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Elavon, an acquirer, Payment Hub makes it a payment platform
Elavon is one of the largest direct acquirers in the world and a wholly-owned subsidiary of U.S. Bancorp, 2M+ merchants, 30+ countries, $550B+ annual processing volume, on its own acquiring rails. Excellent at what an acquirer does. What Elavon is not, and no acquirer is, is an industry-aware payment platform. A nonprofit does not run payments the way a distributor does. A hospital does not run payments the way a school district does. A subscription SaaS does not run payments the way a county treasurer does. None of that industry behavior lives inside any gateway. Payment Hub is the layer that turns Elavon's acquiring capacity into the payment experience each vertical actually needs.
Elavon brings what a bank-owned acquirer brings: direct underwriting, global card acceptance, tokenization and EMV-level encryption, 3DS, Level 2/3 eligibility at the gateway level, ACH debit and credit, recurring billing, and rock-solid settlement funded through U.S. Bancorp. It's a stable, heavily regulated, deeply capitalized processing choice, which makes it a good foundation to build an industry-specific payment stack on top of. Elavon's public CEDP posture is consistent: the gateway supports Visa's Commercial Enhanced Data Program fields. The responsibility for firing clean, validated line-item data sits with the integration on top.
Payment Hub consumes the Elavon gateway and builds on top: a branded self-service customer portal, 25+ ERP connectors, CEDP-ready Level 3 auto-enrichment from ERP line items, Pay-on-Account, tokenized ACH and card wallets, real-time cash application back to the ERP, and industry-specific workflows tuned to how each of eight verticals actually gets paid. Same Elavon MID. Same settlement. Same statement. Same negotiated rate structure. And because Payment Hub is flat-fee software (not a revshare on your interchange), 100% of any commercial-card interchange savings Payment Hub unlocks from CEDP-ready Level 3 stay on your side of the ledger.
How Payment Hub connects Elavon to your ERP
Clarity Connect, the integration engine under Payment Hub, with 15+ years of active development, reads from and writes to your ERP in real time using each platform's supported API layer. Elavon stays in control of authorization, settlement, and funding. Clarity stays in control of the ERP-side posting and the customer experience.
Inbound from ERP
Customers, contacts, open invoices with line items, account balances, credits, payment history, all in real time. This is the data that feeds Level 3 enhanced-data submission into Elavon (Converge / Fusebox / Opayo) automatically.
Outbound to ERP
Applied cash receipts, tokenized wallet references, address updates, and Pay-on-Account allocations, posted the moment Elavon confirms authorization. No overnight batch, no CSV import, no manual cash application the next morning.
Elavon-side processing
Elavon authorizes, settles, funds, and owns the merchant-account relationship. Clarity does not route funds, does not insert a spread, and does not skim basis points. Your processing economics, your Elavon statement, and your merchant account are all unchanged.
No ERP modifications
Clarity Connect uses only documented, supported integration points on each ERP. No schema changes, no custom code inside the ERP, no plugins that break on the next upgrade cycle.
For cloud ERPs (NetSuite, Acumatica, Dynamics 365 BC, SAP S/4HANA Cloud) Clarity Connect talks directly to the ERP's cloud APIs. For on-premise systems (Dynamics GP/NAV, Sage 100/300, SAP ECC, Oracle EBS, SYSPRO, Epicor Prophet 21/Eclipse/Eagle) we use a lightweight outbound-only secure agent that calls from inside your network, no inbound firewall ports to open, no VPN tunnel required.
Industries Clarity Payment Hub unlocks on Elavon
Elavon alone is a global card acquirer, excellent at what that means. What it is not is an industry-specific payment platform. A nonprofit, a distributor, a hospital, a university, and a subscription SaaS all need payments to behave very differently, and none of that behavior lives inside the gateway. Payment Hub is the industry-aware layer that takes Elavon's acquiring capacity and shapes it into a payment experience that fits how each vertical actually runs.
B2B Distribution &, Wholesale
Dealers, resellers, and distributor chains that live on commercial cards, net terms, and Pay-on-Account, and whose margin depends on Level 3 interchange qualifying on the first pass.
- Branded customer/dealer portal with invoice presentment
- Pay-on-Account, credits, multi-invoice consolidation
- CEDP-ready Level 3 auto-enrichment from ERP line items
- Terms management, credit-limit holds, account statements
Manufacturing
Discrete and process manufacturers with PO-driven AR, multi-entity roll-ups, and long-tail commercial-card exposure on parts, service, and aftermarket orders.
- PO-number and freight capture in Level 3 payload
- Multi-entity, multi-plant, multi-currency reconciliation
- Service-parts and aftermarket payment flows
- EDI-initiated invoices paid through the portal
Healthcare &, Life Sciences
Provider groups, billing services, medical distributors, and life-sciences suppliers with split patient/payer receivables and PHI-conscious data boundaries.
- Patient and payer statement portals with payment plans
- Tokenized recurring, auto-pay, and balance-based billing
- SAQ A scope, no PHI in the payment environment
- HSA/FSA and commercial-card handling on one MID
Nonprofit &, Fundraising
501(c)(3) organizations, foundations, membership associations, and faith-based institutions that run recurring donations, pledges, and designated-fund receipting.
- Donor portal with pledge tracking and auto-acknowledgment
- Recurring gifts, designated funds, soft credits to households
- Tribute and in-memoriam giving flows
- Receipting and year-end statement automation
Education
Private K-12 schools, higher-education programs, continuing-ed institutions, and training providers with tuition, fees, meal plans, and installment plans.
- Family/student portal with multi-payer tuition splits
- Installment plans with ACH auto-debit
- Activity fees, meal plans, transportation add-ons
- Financial-aid netting and 1098-T-friendly reporting
Government &, Public Sector
Municipal utilities, permitting departments, courts, county treasurers, and state agencies collecting fees, fines, taxes, and permit revenue from citizens and vendors.
- Citizen-facing portal branded to the department or agency
- GSA / purchasing-card Level 3 on supplier payables
- Permit, utility, court, and tax payment flows
- Surcharging / convenience-fee where statutorily allowed
Professional Services &, Agencies
Legal, accounting, consulting, engineering, architecture, and agency businesses that run on retainers, matter-based invoicing, and milestone billing.
- Client portal with matter/engagement-level invoicing
- Retainer balances, trust-account-friendly flows
- Recurring billing for subscription engagements
- Signed single-use Quick Pay links from invoice email
Subscription, SaaS &, Membership
Recurring-revenue businesses, SaaS, content, memberships, associations, clubs, and continuity programs, that depend on tokenized card-on-file reuse and disciplined churn control.
- Tokenized recurring with dunning &, retry logic
- Member/subscriber self-service portal for plan changes
- Proration, upgrades/downgrades, pause &, resume
- Account-updater on expired and reissued cards
What Elavon ships natively vs. what Payment Hub adds
Elavon is a world-class acquirer with strong processing-side capabilities. It is not, however, an ERP-integration platform. Here's exactly where the stack divides.
Elavon
Processing &, Acquiring Layer
- Visa, Mastercard, Discover, Amex direct acquiring
- Converge, Fusebox, Opayo gateways
- Commercial Card Optimization (75/25 revshare)
- Level 2/3 eligibility with enhanced-data fields
- Tokenization, EMV, PCI-certified vault
- 3DS2 authentication, network tokenization
- ACH debit &, credit processing
- Merchant underwriting by U.S. Bancorp
Clarity Payment Hub
ERP &, Customer-Experience Layer
- Real-time posting to 25+ ERPs (see list below)
- Level 3 auto-enrichment from ERP line items
- 100% of interchange savings retained on merchant side
- Branded self-service customer portal
- Pay-on-Account, credits, statements, multi-invoice consolidation
- Tokenized recurring &, auto-pay across card and ACH
- Outbound-only secure agent for on-premise ERPs
- 48-hour go-live with flat-subscription pricing
The ERPs Payment Hub brings to the Elavon deployment:
We can typically go live in 48 hours once ERP sandbox credentials are shared. Keep your Elavon account, keep your rates, and see your exact flow in a 30-minute walkthrough.
The Missing LinkBetween Paymentsand Your ERP
Clarity Payment Hub closes that gap, connecting your orders, invoices, and payment channels into one flow.
Speak to a Platform ArchitectInterchange savings: 100% vs. 25%
Elavon is genuinely good at qualifying transactions for Level 2/3 interchange, the question is who keeps the savings. Commercial Card Optimization is a revshare program that delivers the qualification but retains the majority of the upside. Payment Hub is a software subscription that delivers the qualification and leaves the upside on your books.
Elavon fires Level 2/3 qualification on eligible commercial-card transactions, then retains 75% of the resulting savings as program revenue. The merchant receives 25% as a recurring credit. No ERP integration, data is sourced from whatever the gateway can derive or reconstruct.
Payment Hub auto-pulls line-item, tax, PO, and customer-code data straight from your ERP, the cleanest possible Level 3 payload. Every eligible transaction qualifies on its own merits. 100% Of the interchange savings stay on your side of the ledger. Flat software subscription, no revshare.
CEDP readiness and Level 3 on Converge, Fusebox, and Opayo
Visa's Commercial Enhanced Data Program (CEDP) is no longer a future concern. Enforcement began April 2025, and the full Level 2 sunset for U.S. commercial and purchasing cards completes in April 2026. Elavon's gateways accept the enhanced-data fields, but they have to be populated, transaction by transaction, from validated invoice data.
How Elavon's Level 3 program actually works
Level 2 and Level 3 are enhanced data fields that the card networks require to qualify large B2B card transactions for the lowest interchange tiers. Level 2 adds sales tax and customer code. Level 3 adds invoice line items, purchase order number, freight, duty, product codes, unit of measure, and more. Converge, Fusebox, and Opayo all accept those fields, but something upstream has to populate them.
Most merchants processing through Elavon pass bare-minimum Level 1 data and leave the Level 2/3 fields empty, which is precisely why Commercial Card Optimization exists, Elavon's offer is "we'll fire the fields for you, keep 75% of the savings in exchange." Clarity Payment Hub offers the alternative: the data is already in your ERP, we pass it through automatically on every eligible transaction, and 100% of the savings stay with you.
On $5M of annual commercial-card volume, the gap between standard commercial interchange and the Level 3-qualified B2B tier is typically worth $40,000–$75,000 per year in recovered margin, with no change to sales price and no change to customer experience.
Why ERP-sourced Level 3 wins
Gateway-derived Level 3 is a best-effort reconstruction. ERP-sourced Level 3 is the invoice itself, the same line items, quantities, and tax the buyer sees on the bill. There's no mapping drift, no catalog to maintain alongside the ERP, and no manual entry exposure. CEDP validation passes on the first try because the data actually matches the invoice of record.
Every payment method your B2B customers need
Elavon supports the full payment stack a B2B merchant actually uses, commercial and consumer cards, ACH, virtual terminal, recurring, 3DS, and hosted-payment pages. Payment Hub surfaces each method in a branded, self-service portal and hands the data back to the ERP in real time.
Commercial &, Consumer Cards
Visa, Mastercard, American Express, Discover, including corporate, purchasing, and fleet cards that qualify for Level 2/3 rates through Converge and Fusebox. Consumer-card transactions run on standard rails. Network tokenization supported.
ACH &, eCheck
U.S. bank-account debits and credits at the lowest per-transaction cost for large B2B tickets. Tokenized once, re-used in one click. Recurring and scheduled ACH fully supported through Elavon's ACH processing plus Payment Hub's customer portal.
Virtual Terminal &, Converge
Secure manual key-in for phone and mail-order payments through Converge, plus hosted payment page and file-upload batch processing. Exposed through the Payment Hub portal with ERP-synced customer records, no re-keying customer details.
Recurring &, Scheduled
Tokenized recurring billing for subscription, auto-pay, and installment schedules. Card- and ACH-based recurring both supported. Elavon's account updater keeps recurring schedules running through card reissues.
For large B2B accounts, we commonly configure ACH as the default method above a dollar threshold, protecting card-processing economics on seven-figure invoices while still giving customers a one-click experience. Elavon handles all methods through the same settlement flow into your bank account.
Security, PCI scope, and enterprise compliance
Elavon is a Level 1 PCI DSS service provider and maintains enterprise-grade security across Converge, Fusebox, and Opayo. Clarity Payment Hub is built to push your deployment to the lightest possible compliance scope and leave the cardholder-data environment at Elavon where it belongs.
- Tokenization at Elavon. Every card and ACH account is tokenized directly in Elavon's PCI-certified gateway vault (Converge / Fusebox / Opayo). Raw credentials never touch Payment Hub's infrastructure and never touch your servers.
- SAQ A scope for most merchants. Because cardholder data is captured and stored entirely inside Elavon's environment, your PCI self-assessment drops to SAQ A, the lightest tier, with no cardholder-data environment to audit on your side.
- SOC 2 Type II. Clarity Ventures operates to SOC 2 Type II standards. Security, availability, confidentiality, and data-handling controls are independently audited on an ongoing basis.
- 3DS2 &, fraud controls. Elavon-level 3D Secure 2, AVS, CVV, and velocity checks combine with portal-level controls: invoice-bound authentication, customer-matched billing addresses, signed single-use Quick Pay links. Defense profile tuned to B2B invoice fraud rather than consumer card fraud.
- Outbound-only agent for on-premise ERPs. No inbound firewall ports. No VPN tunnel. No public ERP exposure.
- Bank-grade underwriting. Elavon is underwritten and governed as a U.S. Bancorp subsidiary, the operational resilience, regulatory compliance, and financial stability of one of the largest commercial banks in the United States.
Elavon + Payment Hub FAQ
The questions B2B AR, IT, and finance teams ask before rolling out Elavon through Clarity Payment Hub.
Does Payment Hub replace Elavon?
No. Elavon stays in place as your merchant-services provider, your processor, and your underwriter. Clarity Payment Hub sits on top as the ERP and customer-experience layer.
Elavon authorizes, settles, and funds exactly as it does today, on its own rails as a direct acquirer owned by U.S. Bancorp. Payment Hub adds the pieces Elavon doesn't ship natively: real-time posting to 25+ ERPs, Level 3 auto-enrichment from your ERP line-item data, a branded self-service customer portal, and tokenized recurring across card and ACH.
Which ERPs does the Elavon + Payment Hub integration support?
25+ ERPs including Sage 50, Sage 100, Sage 300, Sage X3, Sage Intacct, SAP Business One, SAP ECC, SAP S/4HANA, Epicor Kinetic, Epicor Prophet 21, Epicor Eclipse, Epicor Eagle, Infor SyteLine, SYSPRO, Oracle E-Business Suite, Acumatica, NetSuite, Microsoft Dynamics 365 Business Central, Dynamics 365 F&O, Dynamics GP, Dynamics NAV, Odoo, Blackbaud, and both QuickBooks Online and Enterprise QuickBooks.
Payment Hub uses each ERP's documented API layer, no schema changes, no plugins that break on the next upgrade. Typical go-live is 48 hours once ERP sandbox credentials are shared.
How is this different from Elavon's Commercial Card Optimization program?
Elavon's Commercial Card Optimization is a managed revshare program: Elavon fires Level 2/3 interchange qualification on your behalf, then retains 75% of the interchange savings while the merchant keeps 25%. That is a real service, you don't have to think about enhanced data, but the economics favor the processor.
Clarity Payment Hub uses a different model: a flat software subscription. Payment Hub pulls the Level 3 data from your ERP and passes it through to Elavon on every eligible transaction, and 100% of the resulting interchange savings stay on the merchant side. On $10M of annual commercial-card volume the typical delta is worth roughly $56,000 per year in retained savings versus the 75/25 split.
Both programs can coexist on the same Elavon MID, you can keep Commercial Card Optimization on legacy flows and move new ERP-driven volume through Payment Hub.
What is CEDP and does it affect Elavon merchants?
CEDP is Visa's Commercial Enhanced Data Program, which tightens the data-quality requirements for B2B and B2G commercial-card transactions to qualify for the lowest interchange tiers. CEDP began enforcement in April 2025, and the full Level 2 sunset for U.S. commercial, corporate, fleet, and purchasing cards completes in April 2026.
It applies to every Visa-accepting merchant regardless of processor, Elavon customers included. Merchants whose payment flow can't pass clean, validated line-item, tax, and customer-code data will see B2B interchange rates quietly degrade. Payment Hub pulls that data directly from your ERP on every transaction, so your Elavon deployment is CEDP-compliant from day one with no manual catalog maintenance.
Which industries does Elavon + Clarity Payment Hub serve?
Eight core verticals, all running on one Elavon merchant account funded through U.S. Bancorp:
- B2B distribution &, wholesale: dealer/customer portals with Pay-on-Account, multi-invoice consolidation, and CEDP-ready Level 3 auto-enrichment on commercial cards
- Manufacturing: PO-driven AR, multi-entity/multi-plant roll-ups, service-parts and aftermarket flows
- Healthcare &, life sciences: patient/payer statement portals, payment plans, tokenized recurring, SAQ A scope
- Nonprofit &, fundraising: donor portals with pledges, designated funds, soft credits, receipting automation
- Education: tuition portals with multi-payer splits, installment plans, activity fees, 1098-T-friendly reporting
- Government &, public sector: citizen-facing portals for permits, utilities, courts, taxes. Convenience-fee and surcharging where allowed
- Professional services &, agencies: matter/engagement invoicing, retainer balances, recurring billing for subscription engagements
- Subscription, SaaS &, membership: tokenized recurring with dunning, plan-change self-service, account-updater on expired cards
Every vertical uses the Elavon gateway underneath. Payment Hub provides the industry-specific portal experience, the ERP integration, and the AR workflows on top. Same MID, same settlement, same negotiated rate structure.
Does Elavon support ACH and tokenized recurring through Payment Hub?
Yes. Elavon supports ACH debit and credit through its Converge platform, and tokenized card-on-file plus ACH-on-file recurring billing. Payment Hub surfaces ACH as a first-class option in the customer portal alongside cards, with tokenized bank-account reuse so customers enter their routing and account numbers once and pay with one click on every subsequent invoice.
Recurring and scheduled ACH is fully supported. For large B2B accounts, ACH is typically configured as the default above a dollar threshold, protecting card-processing economics on seven-figure invoices.
Does Payment Hub work across Elavon's U.S. and international gateway deployments?
Yes. Payment Hub connects through whichever Elavon gateway deployment your merchant account uses, U.S., Canada, U.K., Europe, via Elavon's documented API endpoints. The ERP-side integration, the industry-specific portal, the Level 3 auto-enrichment, and the recurring/ACH behaviour are the same regardless of which regional Elavon gateway is underneath.
The division of labor does not change with geography: Elavon handles authorization, settlement, card-network connection, and regional compliance. Payment Hub handles the industry-specific payment flow, the customer experience, and the ERP integration.
How long does Elavon integration through Payment Hub take?
Clarity Payment Hub is packaged software, not a custom build. A typical Elavon + ERP go-live takes 48 hours once Clarity receives ERP sandbox credentials and the Elavon gateway credentials (Converge / Fusebox / Opayo, as applicable).
You keep your Elavon merchant account, your negotiated rates, and your existing Elavon relationship, Clarity does not insert a transaction markup or skim basis points. Implementation is a flat subscription with the ERP integration included.
Do I have to change Elavon accounts to use Payment Hub?
No gateway migration required. Payment Hub connects through Elavon's existing API endpoints (Converge / Fusebox / Opayo), so your MID, merchant account, and Elavon statement stay unchanged. Your transactions continue settling through Elavon on its own acquiring rails, funded through U.S. Bancorp, the only change is that the data flowing into each transaction is now ERP-authoritative, and the data flowing out each day is auto-posted into your ERP.