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RIBBONCHARGE PAYMENT GATEWAY

A modern gateway built around how you get paid.

Accept card and ACH payments through your online store, virtual terminal, hosted payment page, invoices, payment links, recurring billing, and integrated business systems – all from one platform.

Use ribbonCharge with a compatible existing merchant account or pair it with a new ribbonPay merchant account.

Connectivity across payment processors, commerce and business software.

ribbonCharge connects to supported card and ACH processors, shopping carts, ERP platforms, CRM systems, accounting tools, and specialized business software. Merchants can often retain an existing compatible merchant account while ribbonPay handles gateway configuration and migration.

Select compatible platforms and processors

Fiserv

TSYS

Paya

VCI

WooCommerce

Magento

Shopify

OpenCart

Odoo

NetSuite

QuickBooks

Salesforce

Full compatibility list

Open a category to review additional supported processors, commerce platforms, and business systems.

Card processors
  • Fiserv / First Data
  • TSYS / Global Payments
  • American Express ESA
ACH/eCheck processors
  • Paya
  • VeriCheck / VCI
  • Maverick
  • Unity FI
E-commerce and forms
  • Shopify
  • WooCommerce
  • Magento 2
  • FutureEcom
  • OpenCart
  • Foxy.io
  • CheckoutChamp
  • GiveWP
  • Gravity Forms
ERP and business systems
  • NetSuite
  • Acumatica
  • Microsoft Dynamics GP
  • Microsoft Dynamics 365 Finance & Operations
  • Microsoft Dynamics 365 Business Central
CRM, accounting, and AR systems
  • Salesforce
  • Odoo
  • Zoho
  • Konnektive
  • Biller Genie
  • Hyfin
  • QuickBooks integration by Verosa
  • Sage 100
  • Sage Intacct
  • Maxyfi
Other supported systems
  • Equinox EMV devices
  • Restolabs
  • Visual Retail Plus

LOWER COSTS ON QUALIFYING COMMERCIAL CARDS

Automatically supply the data that can lower interchange.

Commercial, purchasing, corporate, and government cards can qualify for lower interchange categories when the transaction includes the required enhanced data. ribbonCharge automates that data flow where supported, reducing manual work and helping qualifying transactions reach the appropriate interchange category.

Eligible commercial-card transactions may receive interchange rates approximately 0.65%–1.25% lower than standard commercial-card categories when the required Level 2 or Level 3 data is supplied.

01

Identify the commercial card

The gateway identifies the card and transaction data available for optimization.

02

Supply eligible enhanced data

Supported transactions receive the required Level 2 or Level 3 fields automatically.

03

Reach the appropriate category

Qualifying transactions can reach the applicable commercial-card interchange category.

ONE GATEWAY, MULTIPLE PAYMENT FLOWS

Accept payments wherever your customers are ready to pay.

Use the payment flow that fits the sale; from an e-commerce checkout to an invoice, payment link, hosted page, recurring schedule, or transaction entered by your team.

E-commerce checkout

Connect ribbonCharge to a supported shopping cart or custom integration and keep the payment experience inside your normal online sales flow.

Virtual terminal

Enter card or ACH transactions securely from a browser when a customer pays by phone, mail, or another assisted channel.

Branded hosted payment page

Give customers a secure standalone payment page designed by ribbonPay using your logo, colors, and business information.

Email and text invoicing

Create and send branded invoices, track payment status, and give customers a direct way to pay.

Payment links

Create a simple link for a specific payment and share it by email, text, or another customer communication channel.

Recurring and scheduled billing

Set up repeat or scheduled payments and manage them from the same gateway account.

A CLEANER WAY TO RUN PAYMENTS

Everything your team needs, without a clunky process.

ribbonCharge brings everyday payment tasks into one organized interface, so employees can complete the work they need without navigating multiple disconnected tools.

Process transactions

Enter card and ACH transactions in one workflow, work with saved customers where appropriate, configure transaction fields, and see clear transaction status.

Invoice and collect

Create branded invoices, send payment requests, track invoice status, and store reusable products and services where supported.

Store customers and control access

Use the customer vault and tokenized payment methods, review transaction and customer history, manage additional users and permissions, and view reporting or multi-MID activity where available.

Built-in tools that keep payments moving.

Accept and automate

Store and manage

Optimize and protect

Optional add-ons

Branded hosted payment page

Card updater

3-D Secure

ACH/eCheck

Full gateway feature list

Everything the gateway can do.

Open a category to explore every included capability and the services available separately.

Included Core gateway capabilities
Accept & invoice 13 features
  • E-commerce checkoutConnect online checkout
  • Virtual terminalEnter assisted payments
  • Payment linksShare a payment URL
  • Email invoicingCollect by email
  • Text invoicingCollect by text
  • Branded invoicesKeep your brand visible
  • Payment requestsSend direct pay requests
  • Invoice status trackingFollow payment progress
  • Products/services catalog Where supportedBuild invoices faster
  • Recurring billingAutomate repeat charges
  • Scheduled billingPlan future charges
  • Batch uploadProcess payments in bulk
  • Digital walletsOffer more ways to pay
Customers & team 10 features
  • Saved customersSpeed transaction entry
  • Customer vaultSpeed repeat payments
  • TokenizationReduce credential exposure
  • Transaction/customer historyFind past activity
  • Additional usersAdd team access
  • Custom permissionsLimit access by role
  • ReportingReview payment activity
  • Multi-MID capabilitiesCentralize multiple MIDs
  • Configurable transaction fieldsFit your workflow
  • Transaction statusConfirm payment outcomes
Optimize & control 7 features
  • Level 2/3 optimizationLower eligible interchange
  • Basic fraud controlsFilter risky transactions
  • Risk scoringSurface higher-risk payments
  • AVS/CVV controlsAct on verification results
  • Dual-pricing toolsOffer payment choices
  • Surcharge toolsAutomate configured surcharges
  • Custom batch timesMatch your closeout schedule
Build 1 feature
  • API accessBuild custom workflows
Optional Available separately
Optional services 4 features
  • Branded hosted payment pageLaunch a branded pay page
  • Card updaterKeep stored cards current
  • EMV 3-D SecureAdd issuer authentication
  • ACH/eCheck processingAccept bank payments

Card processing and ACH/eCheck require separate accounts. Third-party integration charges may apply.

SECURITY AND CONTROL

Protect payment data and control how your team works.

Secure customer vault and tokenization

Store reusable customer payment profiles through tokenized gateway records rather than exposing full payment credentials to everyday users.

User permissions

Create additional users and limit access based on the tasks each employee needs to perform.

Fraud, AVS, and CVV controls

Configure basic transaction filters, risk controls, and AVS/CVV response handling to support the merchant’s payment workflow.

Optional 3-D Secure

Optional EMV 3-D Secure adds issuer authentication and can shift liability for eligible fraud-coded chargebacks on authenticated or attempted transactions. Additional fees apply.

TRANSPARENT PRICING

Simple gateway pricing.

Gateway account
ItemPrice
Monthly gateway fee$29/month
Gateway transactions$0.10 each
Batches$0.10 each
Setup fee$0
Invoicing, recurring billing, additional users & payment linksIncluded
Contract term & early termination fee (ETF)None
Optional gateway services
ItemPrice
Branded hosted payment page$20/month
Card updater$15/month + $0.50 per successful update
3-D SecureAdditional fees apply

A PRACTICAL SWITCHOVER

Move quickly without rebuilding your entire payment operation.

01

Confirm compatibility

ribbonPay reviews the merchant account, processor, payment flows, shopping cart, and connected business systems.

02

Configure ribbonCharge

The gateway account, users, transaction settings, fraud controls, and included tools are configured for the merchant’s operation.

03

Connect and migrate

ribbonPay connects supported systems and manages the changeover. Stored cards and recurring schedules may be transferable depending on the outgoing platform and provider.

04

Test and launch

The integration is tested before live processing begins, using sandbox resources where applicable.

FOR DEVELOPERS AND IMPLEMENTERS

Documentation and test resources when you need them.

API Documentation

Review the ribbonCharge API documentation for authentication, transaction workflows, customer records, and integration endpoints.

Sandbox Testing Guide

Download the sandbox guide for card and ACH test values, expected approvals and declines, processor-specific behavior, and simulated timeout responses.

Integration Assistance

Need help with a processor, plugin, ERP, CRM, shopping cart, or custom workflow? ribbonPay can help confirm the supported integration path and coordinate implementation.

Ready for a gateway that fits the way you get paid?

Schedule a 15-minute consultation to review your payment flows, processor compatibility, integrations, migration needs, and gateway pricing.