EBizCharge Review

EBizCharge is an embedded payment gateway and integrated merchant services platform that simplifies credit card, debit card, and ACH payment processing directly inside accounting, ERP, CRM, and ecommerce systems.

How EBizCharge pricing works

EBizCharge does not publish rates. Pricing is quoted per merchant after a sales conversation, shaped by your processing volume, card mix (B2B card-not-present versus retail), and which ERP or accounting integrations you need. The company operates as a registered ISO of several large banks — Wells Fargo, PNC, U.S. Bank, Synovus, Pathward, and Elavon among them — so the underwriting bank behind your account also influences the final schedule. Three cost claims are advertised publicly and worth holding the company to in writing: no hidden fees, $0 support costs, and $0 cancellation costs — and our review found no statement fee. That combination, especially the absence of an early-termination penalty, is genuinely uncommon in integrated ERP payments.

Where the value case actually sits

Because rates are negotiated, EBizCharge rarely wins on headline price alone. Its case is operational: payments post automatically into QuickBooks, NetSuite, Sage, Dynamics, Epicor, or SAP instead of being keyed twice, and the AR stack — Email Pay links, the customer payment portal, Auto Pay — accelerates collections. The company cites a customer whose average days-sales-outstanding dropped from roughly 45 days to 5. Price the quote against that reconciliation and collections labor, not just against another processor's rate.

Funding timing

No standard payout schedule is published. Deposit timing depends on the acquiring bank underwriting your account, so treat the funding schedule as a quote item: ask for it, along with any reserve policy, before you sign rather than after your first batch.

What to pin down before you sign

Get the complete fee schedule in writing — rates by card type, monthly and PCI fees, chargeback fee — since none of it is published. Confirm the $0 cancellation cost in the contract itself, and when you do cancel, do it in writing and verify billing stops: continued post-cancellation billing is the most common complaint theme in otherwise thin review volume. Finally, confirm your specific ERP version is supported before underwriting, not after.