PaySec + Acumatica: Cloud ERP with Zero Credit Card Processing Fees
How growing businesses on Acumatica are integrating PaySec's Network Offset Pricing to eliminate processing fees while scaling their operations.
Acumatica is the cloud ERP built for growing mid-market businesses — offering unlimited users, flexible deployment, and industry-specific editions for distribution, manufacturing, construction, and retail. Mid-market companies are increasingly migrating to Acumatica from legacy ERP systems like Sage 100, older versions of NetSuite, and on-premise solutions that can't keep pace with modern business requirements. As your business scales on Acumatica, so does your payment volume — and without Network Offset Pricing, your processing fees scale right alongside it.
PaySec's Acumatica integration eliminates that scaling cost entirely.
How Network Offset Pricing Works with Acumatica
Network Offset Pricing (NOP) is a dual pricing model that presents your customers with two transparent options at the point of payment. When a customer pays an Acumatica invoice or makes a purchase through your connected storefront, they see both a cash/ACH price and a card price. The card price includes a small offset that covers the cost of card processing.
For example, on a $10,000 B2B invoice:
- ACH/wire payment: $10,000.00
- Credit card payment: $10,400.00
The customer chooses their preferred method. Either way, your business receives the full $10,000. This approach is legal in all 50 states, fully compliant with Visa and Mastercard network rules, and requires no contracts or volume minimums from PaySec. Approval typically takes just 3-5 business days.
The Scaling Fee Problem
Acumatica's unlimited-user pricing model means you don't pay more as your team grows. But your payment processor doesn't share that philosophy:
| Annual Growth | Year 1 Volume | Year 3 Volume | Year 3 Annual Fees (2.6%) |
|---|---|---|---|
| 20% growth | $1.2M | $1.7M | $44,928 |
| 40% growth | $1.2M | $2.4M | $61,776 |
| 60% growth | $1.2M | $3.1M | $79,872 |
As you grow, processing fees grow proportionally — unless you're on Network Offset Pricing, where your effective rate stays at zero regardless of volume.
Integration with Acumatica
Accounts Receivable
PaySec connects to Acumatica's AR module as a payment processing provider:
- Invoice payment links include dual pricing (ACH and card)
- Customer portal shows both payment options before submission
- Payments auto-apply to open invoices in Acumatica
- Cash receipts and bank deposits reconcile automatically
Commerce Edition
For businesses using Acumatica's Commerce Edition with connected storefronts:
- Shopify, BigCommerce, and WooCommerce connectors pass transactions through PaySec
- Dual pricing displays at the storefront level
- Orders sync to Acumatica with proper payment records
- No processing fees on any channel
Construction Edition
Construction businesses on Acumatica process large progress payments:
| Payment Type | Typical Amount | Standard Fee (2.5%) | With PaySec |
|---|---|---|---|
| Progress billing | $50,000 | $1,250 | $0 |
| Retainage release | $25,000 | $625 | $0 |
| Change orders | $15,000 | $375 | $0 |
| Final payment | $80,000 | $2,000 | $0 |
A single construction project can save $4,000+ in processing fees.
Distribution Edition
Distributors processing high-volume B2B payments:
- Customer-specific pricing maintained (NOP offset calculated on final price)
- Payment terms integration (Net 30 invoices with PaySec payment portal)
- Bulk invoice payment support
- Credit limit management unaffected
Industry-Specific Savings
| Acumatica Edition | Typical Monthly Volume | Annual Savings |
|---|---|---|
| General Business | $100,000 | $31,200 |
| Distribution | $300,000 | $93,600 |
| Manufacturing | $200,000 | $62,400 |
| Construction | $250,000 | $78,000 |
| Commerce | $150,000 | $46,800 |
Technical Details
| Feature | Specification |
|---|---|
| Acumatica Version | 2022 R2+ |
| Integration Type | Custom screen / payment plugin |
| API | Acumatica REST API + PaySec API |
| PCI Scope | SAQ-A |
| Multi-Entity | Supported (per-branch configuration) |
| Deployment | Cloud, private cloud, or hybrid |
| Customization | Acumatica Customization Framework compatible |
Implementation
| Step | Timeline |
|---|---|
| Discovery & design | 1 week |
| Module configuration | 3-5 days |
| Testing & validation | 1-2 weeks |
| Go-live | 1 day |
| Total | 3-4 weeks |
Who Benefits Most?
While any Acumatica user processing card payments will see savings, certain profiles benefit most from the PaySec integration:
- High-growth distributors processing increasing B2B order volumes where fees compound as the business scales
- Construction firms handling large progress payments where a single transaction can generate hundreds in processing fees
- Multi-entity organizations managing several companies under one Acumatica roof, each with its own payment stream
- E-commerce operators using Acumatica Commerce Edition with connected storefronts generating consistent card-heavy sales
- Manufacturers accepting payment on large custom orders where each invoice carries significant card processing exposure
If your Acumatica instance processes more than $50,000/month in card payments, the ROI on switching to PaySec is immediate and measurable.
Getting Started
- Contact PaySec for an Acumatica-specific assessment
- Review your payment flows (AR, commerce, field service)
- Install and configure PaySec payment module
- Test across all payment scenarios
- Go live with zero-fee processing
PaySec works with Acumatica VARs and implementation partners to ensure smooth deployment. There are no contracts, no monthly minimums, and approval typically takes 3-5 business days. PCI Level 1 compliance is included, so your payment security posture actually improves alongside your cost savings.
PaySec + Acumatica: the cloud ERP that scales without limits meets payment processing that scales without fees.