Partner Qualifying Questions

Why This Matters

Many ERP systems have native integrations with a single payment processor — often at non-competitive rates. Companies that are locked in can't shop for better pricing, can't easily qualify for Level II/III interchange savings, and can't take advantage of surcharging even where it's legal. This is one of the most common and costly frustrations in B2B payments.

Listen For

• Complaints about high processing fees with no ability to negotiate
• "Our ERP only works with [specific processor]"
• Lack of Level II/III interchange qualification (they're paying retail card rates)
• Interest in surcharging but unsure if they can implement it

How Payment Hub Helps

Payment Hub is processor-agnostic by design. Because the payment gateway is implemented as a plugin layer separate from the ERP connector, clients can work with any supported processor — or switch processors — without changing their ERP or the portal. This unlocks competitive pricing, Level II/III qualification, and surcharging options regardless of ERP constraints.

Why This Matters

B2B customers increasingly expect the same self-service convenience they get from consumer apps. When businesses can't provide it, their AR teams absorb the work — fielding calls about invoice status, balance inquiries, and payment confirmations. This drives up overhead and slows collections. A self-service portal removes that friction for both sides.

Listen For

• AR team spending significant time on invoice-status calls
• Customers requesting email copies of invoices frequently
• Manual processes for sending statements (print, mail, scan)
• Slow collections — days sales outstanding (DSO) is high
• Customers complaining about not being able to see their account balance

How Payment Hub Helps

Payment Hub provides a fully self-service portal where customers can: view all invoices with real-time aging visualization, filter and sort their invoice history, download PDFs, pay single or multiple invoices at once, apply account credits, download monthly statements, and manage their saved payment methods — all without involving your AR team. Automated notifications handle invoice alerts, payment confirmations, and statement availability.

Why This Matters

Many distributors and service businesses need to trigger charges at specific events — when an order ships, when a membership or subscription renews, or on a fixed billing schedule. Doing this manually is time-consuming, error-prone, and scales poorly. Automating it requires a payment infrastructure that can be triggered programmatically.

Listen For

• Manual billing processes for recurring customers
• Subscription or membership businesses that bill on renewal dates
• "We charge on shipment" workflows that currently require manual steps
• Interest in reducing manual accounts receivable tasks

How Payment Hub Helps

The Virtual Terminal interface allows AR teams and sales reps to process charges programmatically — including emulating the client account to charge saved payment methods, managing recurring billing, and triggering payments at shipping or renewal events. Customers receive automatic notifications for each charge, and all transactions are logged and synchronized back to the ERP.

Why This Matters

Credit card processing fees in B2B environments can be substantial — often 2.5%–3.5% per transaction. Many businesses are overpaying because they're not qualifying for Level II/III interchange rates (which can reduce fees by 0.5%–1.5%) or because they're locked into a processor with above-market rates. This is often a six-figure annual cost issue for mid-size distributors.

Listen For

• High monthly processing costs as a stated pain point
• "We don't know if we're getting the best rate"
• No current Level II/III qualification (likely leaving money on the table)
• Willingness to review their merchant processing statement

How Payment Hub Helps

Payment Hub provides processor flexibility (shop for better rates), automatic Level II/III interchange data pre-fill (qualify for lower interchange tiers), and surcharging capability (pass fees to customers where legally permitted). Partners can request a merchant statement review to quantify the potential savings before a prospect commits.

Why This Matters

Surcharging — automatically calculating and adding the processing fee to the transaction total when a customer pays by card — is legal in 45 U.S. states. Many businesses aren't aware this is an option, or assume it requires complex legal compliance work. Done correctly with proper disclosure, it can completely eliminate credit card processing costs for the business.

Listen For

• Frustration with absorbing processing fees as a cost of doing business
• Competitors who already surcharge (they've seen it in the market)
• Interest in switching more customers to ACH to avoid card fees
• Questions about legality or customer acceptance of surcharging

How Payment Hub Helps

Payment Hub has built-in surcharge support that automatically calculates the applicable fee, displays it transparently to the customer before payment confirmation (ensuring informed consent and legal compliance), and includes it in the transaction total. ACH payments are typically excluded from surcharges. The platform handles the surcharge logic so businesses don't need to manage it manually.