USAePay for every industry, online, MOTO, and in-person under one ERP

USAePay, an established ISO-channel gateway, an industry-aware payments layer

USAePay has been in the U.S. payment gateway market since 1998, one of the longer-running ISO-channel gateways, headquartered in Los Angeles. In 2021 it joined the NMI family, which expanded its ecosystem and ISV / ISO reach while preserving the product identity long-time USAePay integrators already know: the Virtual Terminal merchant portal, the Customer Database vault, hosted payment forms, and both SOAP and REST transaction APIs. Its real strengths are the Virtual Terminal for MOTO / keyed-entry workflows, broad certified-terminal support for retail and SMB card-present, and a straightforward integration model that's been in place for two decades. What it isn't, on its own, is an industry-aware payments platform 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 USAePay's gateway, Customer Database, Virtual Terminal, and recurring billing capabilities, 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, 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 USAePay owns, the gateway, Virtual Terminal MOTO portal, Customer Database vault, recurring billing engine, terminal certifications, stays with USAePay. What Payment Hub owns, the industry-specific payment pattern, the ERP posting, the customer-facing portal, extends USAePay into verticals and transaction types it doesn't focus on natively. Your USAePay account, ISO / reseller relationship, acquiring bank, and negotiated rates all stay exactly as they are.

How Payment Hub connects USAePay 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 USAePay via its Transaction API (REST or SOAP), Payment Form hosted pages, and the Virtual Terminal for AR-staff keyed entry.

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. Virtual Terminal entries and POS transactions post to the ERP the same way portal transactions do, one reconciliation path, one cash application workflow.

Industries USAePay + Payment Hub serves

USAePay has earned a long footprint across U.S. SMB and mid-market verticals through its ISO channel. Paired with Clarity Payment Hub, USAePay becomes an industry-aware payments platform across the eight verticals Clarity has supported for 20+ years, including the MOTO and keyed-entry flows that still matter in real-world B2B AR.

Every payment method your customers need

USAePay supports the full stack of U.S. payment methods across online, MOTO, and in-person acceptance. Payment Hub surfaces the methods that actually matter per industry.

For large B2B accounts, we commonly set ACH as the default payment 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 USAePay.

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.

USAePay supports Level 2 and Level 3 enhanced data on qualified Visa and Mastercard commercial-card transactions. Clarity Payment Hub pulls the line-item, tax, and customer-code data from your ERP automatically and passes it to USAePay on every eligible transaction, including Virtual Terminal keyed-entry transactions, which also benefit from line-item data pulled from the ERP at the moment of entry. 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 USAePay 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. Virtual Terminal entries follow the same surcharging rules as online transactions.

Cash-discount programs are also supported where your pricing strategy calls for it.

Virtual Terminal, the MOTO engine B2B still needs

MOTO (Mail Order / Telephone Order) isn't a relic of the 1990s, it's a live part of how many B2B distributors, manufacturers, healthcare practices, nonprofits, and municipal offices still collect payments. USAePay's Virtual Terminal is one of the more mature merchant-facing MOTO portals, and Payment Hub wires it into the ERP so phone-entered payments post like any other.

For verticals where phone and email payments are still meaningful, B2B distribution on net-30 terms, manufacturing service calls, healthcare front-desk walk-ins, municipal call centers, nonprofit phone-a-thons, professional-services retainer refresh, Virtual Terminal is a real USAePay advantage that Payment Hub surfaces cleanly inside the industry-aware workflow. AR staff keep working the way they already do. The only difference is the ERP posting becomes automatic.

Security, PCI scope, and enterprise compliance

USAePay is PCI DSS Level 1 certified, the highest tier, and operates under NMI's parent-company security framework. Clarity Payment Hub is built to push your deployment to the lightest compliance scope available.

• Customer Database tokenization. Every card and ACH account is tokenized directly at USAePay's PCI-certified Customer Database vault. Raw card numbers never touch Payment Hub's infrastructure and never touch your servers.
• PaymentShield iframe hosted fields. Card data is captured inside USAePay-hosted iframes for online transactions, so PAN never transits your servers. Qualifies for SAQ A, the lightest PCI self-assessment available.
• Virtual Terminal security. Virtual Terminal is hosted by USAePay with role-based access controls for AR staff, so PAN entered by phone is captured inside USAePay's environment, not your own.
• 3D Secure 2. USAePay supports 3DS2 step-up for liability shift on card-not-present transactions. Payment Hub triggers step-up only when the underlying processor flags medium risk.
• 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.
• Outbound-only agent for on-premise ERPs. No inbound firewall ports. No VPN tunnel. No public ERP exposure.

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