PayTrace B2B Payment Gateway: Overview for Bilixe Directory

Introduction to PayTrace

PayTrace is a strong, PCI-compliant payment gateway and complete merchant services platform designed specifically for B2B and B2G businesses. Founded in the Pacific Northwest, PayTrace provides flexible payment options, including online, in-person, and mobile. The platform emphasizes automation, interchange optimization, deep integrations, and outstanding support.

Who Should Use PayTrace?

PayTrace is designed for:

• B2B merchants and government contractors (GSA SmartPay® card acceptance)

• Companies needing accounts receivable automation and electronic invoicing

• ISVs, ERP providers, or software platforms seeking to embed payments via API

• Businesses looking to qualify for Level II and Level III interchange savings

• Firms desiring integrated gateway + merchant account solutions with flexible options

Key Capabilities & Features

Flexible Payment Acceptance

• Accept payments online, in-person, over the phone, or via mobile devices

• Options include a browser-based virtual terminal, Pay Now buttons, hosted payment forms (Protect.js), and text-to-pay or e-invoice payment links

• Support for credit/debit cards and ACH (eCheck) payments

Accounts Receivable Automation (Trace AR™)

• Digital invoicing, embedded payment links, and a client portal reduce invoice-to-cash cycles from around 28 days to just 1 day

• Automates AR workflows such as invoice delivery, payment tracking, and reconciliation within ERP or accounting systems

• Recurring billing and payment link functionality improve operational efficiency

Interchange Optimization (Levels II & III)

• Automatically optimizes transactions to qualify for Level II and Level III interchange rates, unlocking significant processing fee savings for B2B and B2G payments

• Has processed billions of dollars in Level II/III eligible volume annually

Deep Integrations & Embedded Payments

• PayTrace offers a JSON REST API with OAuth 2.0 authentication for seamless integration into software platforms

• Dozens of pre-configured integrations for ERP, accounting, and e-commerce platforms, including QuickBooks Online, NetSuite, Acumatica, and Microsoft Dynamics

• Software vendors can become Integration Partners, embedding PayTrace to drive revenue and minimize AR friction

Security & Compliance

PCI DSS & Encryption

• Fully compliant with PCI DSS Level 1 standards

• Supports client-side encryption via JavaScript (Protect.js iframe), which reduces PCI scope by preventing cardholder data from touching merchant servers

• Tokenization and encryption ensure that sensitive data remains secure

Data Protection & Vaulting

• Customer payment data, including cards and banking details, can be securely stored in PayTrace’s vault for recurring billing and reduced compliance burden

• Features include CVC verification, AVS support, and advanced fraud detection techniques

• Tokenization ensures repeat customers can be charged securely without re-entering data

Integration Options & Developer Experience

API & Developer Resources

• A RESTful JSON API using OAuth 2.0, with API v1 in production and API v3 rolling out

• Developers have access to a sandbox environment, Postman collections, and test credentials

• Authorizations complete in 3–6 seconds, and the API supports creating customer profiles and sending email receipts

Pre-built Integrations & Plugins

• Plugin support for platforms such as WooCommerce and Magento 2

• These plugins support card and ACH payments, recurring billing, encrypted forms, automatic refunds, direct capture, and order-level integration

• Extensions leverage PayTrace’s APIs and token vault to provide secure on-site checkout experiences

Embedded Payments & Partnerships

• ISVs and ERP providers can become Integration Partners to embed PayTrace payments directly within their applications

• Partners receive sandbox access, co-branded marketing materials, onboarding assistance, and revenue-sharing options

Reliability, Support & Performance

Uptime & Service

• Designed for 99.98% uptime across all payment channels

• Offers free 5-star rated customer support, staffed by real agents based in the Pacific Northwest, with extended business hour availability

Merchant Services

• Provides all-in-one merchant account services, including next-day or same-day settlement options

• Supports multiple gateway options or can act as a standalone full-stack provider through its parent company

• Features include virtual terminal, recurring billing, token vault, and ACH processing with no added gateway fee

Conclusion

PayTrace offers a reliable and secure gateway experience for businesses in the U.S. Whether you are a merchant looking to reduce accounts receivable friction or a developer integrating payments into an ERP, PayTrace is a top choice for efficient and low-cost B2B payment processing.