Stripe for every industry, not just SaaS and marketplaces

Stripe, a developer-first platform, an industry-aware payments layer

Stripe (founded 2010) is the modern category-defining developer-first payment platform. It handles card processing and global payment methods for Shopify, Amazon, Google, Microsoft, Salesforce, Instacart, Lyft, DoorDash, and thousands of other tier-1 customers, across 46+ countries and 135+ currencies. What sets Stripe apart isn't just payments: it's the breadth of adjacent products shipped on the same API. Billing for subscriptions, Connect for marketplaces, Radar for fraud, Terminal for in-person POS, Tap to Pay on iPhone and Android, Link for one-click checkout, Issuing for cards, Treasury for banking-as-a-service, Tax for sales tax calculation, and Sigma for payment data. What it doesn't give you, on its own, is an ERP-aware B2B payments platform tuned to distributor invoicing, manufacturing milestones, or the industry-specific customer portal each vertical actually needs.

That's the layer Clarity Payment Hub supplies. On top of Stripe's gateway, vault, Billing engine, Connect infrastructure, and Radar risk tools, 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, surcharging, 25+ ERP connectors, and the industry-specific payment pattern (patient payment plans, donor recurring, tuition schedules, membership renewals, subscription dunning), 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 Stripe owns, authorization, settlement, the tokenized vault, Billing subscriptions, Connect split disbursements, Radar fraud scoring, the clean API surface, stays with Stripe. What Payment Hub owns, the industry-specific payment pattern, the ERP posting, the customer-facing portal, extends Stripe into verticals that Stripe's self-serve onboarding doesn't focus on natively. Your Stripe account, negotiated rates, subscription records, connected accounts, and API integration all stay exactly as they are.

How Payment Hub connects Stripe 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 Stripe via the Payment Intents API, Stripe Elements for in-browser tokenization, and webhooks for event-driven state changes.

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. Payment Hub subscribes to Stripe webhooks (payment_intent.succeeded, invoice.paid, charge.refunded, etc.) so the ERP stays in sync regardless of where the transaction originated, portal, Billing, Connect, Terminal, or Link.

Industries Stripe + Payment Hub serves

Stripe's natural home is SaaS, marketplaces, and D2C consumer commerce. Paired with Clarity Payment Hub, Stripe becomes an industry-aware payments platform across the eight verticals Clarity has supported for 20+ years, with the full Stripe product stack (Billing, Connect, Radar, Link, Tap to Pay) available where each vertical needs it.

The widest payment-method coverage, per country and per vertical

Stripe supports one of the broadest payment-method footprints in the industry, from cards and digital wallets to local bank debits, redirects, real-time payment rails, and cash-based methods in Japan, Brazil, and Mexico. Payment Hub surfaces the methods that matter per industry and per country.

For large B2B accounts, we commonly hide wallets and BNPL by default and set ACH or SEPA Direct Debit as the preferred method above a configurable dollar threshold, protecting your card-processing economics on seven-figure invoices. Per-country routing ensures an Australian buyer sees BECS and a Brazilian buyer sees PIX.

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 Stripe.

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.

Stripe supports Level 2/3 data passing on qualified Visa and Mastercard commercial cards in North America, plus CEDP (Customer-Defined Enhanced Data Program) for U.S. government purchasing. Clarity Payment Hub pulls the line-item, tax, and customer-code data from your ERP automatically and passes it to Stripe 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 Stripe card transactions. The platform handles state-by-state rule enforcement in the U.S., 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.

Surcharging rules vary internationally, the EU, UK, Australia, and other regions each have their own surcharging regulations, which Payment Hub enforces per country. Cash-discount programs are also supported where applicable.

Connect, Billing, Radar, Link, the broadest product platform in the space

Stripe's competitive moat is the set of adjacent products built on the same API, well beyond payments alone. Payment Hub wires the ones that matter for your vertical into the industry-aware flow, and keeps the rest available for when your needs expand.

This product breadth is the honest reason many Clarity customers pick Stripe over other gateways, the possibility that tomorrow you need marketplace splits, issuing, banking-as-a-service, or international expansion, and you don't have to re-procure a processor. Payment Hub's job is to make any of those additive capabilities show up cleanly inside your industry's payment flow and your ERP, without a separate integration project.

Security, PCI scope, and enterprise compliance

Stripe is PCI DSS Level 1 certified, the highest tier, with SOC 1 Type 2 and SOC 2 Type 2 reports available for enterprise buyers. Clarity Payment Hub is built to push your deployment to the lightest compliance scope available.

• Tokenization at Stripe. Every card, bank account, and wallet reference is tokenized directly at Stripe's PCI-certified vault. Raw card numbers never touch Payment Hub's infrastructure and never touch your servers.
• Stripe Elements + Payment Element. Card data is captured inside Stripe-hosted iframes so PAN never transits your servers. Payment Element supports the full method set (cards, wallets, BNPL, bank debits, Link) in a single mountable component. Both qualify for SAQ A, the lightest PCI self-assessment available.
• Radar + 3D Secure 2. Stripe Radar's ML fraud scoring combines with 3DS 2 step-up for liability shift on card-not-present transactions and SCA compliance under PSD2 in Europe. Payment Hub triggers step-up only when Radar flags medium risk.
• SOC 1 Type 2 + SOC 2 Type 2. Stripe publishes both SOC reports annually. Clarity Ventures also operates to SOC 2 Type II standards, security, availability, confidentiality, and data-handling controls are independently audited on an ongoing basis.
• Fraud controls at the portal. Radar's scoring combines 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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