Accept payments, improve authorizations, and post settlements to your ERP with PCI-compliant tokenization and L2/L3 support.
HighRadius is recognized as a Leader in the IDC MarketScape for Embedded Payment Applications, validating its enterprise-grade approach to B2B payments within the order-to-cash process. With AI agents automating up to 90% of payment workflows, intelligent interchange optimization, and compliant surcharge management, HighRadius helps enterprises reduce DSO, lower payment processing costs, and scale securely across global payment rails.
Built for high-volume, complex B2B environments, the platform combines embedded payment orchestration with real-time intelligence, delivering measurable outcomes, not just automation.
Discover why IDC recognizes HighRadius as a leader in embedded B2B payments innovation.
Download the ReportPayment gateway software for enterprises does more than routing transactions; it secures capture, improves authorization, reduces interchange costs, and integrates settlement into finance systems for predictable cash flow.
Higher Authorization Rates & Lower Declines
Smart routing, BIN parsing, and processor failover within enterprise payment gateway software reduce avoidable declines and improve approval rates across entities and regions. For large organizations processing high B2B volumes, this directly increases collectability and protects realized revenue without adding manual retry effort.
Lower Card Acceptance Costs
L2/L3 enrichment and intelligent processor selection built into the payment gateway platform help qualify eligible B2B transactions for lower interchange categories. By optimizing merchant payment processing solutions at the transaction level, enterprises can materially reduce net card costs while maintaining authorization performance.
Faster & Cleaner Settlement Posting
Automated settlement ingestion and ERP journal posting ensure that captured payments are accurately reflected in the ERP payment system. This reduces reconciliation queues, shortens month-end close cycles, and improves audit readiness for enterprise finance teams.
Compliance-Safe Capture & Reduced PCI Scope
Data-Intercept, tokenization, and PCI Pal integrations minimize PCI exposure across web, phone, and SAP environments. As part of a secure Payment Gateway system, these controls reduce audit burden while maintaining enterprise-grade data protection standards.
Merchant-Level Transparency & Pricing Control
Blended and interchange-plus pricing, combined with detailed monthly statements, provide full visibility into merchant-level performance. Enterprises can evaluate fee allocation, interchange impact, and processor effectiveness within their broader B2B payments gateway strategy.
Actionable Payments Intelligence
Real-time dashboards within the payment gateway platform quantify authorization success, interchange savings, chargeback rates, and settlement timing. This enables CFOs and treasury leaders to optimize their payment automation strategy using measurable financial outcomes continuously.
A CFO-focused roadmap that shows how embedding payments in AR reduces DSO (up to 10 days), cuts payment processing costs, and converts invoices into predictable cash flow.
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Explore the hidden B2B payment challenges that impact cash flow, interchange costs, surcharge compliance, and scale better for enterprise finance teams.
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Compliance-safe playbook with a built-in calculator to model surcharge recovery and interchange savings, helping CFOs quantify up to 30% fee reductions.
Calculate Surcharge FeeHighRadius’ B2B Payments Software integrates directly with all major banks and ERPs, enabling real-time data sync for faster, secure payments, saving millions of dollars on interchange fees.
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Download ERP FactsheetMove past static routing - with agentic AI embedded within enterprise Payment Gateway software, which orchestrates routing, enrichment, risk checks, and dispute workflows to maximize net receipts and reduce manual effort.
Agents pick the best processor, apply L2/L3 enrichment, and decide whether to retry, route, or escalate.
Agents calculate compliant surcharge opportunities and evaluate fee-recovery vs. authorization risk in real time.
Agents detect suspicious patterns, trigger deeper checks, and prepare dispute evidence automatically.
Authorization and settlement outcomes feed back to the agents to improve routing, reduce declines, and increase fee recovery over time.
Payment Gateway software is the enterprise system that securely captures payment credentials, routes authorization requests to processors, manages settlement transfers, and provides transactional reporting. Unlike a basic gateway, an enterprise payment gateway software supports L2/L3 enrichment, multi-MID tokenization, PCI-safe phone capture, and ERP integration to post settlement and fee journals, enabling finance teams to close the loop from payment capture to ledger.
With HighRadius Payment Gateway software, merchants get an ERP-ready, PCI-compliant gateway that embeds capture (web, phone, API), advanced routing and enrichment, and settlement reconciliation, designed specifically for enterprise B2B payments and merchant payment processing solutions.
Automate payments, eliminate exceptions faster, and deliver audit-ready financials with Agentic AI for B2B payments.
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Payment Gateway software is the system that securely captures payment details, sends authorization requests to banks or processors, and manages settlement and reporting. In enterprise environments, it goes further by supporting L2 and L3 enrichment, tokenization, and ERP posting so finance teams can reconcile payments faster and reduce manual effort.
An enterprise Payment Gateway platform is designed to handle complex, high-volume merchant payment processing across entities and regions. It supports PCI-safe capture, multi-MID tokenization, ERP integration, and intelligent routing, which together reduce declines, lower processing costs, and improve settlement accuracy.
Yes, Enterprise Payment Gateway software supports secure phone payments using PCI Pal or DTMF capture methods. This allows agents to process card transactions without ever seeing or storing full card numbers, protecting both the business and the customer.
L2 and L3 enrichment attach additional invoice and line-item data to card transactions at the time of authorization. Card networks reward this added transparency with lower interchange rates on eligible B2B transactions, which helps reduce overall acceptance costs.
Yes, Enterprise Payment Gateway systems can ingest settlement files and automatically post journals into ERP systems such as SAP, Oracle, or NetSuite. This keeps the invoice-to-payment-to-ledger process aligned and significantly reduces reconciliation gaps.
A Payment Gateway platform is built to meet PCI DSS requirements through tokenization, secure data capture methods such as Data-Intercept, and certified processor integrations. These controls reduce PCI scope and make compliance management more manageable for large organizations.
Enterprise Payment Gateway software typically supports 40 or more global processors and can integrate with local processors as needed. This flexibility allows businesses to optimize routing, improve approval rates, and manage costs across different markets.
Implementation timelines depend on ERP complexity, processor setup, and internal approval processes. Many organizations can launch a pilot within weeks, while full enterprise rollouts may take a few months to ensure integrations and compliance checks are completed properly.
Enterprise gateways include configurable surcharge rule engines that evaluate card type, geography, and regulatory requirements before applying fees. This helps organizations recover eligible processing costs while staying compliant.
Payment Gateway software provides real-time chargeback alerts and centralized dispute workflows. It helps finance and operations teams gather evidence quickly, respond within network deadlines, and reduce unnecessary write-offs.
Yes, Payment Gateway systems support multi-MID tokenization and multi-bank routing, which is essential for multi-entity or global organizations. This ensures payments are processed under the correct merchant account and posted to the appropriate legal entity.
The best Payment Gateway software for B2B environments is one that integrates directly with ERP, supports L2 and L3 enrichment, enables secure phone and web capture, and provides intelligent routing with automated settlement posting. These capabilities ensure higher approval rates, lower interchange costs, and cleaner reconciliation for enterprise finance teams.
