CardConnect vs Chargezoom
payment processing head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Quote-based / contact sales | Free pay-per-transaction plan, plus flat-fee Plus/Enterprise subscription tiers |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market, Enterprise | — |
| Stated ERP integrations | SAP, Oracle Fusion Cloud | QuickBooks, NetSuite, Xero, Sage Intacct, Acumatica, Microsoft Dynamics 365 |
| Vendor | CardConnect (a Fiserv company) | Chargezoom, Inc. |
Our take
Where CardConnect leads
- Stronger evidenced coverage on 9 of the 16 capabilities where they differ (led by point-to-point encryption (p2pe) and native erp module / embedded processing).
- Stated SAP, Oracle Fusion Cloud integration the alternative doesn't list.
Where Chargezoom leads
- Stronger evidenced coverage on 7 of the 16 capabilities where they differ (led by payment links & hosted pages and electronic invoicing with embedded payment).
- Stated QuickBooks, NetSuite, Xero, Sage Intacct, Acumatica, Microsoft Dynamics 365 integration the alternative doesn't list.
Where they differ
The 16 capabilities (of 50 in the payment processing taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| Payment links & hosted pagesPayment Acceptance & Channels | Not evidenced | Core strength Individual/batch email invoicing with embedded payment links |
| Electronic invoicing with embedded paymentBilling & Receivables | Not evidenced | Core strength Invoicing & AI-Driven AR Automation is the flagship module |
| Automated dunning & retryBilling & Receivables | Not evidenced | Core strength AVA AR Agent: 24/7 autonomous invoice follow-up and collections |
| Customer self-service billing portalBilling & Receivables | Not evidenced | Core strength Dedicated 24/7 self-service billing portal |
| Point-to-point encryption (P2PE)Tokenization & Security | Core strength PCI-validated point-to-point encryption | Not evidenced |
| Native ERP module / embedded processingERP & Accounting Integration | Core strength ERP middleware integrating authorization, reversals and settlement into ERP workflows | Not evidenced |
| Virtual terminalPayment Acceptance & Channels | Supported CardPointe Virtual Terminal | Not evidenced |
| Settlement & funding reportingGlobal Reach & Money Movement | Supported Real-time full transaction lifecycle reporting | Not evidenced |
| 3-D Secure / strong customer authenticationFraud, Risk & Authentication | Supported 3-D Secure support | Not evidenced |
| Compliant credit-card surchargingBilling & Receivables | Not evidenced | Supported Compliant surcharging |
| White-label embedded-payments SDKEmbedded Finance & Platform Payments | Core strength CardPointe Integrated Payments: APIs/SDKs for embedding payments into third-party software | Partial REST API access for custom integrations, not a white-label embedded SDK |
| PCI DSS Level 1 certified infrastructureTokenization & Security | Partial PCI compliance managed via a third-party integration (Trustwave), not stated as own Level 1 cert | Core strength PCI-DSS Level 1 compliant card vault |
| Unified transaction dashboardReporting & Reconciliation | Supported CoPilot consolidated payment-processing reporting | Not evidenced |
| Native mobile SDKsDeveloper Platform & Checkout Tools | Supported CardPointe Mobile App, native iOS/Android | Not evidenced |
| Credit & debit card processingPayment Acceptance & Channels | Core strength EMV support, core acquiring business | Supported Credit card acceptance |
| Recurring / subscription billingBilling & Receivables | Supported Recurring billing | Core strength Recurring Billing & Subscriptions module |
Both grade identically on the other 34 capabilities — see each product's full profile: CardConnect, Chargezoom.
CardConnect vs Chargezoom — FAQs
Is CardConnect or Chargezoom better for ERP integration?
They state different ERP coverage: CardConnect lists SAP, Oracle Fusion Cloud; Chargezoom lists QuickBooks, NetSuite, Xero, Sage Intacct, Acumatica, Microsoft Dynamics 365.
Which is cheaper, CardConnect or Chargezoom?
Neither publishes a list price — both quote. Ask each for the all-in first-year cost at your seat count, as one number, and compare those.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what CardConnect and Chargezoom should each cost you — and whether a third option belongs on your shortlist.