Chargezoom
by Chargezoom, Inc. · Payment Processing
AI-driven AR automation and payment processing with two-way QuickBooks/NetSuite sync.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
- QuickBooks
NetSuiteXero
Sage Intacct
Acumatica
Microsoft DynamicsFreshBooksRillet - Deployment
- Cloud
- Pricing
- Free pay-per-transaction plan, plus flat-fee Plus/Enterprise subscription tiers
- Founded
- 2020
- Headquarters
- Holladay, Utah, United States
Overview
Chargezoom is a cloud-based accounts receivable (AR) automation and payment-processing platform for businesses that invoice and collect payments through an accounting system. It markets itself as an AI-native AR platform embedded directly in your ERP, built around AVA, an AI agent Chargezoom describes as an autonomous operator of the invoice-to-cash cycle rather than an assistive dashboard.
The platform combines invoicing, recurring/subscription billing, credit card, ACH and e-check payment acceptance (including compliant surcharging), a PCI-DSS Level 1 credit card vault, and a branded customer self-service portal. AVA applies machine learning to each customer payment-timing behavior to schedule invoice delivery and follow-up outreach, while a related feature, Payment Graph, aggregates payment-behavior data across Chargezoom merchant base to inform collection timing and risk signals.
Chargezoom syncs in real time and bidirectionally with QuickBooks and NetSuite, and documents further connectors for Xero, Sage Intacct, Acumatica, Microsoft Dynamics, FreshBooks and Rillet; bundled accounting-system sync is available starting on its Plus plan. Pricing runs from a free, pay-per-transaction tier through flat-fee Plus and Enterprise tiers priced by annual processing volume. The company is headquartered in Holladay, Utah, was founded in 2020 per its LinkedIn profile, and operates as a Visa-registered service provider and registered agent of Fiserv, Inc. and NorthAB, LLC.
Features & capabilities
Invoicing & AI-Driven AR Automation
Automated invoice creation and AI-managed collections via the AVA AR Agent.
- Individual or batch email invoicing with embedded payment links
- Scheduled email/text payment reminders
- AVA AR Agent: an autonomous AI operator that times invoice delivery, follow-ups and reconciliation without manual intervention
- Payment-behavior-pattern learning used to adapt collection strategy per customer
- 24/7 always-on collection activity, not limited to business hours
- Real-time payment notifications
- Company-branded invoice templates
Recurring Billing & Subscriptions
Automated charge processing for subscription and recurring-payment plans.
- Configurable subscription/recurring billing plans
- Automated charge processing each billing cycle
- Trial-period support with conversion workflows
- Automatic retry and card-update handling for failed or expired cards
- Self-service subscription management for customers
Payment Acceptance & Cost Controls
Multi-method payment acceptance with tools to offset processing costs.
- Credit card, ACH and e-check acceptance
- Cloud payment terminal (Free plan and up)
- Compliant surcharging to pass card-processing fees to the payer
- 0% processing markup on Plus and Enterprise plans
- Immediate sync of payments to accounting records
Customer Self-Service Portal
Branded portal for customers to manage billing without contacting support.
- 24/7 self-service balance viewing and payment
- Customer-editable billing address and payment method
- Autopay enrollment
- Downloadable receipts
- Branded portal experience
Credit Card Vault & Security
Tokenized, PCI-certified storage of customer payment methods.
- PCI-DSS Level 1 compliant card vault
- Tokenized card storage for one-click repeat charges
- Encrypted storage that removes stored card data from the merchant own systems
- Vault used for both subscription billing and portal payments
Accounting Integration & Reconciliation
Bidirectional sync between Chargezoom and the connected accounting system.
- Real-time two-way sync with QuickBooks and NetSuite
- Additional documented integrations: Xero, Sage Intacct, Acumatica, Microsoft Dynamics, FreshBooks and Rillet
- Codeless, self-serve connection setup: authorize your account and Chargezoom takes care of the rest
- Automated payment and refund posting to the accounting system
- REST API access for custom integrations (Free plan and up)
Payment Intelligence (Payment Graph)
A cross-merchant data layer the vendor says improves collection predictions.
- Cross-merchant payment-behavior data aggregated into a shared model
- Used to predict payment timing and prioritize collection outreach
- Positioned by the vendor as improving in accuracy as transaction volume across its customer base grows
Common use cases
- A subscription-billing business automating recurring charges, dunning and card-update handling to reduce involuntary churn
- A B2B company on QuickBooks or NetSuite reducing days sales outstanding by handing routine invoice follow-up to the AVA AR Agent
- A merchant looking to offset credit-card processing costs via compliant surcharging
- A finance team offering a 24/7 self-service payment portal to cut inbound billing support calls
- A business storing customer cards in a PCI-DSS Level 1 vault to enable one-click repeat billing
- An accountant or ISV partner reselling AR automation to their merchant or client base under the Chargezoom partner program
- A company scaling AR operations without added headcount by delegating invoice-to-cash execution to an AI agent
Strengths & considerations
Strengths
- AVA AR Agent is positioned as an autonomous AI operator that executes the AR lifecycle (invoicing, follow-up, payment, reconciliation) rather than an assistive dashboard
- Payment Graph aggregates payment-behavior data across the Chargezoom merchant base to inform collection timing and risk signals
- Free plan has no monthly or setup fee, charging only per-transaction (2.9% + $0.30 card, $0.50 ACH), with paid tiers moving to 0% processing markup
- PCI-DSS Level 1 certified card vault removes stored card data from the merchant own systems
- Registered Visa Service Provider and registered agent of Fiserv, Inc. and NorthAB, LLC for payment processing
Considerations
- Direct accounting-system sync is gated to the Plus ($95/mo+) and Enterprise ($995/mo+) plans; the Free plan ships REST API access but no bundled ERP connector
- Documented integrations are limited to mid-market accounting platforms (QuickBooks, NetSuite, Xero, Sage Intacct, Acumatica, Microsoft Dynamics, FreshBooks, Rillet); no publicly documented connector for SAP, Oracle or Workday
- No independent G2/Capterra review data, funding history or precise employee count was found beyond a self-reported LinkedIn profile
ERP integrations
Real-time two-way sync; codeless authorization flow
Real-time two-way sync; codeless authorization flow
Listed as a supported accounting integration in the Chargezoom demo-request form and support knowledge base
Pricing
Plus plan is aimed at roughly $150K/year in processing volume; Enterprise at roughly $5M/year. Plus and Enterprise carry 0% processing markup and add accounting-system integrations (NetSuite, QuickBooks, FreshBooks), more user seats and priority/dedicated support over the Free plan. Get an independent shortlist with pricing guidance below.
Technical & security
- Compliance
- PCI DSS Level 1
About the vendor
- Founded
- 2020
- Headquarters
- Holladay, Utah, United States
- Employees
- 11-50
- Ownership
- Private
- Notable customers
- Aramark, DEX Imaging, Uline
Alternatives to Chargezoom in Payment Processing
Chargezoom — frequently asked questions
What accounting systems does Chargezoom integrate with?
Chargezoom documents real-time, two-way sync with QuickBooks and NetSuite, and lists further supported connections to Xero, Sage Intacct, Acumatica, Microsoft Dynamics, FreshBooks and Rillet in its support knowledge base and demo-request form.
How is Chargezoom priced?
The Free plan has no monthly fee and charges 2.9% + $0.30 per card transaction and $0.50 per ACH transaction. The Plus plan starts at $95/month (aimed at roughly $150K/year in processing volume) and Enterprise starts at $995/month (roughly $5M/year), both with 0% processing markup and bundled accounting-system integrations.
Is Chargezoom PCI compliant?
Yes. Chargezoom states its credit card vault is PCI-DSS Level 1 compliant, with card data encrypted and stored in its vault so merchants do not retain card data in their own systems.
What is AVA in Chargezoom?
AVA is the Chargezoom AI AR agent, described by the company as an autonomous operator that manages invoice delivery, follow-up and reconciliation across the accounts receivable lifecycle without requiring manual intervention.
What payment methods can customers use to pay through Chargezoom?
Chargezoom accepts credit cards, ACH transfers and e-checks, and supports compliant surcharging so merchants can pass card-processing fees on to the paying customer.
Evaluating Payment Processing?
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