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.
Understanding the Cost of PayTrace Gateway
Cost matters — but total value matters more. Many businesses focus only on rates. They miss hidden fees and service gaps that cost more over time. Unison takes a different approach. Every dollar you spend on paytrace gateway delivers real, measurable returns.
No Hidden Fees
With Unison, you get straightforward pricing:
- No setup fees
- No long-term contracts
- No early termination penalties
- No PCI non-compliance fees
- No hidden monthly minimums
You pay only for what you use. Every charge appears clearly on your statement.
Real ROI Beyond Savings
Businesses that use the right payment tools see gains in:
- Checkout speed — shorter wait times and faster throughput
- Customer retention — better payment experiences keep people coming back
- Cash flow — faster funding and clearer reporting
- Efficiency — automation replaces manual work
Want to see your potential savings? Try our savings calculator or request a free statement analysis. Most merchants save 20 to 40 percent after switching.
How Different Industries Use PayTrace Gateway
Every industry uses paytrace gateway differently. The features that matter most depend on how your business operates day to day.
Restaurants & Food Service
- Fast checkout during peak hours
- Tip management and split checks
- Kitchen display integration
- End-of-day reconciliation tools
Retail Stores
- Inventory tracking by product and category
- Multi-location management
- Customer loyalty programs
- eCommerce platform integration
Service Businesses
Medical offices, salons, auto shops, and professional firms use paytrace gateway for:
- Appointment scheduling
- Recurring billing and memberships
- Invoicing with online pay links
- Client management
High-Risk Industries
CBD, peptides, gaming, and dropshipping businesses face higher rates and stricter rules. Unison's high-risk merchant accounts provide stable processing, specialist support, and chargeback prevention tools built for your industry.
Why Choose Unison for PayTrace Gateway
Not all providers are the same. Unison gives you a dedicated account manager — someone who knows your business, your industry, and your goals.
Here is what sets us apart:
- Interchange-plus pricing — see the real cost of every transaction
- No hidden fees — no surprise rate increases or contract penalties
- 20–30% savings — the average reduction for merchants who switch
- Fast funding — most deposits in 24 hours
- Human support — real people who pick up the phone
Easy to Get Started
- Apply online in under 10 minutes
- Get approved within 24 to 48 hours
- Start using paytrace gateway right away
Switching from another provider? We handle the full transition so your business runs without interruption.
Security and Compliance for PayTrace Gateway
Security is not optional. Unison is PCI DSS Level 1 compliant — the highest standard in the payment industry. Every transaction is protected by encryption, tokenization, and real-time fraud detection.
How We Protect Your Business
- PCI compliance assistance — guided questionnaires and vulnerability scanning
- Point-to-point encryption (P2PE) — card data is encrypted the moment it is captured
- Tokenization — raw card numbers are never stored on your system
- Fraud detection — suspicious transactions are flagged in real time
Our hardware and gateway solutions are designed to reduce your PCI scope. That means less complexity and lower compliance costs for your business. You focus on serving customers. We handle the security.
How to Get Started with PayTrace Gateway
Setting up is simple. Our team handles the technical work so you can focus on your business.
Step-by-Step Process
- Free consultation — contact us to discuss your needs and goals
- Statement review — we analyze your current fees and find savings
- Quick application — takes less than 10 minutes online
- Fast approval — most merchants approved in 24 to 48 hours
- Setup and training — we configure everything and walk your team through it
After You Are Live
Your dedicated account manager stays with you. They monitor your account, suggest ways to save, and handle any changes you need. No call centers. No ticket queues. Just direct access to someone who knows your business.
Calculate your savings now or get a free quote to take the first step.
Services That Pair Well
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