Epicor Kinetic payment processing, manufacturing-first payment automation through Kinetic's Open REST API

Why Kinetic manufacturers add Payment Hub, and what changes when they do

The problem is overpaying for accepting payments, which is the same one we see across most enterprise ERPs. This drastically affects cost on the payment-acceptance and reconciliation side. Kinetic includes basic credit-card processing through specific Epicor-partnered processors. It works for simple invoice payment, but it doesn't ship the broader payment infrastructure most modern manufacturers want: a customer self-service portal, real-time cash application, multi-invoice consolidation, ACH / eCheck reconciliation, automatic Level III enrichment, gateway choice across the full B2B / B2G processor landscape, subscription / recurring billing, and order-to-cash patterns built specifically for manufacturing (deposits on production orders, milestone billing on configured-to-order shops, partial-shipment captures as production completes, multi-plant routing for multi-facility operations).

So how can it help me? Payment Hub fills this gap through Kinetic's Open REST API, the same modern service-based API Epicor uses internally to build Kinetic. The integration is clean (no Kinetic Functions installed, no BPM directives, no Service Connect customizations). It respects your existing Kinetic customizations and ISV products, and it works equally well on Kinetic Cloud and Kinetic on-premise deployments. What you gain: customer portal, real-time cash application, gateway choice across 19+ processors, Level III interchange optimization, manufacturing-specific order-to-cash patterns, and multi-company / multi-plant routing.

Payment Hub vs native Kinetic payment, honest side-by-side

Kinetic's own card processing runs through Epicor's partnered gateways and covers a card taken against an order or an invoice. Manufacturers add Payment Hub when they need a choice of gateway, deposits and milestone billing, or a portal their customers can pay from.

The verdict: Kinetic's native payment is a fine starting point if you have a single-gateway relationship, no need for a customer portal, and your manufacturing flow is straightforward. For most mid-market and enterprise Kinetic manufacturers, the ones running multi-plant operations, configured-to-order workflows, B2B commercial-card volume worth optimizing for L3, or wanting customer self-service, Payment Hub is the right fit.

Epicor Kinetic payment processing, for make-to-order manufacturers

Kinetic runs discrete manufacturers in industrial machinery, fabricated metals, electronics, medical devices and aerospace and defense, many of them building to order or to configuration rather than to stock. Integrating Payment Hub with Epicor Kinetic leaves Kinetic's native card processing in place and adds what make-to-order receivables need:

• AR automation. A dunning engine with a configurable cadence and pay-links works overdue AR invoices for each company and plant, and tracks DSO as it goes.
• Cash application and payment reconciliation. Every capture applies to its AR invoice through standard Kinetic posting, and a customer paying several invoices at once produces a clean receipt for each. Settlements route by company and plant to the right GL cash account.
• B2B payments for engineer- and configure-to-order work. A deposit at order entry, milestone billing as the job progresses, and partial captures triggered by Kinetic shipment events as each piece leaves the plant.
• Credit card processing fees and surcharging. Where state law and card-network rules permit it, Payment Hub adds a disclosed surcharge to credit card payments and posts it to Kinetic as a separate line. Debit cards are never surcharged.
• Customer payment portal. Balance, aging, credits, saved methods, autopay and payment history in one branded portal, read through Kinetic's Open REST API whether Kinetic runs in Epicor's cloud or on-premise.
• ACH payments. ACH and eCheck run beside cards for customers who pay large invoices by bank, including scheduled installments, and post to Kinetic the same way.
• Level 2 and Level 3 interchange. Aerospace, defense and industrial buyers often pay on purchasing cards, so Payment Hub fills the line-item data from Kinetic sales order and AR invoice lines automatically.
• Visa CEDP. Visa now grades those payments on the data itself: since its schedule effective April 18, 2026, a payment whose data fails validation pays the non-qualified price anyway. Visa keeps its criteria to itself, so the data comes straight from Kinetic's order lines rather than a summary line.

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