It makes sense that your payment gateway should link to your accounting software. So, why pay the middle-man fee when you can do it directly?
Many companies pay hefty fees to invoicing platforms like Bill.com, ChargeZoom, or Chargebee. These platforms are popular but essentially act as middlemen. They might charge flat rates or, worse, take a percentage of every invoice you collect. You don’t need them.
If you already use QuickBooks, QuickBooks Online (QBO), or Xero for accounting, you can connect your payment gateway directly and eliminate unnecessary fees.
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The Unnecessary Cost of Invoicing Platforms
Invoicing platforms promise convenience, but that convenience comes at a price. Many businesses don’t realize how much money they lose to these middleman services until they calculate annual costs.
ChargeZoom charges both monthly fees and transaction fees. Chargebee takes a percentage of your revenue. Bill.com adds processing fees on top of subscription costs.
When you process thousands or even millions in annual revenue, these fees add up quickly.
These platforms essentially duplicate work you’re already doing in your accounting software. You enter customer information, create invoices, track payments, and reconcile accounts. These are all tasks your accounting platform already handles. The invoicing software creates an extra step in your workflow rather than simplifying it.
Your Accounting Software Already Does the Heavy Lifting
QuickBooks, QuickBooks Online, and Xero exist specifically to manage your financial operations. They track income, expenses, inventory, payroll, and yes—invoicing. These platforms offer many invoicing features that both small business owners and large enterprises trust.
When you create an invoice in QBO or Xero, you’ve already entered all the necessary information: customer details, line items, amounts, due dates, and payment terms. Your accounting software stores this data and organizes it for reporting and tax purposes.
Adding a separate invoicing platform means duplicating this work or creating complex sync procedures that can fail or create discrepancies.
Your accounting software is the only source you need. You create invoices where you already work, and your payment gateway processes the transactions seamlessly in the background.
How Payment Gateways Link with Accounting Software
A payment gateway serves as the digital equivalent of a point-of-sale system for online and remote transactions. When a customer pays an invoice, the payment gateway securely transmits the card data through payment networks to the issuing bank for authorization. The acquiring bank then deposits the funds into your merchant account.
Modern payment gateways offer integrations that connect directly to your accounting platform. When you send an invoice, the integration automatically creates a secure payment link. Your customer clicks the link, enters their payment information, and the gateway handles the transaction.
The payment gateway sends confirmation back to your accounting software, which automatically marks the invoice as paid and records the transaction.
You save time because you don’t manually update payment statuses or reconcile multiple systems. Everything happens in one place.
Security Without Compromise
Payment security concerns every business owner, especially those handling sensitive card data. Payment gateways work under strict PCI DSS compliance standards, ensuring that customer payment information stays protected throughout the transaction process.
When you use a direct gateway integration, you maintain the same security standards that invoicing platforms provide without the extra cost.
The payment gateway encrypts data, tokenizes sensitive information, and processes transactions through secure payment networks. Your customers’ financial information never touches your servers, protecting both them and your business from data breaches.
PCI DSS compliance is non-negotiable. A good payment gateway handles this compliance for you, reducing your liability and protecting your reputation.
Flexibility for Growing Businesses
As your business grows, your payment processing needs evolve. A flexible payment gateway scales with your business, supporting various payment methods without forcing you to adopt new platforms. Your merchant account handles payment processing through the same system. This leads to simplified reporting, reconciliation, and cash flow management.
Small business owners particularly benefit. You don’t want to invest time and money into learning complex invoicing software when your accounting platform already handles invoicing. You need solutions that grow with you without creating bottlenecks.
Making the Switch
At DirectPayNet, we understand that businesses need efficient, cost-effective solutions. We can connect your gateway directly to QuickBooks, QuickBooks Online, and Xero, allowing you to leverage your existing accounting infrastructure without paying for redundant invoicing software.
We connect you with a gateway that supports multiple payment methods, including credit card processing, ACH transfers, and digital wallets. Whether your customers prefer to pay from their bank accounts or use their favorite payment method, we facilitate the transaction without adding unnecessary complexity to your operations.
The Bottom Line
Every dollar you save on unnecessary platform fees flows directly to your bottom line. Every minute you save by eliminating duplicate data gives you more time to focus on growing your business. By connecting your payment gateway directly, you achieve both cost savings and operational efficiency.
Invoicing platforms served a purpose when accounting software lacked payment integration options. Those days have passed. Modern accounting platforms combined with advanced payment gateways offer everything businesses need to manage accounts receivable professionally and efficiently.
At DirectPayNet, we help businesses eliminate the middleman and keep more of their revenue.
Stop paying for redundant services. Connect your payment gateway directly to your accounting software and discover how much you can save while simplifying your operations. Your accounting platform already handles invoicing, let it handle payment collection too.