PayTrace review
A B2B-focused gateway for card and ACH payments across sales channels and ERP systems.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
PayTrace provides payment gateway and merchant processing services for businesses, with a focus on B2B payments. It is suited to teams that take card and ACH payments across online, in-person, and phone channels, particularly those connecting payment workflows with ERP or accounting systems. A virtual terminal handles manually entered payments, while email payment links and Pay Now buttons offer ways to collect payments remotely. The platform is cloud-based and available through web and API access.
Its B2B feature set goes beyond basic checkout. PayTrace supports recurring and scheduled payments, stores payment information in a customer vault, and offers hosted payment fields for ecommerce. For business-to-business card transactions, Level II and Level III processing and interchange optimization are available. Accounts receivable automation and ERP-embedded payments extend its role into finance workflows. Listed integrations include Microsoft Dynamics 365 Business Central, Acumatica, QuickBooks Online, Oracle NetSuite, Odoo, Sage, and Shopware; transaction reporting and software synchronization help connect payment activity with business systems.
PayTrace is a reasonable fit for organizations that need these payment and receivables functions together, and its API, sandbox, and documentation provide routes for technical integration. The vendor identifies PCI DSS compliance and offers email, phone, and documentation support. Pricing is handled through sales rather than published plans, so buyers should expect a sales conversation to assess cost and fit. Teams looking for a broad range of payment methods or a marketplace for extensions should consider alternatives; PayTrace’s stated payment methods are credit and debit cards and ACH, and no marketplace capability is described.
PayTrace pros and cons
- Where it wins
- Accepts cards and ACH online, in person, and by phone
- Supports recurring payments, a customer vault, and hosted payment fields
- Integrates with ERP and accounting tools, including NetSuite and Dynamics 365
- Where it doesn't
- Pricing requires contacting sales
- Payment methods are limited to cards and ACH
- No marketplace capability is described
PayTrace fact sheet, pricing and score →
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