Chargezoom vs Elavon
payment processing head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Free pay-per-transaction plan, plus flat-fee Plus/Enterprise subscription tiers | Interchange-plus merchant processing |
| Deployment | Cloud | Cloud |
| Company size | — | SMB, Mid-market, Enterprise |
| Stated ERP integrations | QuickBooks, NetSuite, Xero, Sage Intacct, Acumatica, Microsoft Dynamics 365 | Infor |
| Vendor | Chargezoom, Inc. | Elavon, Inc. |
Our take
Where Chargezoom leads
- Stronger evidenced coverage on 10 of the 22 capabilities where they differ (led by automated dunning & retry and customer self-service billing portal).
- Stated QuickBooks, NetSuite, Xero, Sage Intacct, Acumatica, Microsoft Dynamics 365 integration the alternative doesn't list.
Where Elavon leads
- Stronger evidenced coverage on 12 of the 22 capabilities where they differ (led by virtual terminal and digital wallet acceptance).
- Stated Infor integration the alternative doesn't list.
Where they differ
The 22 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 | ||
|---|---|---|
| Virtual terminalPayment Acceptance & Channels | Not evidenced | Core strength Virtual terminal |
| Automated dunning & retryBilling & Receivables | Core strength AVA AR Agent: 24/7 autonomous invoice follow-up and collections | Not evidenced |
| Customer self-service billing portalBilling & Receivables | Core strength Dedicated 24/7 self-service billing portal | Not evidenced |
| Automated payment reconciliationReporting & Reconciliation | Core strength Automated payment and refund posting; immediate sync to accounting records | Not evidenced |
| Coverage across multiple major ERPsERP & Accounting Integration | Core strength QuickBooks, NetSuite, Xero, Sage Intacct, Acumatica, Dynamics, FreshBooks, Rillet documented | Not evidenced |
| Digital wallet acceptancePayment Acceptance & Channels | Not evidenced | Supported Contactless and mobile-wallet acceptance |
| Multi-currency processingGlobal Reach & Money Movement | Not evidenced | Supported Global currency conversion |
| Settlement & funding reportingGlobal Reach & Money Movement | Not evidenced | Supported Payments Insider portal, Payments Core 365 data file |
| Configurable rules-based fraud engineFraud, Risk & Authentication | Not evidenced | Supported Fraud rule enforcement |
| Chargeback & dispute managementFraud, Risk & Authentication | Not evidenced | Supported Chargeback management portal with tracking |
| Embedded lending / business capitalEmbedded Finance & Platform Payments | Not evidenced | Supported Merchant funding, including a faster-funding option |
| PCI DSS Level 1 certified infrastructureTokenization & Security | Core strength PCI-DSS Level 1 compliant card vault | Partial PCI DSS compliance validation support offered; not stated as own Level 1 cert |
| Unified transaction dashboardReporting & Reconciliation | Not evidenced | Supported Payments Insider portal, multi-device access to reports |
| Data export & BI connectivityReporting & Reconciliation | Not evidenced | Supported Payments Core 365 comprehensive data file for in-house reporting |
| Native ERP module / embedded processingERP & Accounting Integration | Not evidenced | Supported CenPOS gateway markets itself as integrating with DMS/ERP systems; documented integration with Infor Distribution FACTS/SX.e |
| Credit & debit card processingPayment Acceptance & Channels | Supported Credit card acceptance | Core strength In-person, contactless and mobile-wallet acceptance |
| Payment links & hosted pagesPayment Acceptance & Channels | Core strength Individual/batch email invoicing with embedded payment links | Supported 'Buy Button' website and email payment links |
| IVR / phone payment acceptancePayment Acceptance & Channels | Not evidenced | Partial Mail order / telephone order (MO/TO) acceptance, not an explicit automated IVR product |
| Recurring / subscription billingBilling & Receivables | Core strength Recurring Billing & Subscriptions module | Supported Card-on-file for recurring/repeat transactions |
| Electronic invoicing with embedded paymentBilling & Receivables | Core strength Invoicing & AI-Driven AR Automation is the flagship module | Supported Electronic invoicing and quotes with online payment |
| White-label embedded-payments SDKEmbedded Finance & Platform Payments | Partial REST API access for custom integrations, not a white-label embedded SDK | Not evidenced |
| Automated GL posting & bank reconciliationERP & Accounting Integration | Core strength Real-time two-way sync with QuickBooks and NetSuite | Supported Infor Distribution FACTS electronic-payments integration guide documents payment posting |
Both grade identically on the other 28 capabilities — see each product's full profile: Chargezoom, Elavon.
Chargezoom vs Elavon — FAQs
Is Chargezoom or Elavon better for ERP integration?
They state different ERP coverage: Chargezoom lists QuickBooks, NetSuite, Xero, Sage Intacct, Acumatica, Microsoft Dynamics 365; Elavon lists Infor.
Which is cheaper, Chargezoom or Elavon?
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 Chargezoom and Elavon should each cost you — and whether a third option belongs on your shortlist.