PaySec + NetSuite: Enterprise Payment Processing with Zero Fees
How mid-market and enterprise organizations using Oracle NetSuite are integrating PaySec to eliminate credit card processing fees across their entire financial operation.
Oracle NetSuite is the ERP of choice for growing companies that need unified financials, CRM, inventory, and e-commerce on a single platform. When you're running your entire business through NetSuite, payment processing fees become a significant — and entirely eliminable — cost center.
PaySec's NetSuite integration brings Network Offset Pricing to your ERP-managed payments, syncing seamlessly with NetSuite's financial modules.
Processing Fees at Mid-Market Scale
NetSuite customers typically process significant payment volume across multiple channels:
| Revenue Stream | Monthly Volume | Processing Rate | Monthly Cost |
|---|---|---|---|
| Invoice payments (AR) | $200,000 | 2.5% | $5,000 |
| E-commerce (SuiteCommerce) | $150,000 | 2.7% | $4,050 |
| POS/retail | $80,000 | 2.3% | $1,840 |
| Total | $430,000 | — | $10,890 |
Annual processing cost: $130,680
For a company operating at 15% net margin, that $130K in fees requires nearly $900K in additional revenue to offset.
Integration Architecture
PaySec connects to NetSuite through SuiteScript integration and REST APIs:
Accounts Receivable
- Invoice payments: Customers paying NetSuite invoices see dual pricing on the payment portal
- Automatic application: Payments apply to open invoices in NetSuite when received
- Cash receipts: PaySec transactions create cash receipt records automatically
- Deposit sync: Daily settlement deposits reconcile with NetSuite bank statements
SuiteCommerce
- Storefront pricing: Dual pricing displays on SuiteCommerce product pages and checkout
- Order management: Orders flow into NetSuite with proper payment records
- Returns/credits: Refund processing handled with appropriate accounting entries
Financial Close
- No fee accruals needed: With zero processing fees, month-end close eliminates an entire expense category
- Clean revenue recognition: Revenue records aren't muddied by fee deductions
- Simplified bank reconciliation: Deposits match expected amounts without fee subtraction
How Network Offset Pricing Appears in NetSuite
Customer-Facing (Invoice Portal)
Invoice #INV-10452
Due: $12,500.00
Select Payment Method:
○ ACH/Wire Transfer — $12,500.00
○ Credit/Debit Card — $13,000.00
[Pay Now]NetSuite Record (Cash Receipt)
| Field | Value |
|---|---|
| Customer | ABC Corp |
| Payment Amount | $12,500.00 |
| Applied to Invoice | INV-10452 |
| Payment Method | Credit Card (via PaySec NOP) |
| Processing Fee | $0.00 |
| Net Deposit | $12,500.00 |
Enterprise Features
Multi-Subsidiary Support
For organizations with multiple NetSuite subsidiaries:
- Configure PaySec per subsidiary with separate merchant accounts
- Each subsidiary maintains independent pricing and settlement
- Consolidated reporting across all entities available in PaySec dashboard
- Intercompany transactions excluded from NOP (internal transfers)
Role-Based Access
PaySec's NetSuite integration respects NetSuite role permissions:
- Finance teams access full transaction reporting
- AR clerks can process payments and refunds
- Management sees dashboard summaries
- IT administers integration configuration
Custom Record Integration
For businesses with custom NetSuite workflows:
- PaySec supports SuiteScript hooks for custom payment flows
- Saved search integration for payment reporting
- Custom fields available for PaySec transaction metadata
- Workflow triggers on payment events
Approval Workflows
NetSuite approval workflows integrate with PaySec:
- Large refunds route through approval before processing
- Payment threshold alerts for unusual transactions
- Audit trail maintained in NetSuite for all PaySec actions
Migration Path
Moving from NetSuite's native payment options (or third-party NetSuite payment integrations) to PaySec:
| Phase | Duration | Activities |
|---|---|---|
| Assessment | 1 week | Review current payment flows, volume, channels |
| Configuration | 3-5 days | PaySec setup, NetSuite bundle installation |
| Testing | 1-2 weeks | End-to-end testing across payment scenarios |
| Parallel Run | 2 weeks | Both old and new systems active for comparison |
| Cutover | 1 day | Switch primary processing to PaySec |
Total: 5-6 weeks for enterprise implementations
ROI Analysis
| Metric | Before PaySec | After PaySec |
|---|---|---|
| Monthly processing cost | $10,890 | ~$0 |
| Annual processing cost | $130,680 | ~$0 |
| 3-year cost (with growth) | $430,000+ | ~$0 |
| Implementation cost | — | One-time setup |
| Payback period | — | < 30 days |
Technical Requirements
| Component | Requirement |
|---|---|
| NetSuite Edition | Standard or Premium |
| SuiteScript | 2.0+ |
| Integration Method | SuiteBundle + REST API |
| PCI Scope | SAQ-A (PaySec handles card data) |
| SuiteCommerce | Advanced or Standard |
| Sandbox Testing | Full sandbox support included |
Getting Started
PaySec provides dedicated enterprise onboarding for NetSuite customers:
- Schedule a technical assessment call
- PaySec team reviews your NetSuite configuration and payment flows
- Receive a custom implementation plan with projected savings
- Install the PaySec SuiteBundle in your sandbox
- Complete testing and validation
- Go live with zero-fee processing
PaySec's NetSuite integration delivers enterprise-grade payment processing with zero effective fees — purpose-built for mid-market organizations serious about margin optimization.