EBizCharge vs NMI
payment processing head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Quote-based | Quote-based |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market, Enterprise | SMB, Mid-market, Enterprise |
| Stated ERP integrations | QuickBooks, NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct, Acumatica, Oracle Fusion Cloud | QuickBooks, Xero |
| Vendor | Century Business Solutions | NMI (Network Merchants, LLC) |
Our take
Where EBizCharge leads
- Stronger evidenced coverage on 14 of the 32 capabilities where they differ (led by customer self-service billing portal and compliant credit-card surcharging).
- Stated NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct, Acumatica, Oracle Fusion Cloud integration the alternative doesn't list.
Where NMI leads
- Stronger evidenced coverage on 18 of the 32 capabilities where they differ (led by machine-learning fraud detection and white-label embedded-payments sdk).
- Stated Xero integration the alternative doesn't list.
Where they differ
The 32 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 | ||
|---|---|---|
| Machine-learning fraud detectionFraud, Risk & Authentication | Not evidenced | Core strength Kount AI-driven fraud scoring |
| Customer self-service billing portalBilling & Receivables | Core strength Customer self-service Payment Portal | Not evidenced |
| Compliant credit-card surchargingBilling & Receivables | Core strength Compliant surcharging, merchants keep up to 3% of card sales | Not evidenced |
| White-label embedded-payments SDKEmbedded Finance & Platform Payments | Not evidenced | Core strength Embedded payments platform for ISOs, SaaS platforms and PayFacs; Collect.js, REST APIs/SDKs |
| Point-to-point encryption (P2PE)Tokenization & Security | Not evidenced | Core strength Point-to-Point Encryption |
| Custom report builderReporting & Reconciliation | Core strength Custom reports built from 50+ search criteria | Not evidenced |
| Automated payment reconciliationReporting & Reconciliation | Core strength Bi-directional sync of payments and invoice status to host ERP; embedded directly in ERP | Not evidenced |
| Native ERP module / embedded processingERP & Accounting Integration | Core strength Module-based installs the vendor describes as needing no third-party middleware | Not evidenced |
| Digital wallet acceptancePayment Acceptance & Channels | Not evidenced | Supported Tap to Pay on iPhone and Android |
| In-person POS hardwarePayment Acceptance & Channels | Supported EMV card-reader devices | Not evidenced |
| Multi-currency processingGlobal Reach & Money Movement | Not evidenced | Supported USD, CAD and others |
| Global payoutsGlobal Reach & Money Movement | Not evidenced | Supported Dwolla marketplace seller payouts, loan disbursement and repayment |
| 3-D Secure / strong customer authenticationFraud, Risk & Authentication | Not evidenced | Supported Payer Authentication 2.0 (3D Secure) |
| Identity verification & sanctions screeningFraud, Risk & Authentication | Not evidenced | Supported KYC/KYB/AML compliance automation via MonitorX |
| Automatic account / card updaterFraud, Risk & Authentication | Not evidenced | Supported Automatic Card Updater |
| Automated dunning & retryBilling & Receivables | Supported Automated payment reminders; Auto Pay automatic statement charging | Not evidenced |
| PayFac-as-a-ServiceEmbedded Finance & Platform Payments | Not evidenced | Supported Merchant Central gives ISOs/software platforms onboarding (digital sign-up, eSign), automated underwriting (ScanX) and compliance (MonitorX) |
| Embedded lending / business capitalEmbedded Finance & Platform Payments | Not evidenced | Supported Business Capital, powered by Parafin |
| PCI DSS Level 1 certified infrastructureTokenization & Security | Partial PCI-certified integrator/reseller status, not stated as Level 1 service-provider cert | Core strength PCI DSS Level 1 certified continuously since 2005 |
| Network tokenizationTokenization & Security | Not evidenced | Supported Customer Token Vault network tokens |
| Data export & BI connectivityReporting & Reconciliation | Supported CSV data export | Not evidenced |
| REST API & SDKsDeveloper Platform & Checkout Tools | Not evidenced | Supported REST APIs and SDKs via the Integration Portal |
| WebhooksDeveloper Platform & Checkout Tools | Not evidenced | Supported Webhooks for real-time transaction event notifications |
| Native mobile SDKsDeveloper Platform & Checkout Tools | Not evidenced | Supported SDKs for Windows/Linux, iOS/Android |
| Listed on an official ERP marketplaceERP & Accounting Integration | Supported Listed on the QuickBooks Online App Store (quickbooks.intuit.com/app/apps/appdetails/ebizcharge) | Not evidenced |
| Coverage across multiple major ERPsERP & Accounting Integration | Core strength NetSuite, SAP, Dynamics 365 BC/Finance, Sage Intacct, Acumatica, Oracle, QuickBooks | Partial QuickBooks and Xero only, via Bill Connect (powered by Biller Genie) |
| ACH / bank transfer processingPayment Acceptance & Channels | Core strength ACH and eCheck processing | Supported Dwolla ACH origination and processing (2026 acquisition) |
| Payment links & hosted pagesPayment Acceptance & Channels | Core strength Email Pay: payment links against open invoices | Supported Collect Checkout hosted payment pages/buttons, QR-code payment links |
| Configurable rules-based fraud engineFraud, Risk & Authentication | Supported Fraud prevention and risk screening modules | Core strength iSpy rules-based fraud detection with custom velocity thresholds |
| Electronic invoicing with embedded paymentBilling & Receivables | Core strength Email Pay, Customer Payment Portal | Supported Electronic Invoicing with one-click payment collection |
| Tokenized card vaultTokenization & Security | Supported Tokenization of stored payment data, off-site storage | Core strength Customer Vault tokenized storage |
| Automated GL posting & bank reconciliationERP & Accounting Integration | Core strength Bi-directional sync of payments and invoice status to the host system | Supported Bill Connect syncs invoicing and payment collection with QuickBooks/Xero |
Both grade identically on the other 18 capabilities — see each product's full profile: EBizCharge, NMI.
EBizCharge vs NMI — FAQs
Is EBizCharge or NMI better for ERP integration?
Both state integrations with QuickBooks. EBizCharge additionally lists NetSuite, SAP, Microsoft Dynamics 365, Sage Intacct, Acumatica, Oracle Fusion Cloud. NMI additionally lists Xero. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, EBizCharge or NMI?
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 EBizCharge and NMI should each cost you — and whether a third option belongs on your shortlist.