PayPal for every industry, not just the ones it already serves

PayPal, a consumer-preferred wallet, an industry-aware payments layer

PayPal (NASDAQ: PYPL) runs one of the most recognized payment brands in the world, 430M+ active accounts, 200+ markets, 100+ currencies, and a consumer-preferred checkout that lifts conversion in categories where buyers already carry a PayPal wallet. Its commerce stack now includes PayPal Complete Payments (PPCP), Braintree for enterprise merchants, Venmo Business Profiles, Pay Later (Pay in 4, Pay Monthly), and the Payouts API. What it doesn't give you, on its own, is an industry-aware payment experience tuned to the way distributors, manufacturers, healthcare providers, nonprofits, schools, government buyers, professional-services firms, and subscription businesses actually collect money.

That's the layer Clarity Payment Hub supplies. On top of PayPal's gateway and wallet rails, Payment Hub adds branded industry checkout flows, a self-service customer portal tailored to each vertical, Level 2/3 auto-enrichment for commercial-card programs, ACH, tokenized recurring billing, surcharging, and 25+ ERP connectors, so a distributor on Sage, a clinic on Epicor, a nonprofit on NetSuite, and a school on Oracle all get an experience that matches how their industry buys.

What PayPal owns, authorization, settlement, the consumer wallet, Venmo, Pay Later underwriting, seller and buyer protection, stays with PayPal. What Payment Hub owns, the industry-specific payment pattern, the ERP posting, the customer-facing portal, extends PayPal into the verticals it doesn't reach natively. Your PayPal merchant account, negotiated rates, and gateway configuration all stay exactly as they are.

How Payment Hub connects PayPal 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, and talks to PayPal over the PayPal Complete Payments REST API and the PayPal JavaScript SDK for in-browser wallet rendering.

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 ERPs (Dynamics GP/NAV, Sage 100/300, SAP ECC, Oracle EBS, SYSPRO, Epicor P21/Eclipse/Eagle) we use a lightweight outbound-only secure agent that calls from inside your network, no inbound firewall ports to open.

Industries PayPal + Payment Hub serves

PayPal is one of the most trusted consumer payment brands in the world, but on its own it's platform-shaped, not industry-shaped. Paired with Clarity Payment Hub, PayPal becomes an industry-aware payments platform across the eight verticals Clarity has supported for 20+ years, pairing the consumer-preferred wallet with the AR features each industry actually needs.

Every payment method your customers want to use

PayPal's strength is the breadth of consumer-preferred funding sources it carries into checkout. Payment Hub surfaces the methods that actually matter per industry, and hides the ones that don't fit pure B2B AR.

For large B2B accounts, we commonly hide the PayPal wallet, Venmo, and Pay Later by default and set ACH as the preferred method above a configurable dollar threshold, protecting your card-processing economics on seven-figure invoices while still giving customers a one-click experience.

Interchange savings and compliant surcharging

Two of the biggest unit-economics levers in B2B payments, Level 2/3 enhanced data and credit-card surcharging, ship in Payment Hub out of the box on top of PayPal.

Level 2 and Level 3 processing

Level 2 and Level 3 refer to enhanced transaction data (sales tax, customer code, invoice line items, purchase order number, freight, duty, product codes) that the card networks require to qualify large B2B transactions for the lowest interchange tiers. Without this data, B2B card transactions default to the most expensive commercial-card interchange.

PayPal Complete Payments (and Braintree, its enterprise sibling) supports Level 2/3 data passing on qualified Visa and Mastercard commercial cards. Clarity Payment Hub pulls the line-item, tax, and customer-code data from your ERP automatically and passes it to PayPal on every eligible transaction. There is nothing for your AR team to key in and nothing for the customer to fill out.

Compliant credit card surcharging

Payment Hub supports compliant credit card surcharging out of the box on PayPal Complete Payments card transactions. The platform handles state-by-state rule enforcement, displays the legally required pre-authorization disclosure, caps the surcharge percentage at the allowed maximum (typically 3% per card network rules), and tracks the surcharge as a separate line in your ERP. Debit cards, prepaid cards, and non-surcharge-eligible cards are excluded automatically.

PayPal-branded wallet transactions follow PayPal's own surcharging policy, so where PayPal does not allow a surcharge on wallet flows, Payment Hub hides the surcharge field and keeps the wallet at the non-surcharged price. Cash-discount programs, where the invoice price already includes processing and non-card methods get a discount, are also supported.

PayPal wallet, Pay Later, and Payouts API

Three PayPal capabilities that don't exist on most gateways, the consumer wallet, BNPL underwriting, and mass-disbursement Payouts, all wired into the industry-aware flow your AR and AP teams actually work in.

For consumer-facing verticals, the PayPal and Venmo wallets are the difference between a 30-second mobile checkout and a multi-field card form. For B2B verticals, Pay Later moves the tickets where financing is a factor (equipment, services, tuition) without putting your AR team on the hook for the credit risk. Payment Hub picks the right mix per industry pattern.

Security, PCI scope, and seller protection

PayPal is PCI DSS Level 1 certified, the highest tier, and carries one of the most mature fraud, buyer-protection, and seller-protection frameworks in the industry. Clarity Payment Hub is built to push your deployment to the lightest compliance scope available.

• Tokenization at PayPal. Every card, ACH account, and PayPal wallet reference is tokenized directly at PayPal's PCI-certified vault. Raw card numbers 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 PayPal's environment, via hosted SDK and direct-to-processor tokenization, your PCI self-assessment drops to SAQ A, with no cardholder-data environment to audit.
• Seller &, Buyer Protection. PayPal's mature seller-protection framework shields against unauthorized transactions and item-not-received claims on eligible transactions, valuable in consumer-facing industry flows (nonprofit, education, healthcare patient pay).
• 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.
• Fraud controls. PayPal-level risk scoring, AVS, CVV, velocity checks, and 3D Secure combine with portal-level controls (invoice-bound authentication, customer-matched billing addresses, single-use signed Quick Pay links) for a defense profile tuned to each vertical, consumer, B2B, or mixed.
• Outbound-only agent for on-premise ERPs. No inbound firewall ports. No VPN tunnel. No public ERP exposure.

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