PayTrace Gateway
Powerful Payment Gateway for B2B
PayTrace delivers enterprise-grade payment processing with features that matter for B2B businesses. Level 2/3 processing reduces interchange on corporate cards, while robust APIs power custom integrations.
Understanding PayTrace Gateway
PayTrace stands as one of the most capable payment gateways available, particularly for B2B businesses that need features beyond basic card acceptance. While consumer-focused processors treat all transactions the same, PayTrace understands that business payments have unique requirements—and unique opportunities for savings.
The flagship feature for B2B merchants is Level 2/3 processing. When you accept corporate purchasing cards, the interchange rates charged by card networks depend on the data captured. Basic transactions pay the highest rates. Transactions that include additional data—tax amount, invoice numbers, line item details—qualify for significantly lower interchange. The savings can be 0.5-1.0% per transaction, which for B2B merchants processing large volumes represents thousands in annual savings.
PayTrace's virtual terminal turns any browser into a payment terminal. Process phone orders, mail orders, and recurring payments from anywhere. Customer data is stored securely in the Customer Vault, enabling one-click billing for repeat customers and automated recurring charges without storing cards on your own systems.
For businesses with custom needs, PayTrace's developer-friendly APIs enable deep integration with ERP systems, CRM platforms, and custom applications. Whether you're building eCommerce, automating invoicing, or connecting payment data with business intelligence tools, PayTrace's RESTful APIs make integration straightforward.
Security is enterprise-grade. PayTrace maintains PCI-DSS Level 1 certification—the highest level. Point-to-point encryption protects card data in transit, while tokenization ensures you never store sensitive card numbers. Your business stays compliant while accessing powerful payment capabilities.
Key Benefits
What PayTrace Gateway means for your business.
How It Works
Gateway Setup
We configure your PayTrace gateway with appropriate settings for your business type and integration needs.
System Integration
Connect PayTrace to your ERP, CRM, or eCommerce platform. We provide integration support and testing.
Level 2/3 Configuration
Configure data capture for Level 2/3 qualification. Train your team on capturing required data.
Go Live & Optimize
Start processing with regular reviews to ensure maximum interchange savings and operational efficiency.
What's Included
Level 2/3 Data Processing
Capture enhanced transaction data (tax, line items, PO numbers) to qualify for lower interchange rates on corporate purchasing cards. Typical savings: 0.5-1.0% per transaction.
Virtual Terminal
Process payments from any browser without additional hardware. Ideal for phone orders, mail orders, and B2B invoices. Works on desktop, tablet, or mobile.
Customer Vault
Securely store customer card data for recurring billing and one-click reorders. Tokens replace card numbers, keeping you out of PCI scope while maintaining convenience.
RESTful APIs
Clean, well-documented APIs for integrating payments into your ERP, CRM, or custom applications. SDKs available for popular programming languages.
ACH Bank Payments
Accept ACH payments directly for B2B invoices. Lower costs than cards for high-value transactions, faster than checks.
Detailed Reporting
Transaction history, settlement reports, and analytics help you understand payment patterns and reconcile accounts efficiently.
Pricing Overview
Transparent pricing for your business.
Gateway Fee
Monthly gateway access fee (typically $10-25)
Transaction Fees
Per-transaction fees plus competitive interchange-plus rates
Level 2/3 Savings
0.5-1% lower rates on qualifying B2B transactions
Contact us for custom pricing based on your specific needs and volume.
PayTrace Gateway FAQs
What is Level 2/3 processing?
Level 2/3 refers to additional data captured on transactions. Level 2 adds tax amount and customer code. Level 3 adds line item details. Card networks offer lower interchange rates on transactions with this data, particularly for corporate purchasing cards. Savings typically range from 0.5-1.0% per transaction.
Can PayTrace integrate with my ERP system?
Yes, PayTrace has pre-built integrations with QuickBooks, NetSuite, Sage, Microsoft Dynamics, and other major business systems. For custom software, the RESTful API allows integration with virtually any platform. We provide integration support to ensure smooth connection.
Is PayTrace PCI compliant?
PayTrace maintains PCI-DSS Level 1 certification—the highest level of payment security certification. Additionally, using PayTrace's hosted payment fields and tokenization reduces your own PCI compliance scope significantly.
What's the difference between PayTrace and regular card processing?
Basic card processing accepts cards but doesn't optimize for B2B. PayTrace is purpose-built for B2B with Level 2/3 capability, virtual terminal for phone orders, customer vault for recurring billing, and robust APIs for integration. If you process B2B payments, PayTrace typically saves money and improves operations.
Can I accept ACH payments through PayTrace?
Yes, PayTrace supports ACH/eCheck payments directly. For B2B invoices, ACH often makes sense—lower cost than cards and faster than paper checks. Combine card and ACH acceptance to give customers payment flexibility.
How long does PayTrace setup take?
Basic virtual terminal setup takes 1-2 business days. Integration projects vary based on complexity—simple eCommerce plugins take days, while full ERP integrations may take 2-4 weeks. We support you throughout the process.
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