly.

Our Expert Take

EBizCharge is the best choice for mid-market companies committed to QuickBooks, Sage, or Dynamics who process high volumes of B2B payments or recurring subscriptions and need payments fully embedded in their accounting workflow. Businesses prioritizing real-time reconciliation, Level 2/3 processing for corporate cards, or multi-location payment management will see immediate ROI through eliminated data entry and faster cash application.

Small businesses under $10,000 monthly processing or startups without established ERP systems should consider Stripe or Square instead, which offer simpler flat-rate pricing and standalone interfaces. Companies using less common accounting platforms not on EBizCharge's integration list, or those prioritizing international multi-currency processing, may find better fit with Braintree or Adyen's global payment infrastructure.