Paya Up! Integrated Credit Card Processing for Sage 100

Commercial credit card spending took a 67% dip in 2020 and 2021, with the abrupt halt of business travel partially to blame. However, we’re starting to see growth again, and projections are that business credit card spending will rise by over 15% through 2025. Likely your business is already using – and accepting credit cards – but you may not be handling the process in the most efficient, secure, and cost-effective way possible.

If you’re looking for an easier way to manage credit card transactions within Sage 100, we’ve got you covered. Paya is Sage’s payment processing partner. Here we share everything you wanted to know about Paya and integrated credit card processing.


Register for a webinar on June 1: Paya for Sage 100 – Payments Just Got Easier


Paya Works With Your ERP—and Without

Paya is tightly integrated with Sage 100 (and several other ERP systems), bringing credit card validation (along with ACH debit/credit processing) directly into your workflow. In addition, if you want to continue processing credit cards outside of Sage—on your website or a mobile device perhaps—you can still use Paya, providing a consistent, simple and secure corporate-wide solution.

Simplify Click-to-Pay with Paya and Sage 100

In 2020, Sage introduced an electronic invoicing function allowing customers to click-to-pay the invoices you send to them by email. As customers click, they are directed to a secure portal where they can log in and pay your invoices. It’s convenient for your clients, and also saves time for you since the payment is automatically recorded in Sage 100. Paya is the payment processor powering the back end of this seamless process.

The integration means that when a customer pays their invoice, the payment transaction is automatically recorded in Sage 100, streamlining reconciliation and ensuring your receivable balance is kept up to date and accurate.

Recurring Payments Save Time and Effort

If your company has recurring invoices set up, Paya can handle these too, automatically billing the customers’ credit card on time and without any additional effort on your part.

Paya is Safe and Secure

Credit card security is vitally important to us all. Paya incorporates highly robust security features, including utilizing an advanced fraud protection database, integration of EMV (the chip!), PCI-compliancy and Level 3 data enrichment. In addition, with Paya you do not store your customers’ credit card number — Paya does — providing additional security and risk protection for your customers and your organization.

Level What?

You may have heard about “data levels” or “data rates” with regard to credit card processing, but what do they mean? Credit card transactions can fall into three different data levels: Level 1, Level 2, and Level 3. Each level requires a certain amount of information to qualify transactions, and the higher the level, the more details required. Higher data levels have lower interchange rates, processors deem them to represent the lowest risk. To qualify for Level 3, transactions must include data like the item code, quantity, price—and even the freight or duty amounts. Without boring you with too many more details, rest assured that Paya supports Level 3, the most secure data level, qualifying you for the lowest available rates.

All That and it Costs Less

We’ve found that Paya will almost always beat the credit card fees charges by other companies. They even offer a free analysis so you can determine if your organization will save with the switch.

There’s lots more to learn about credit card processing in general, and Paya in particular. We invite you attend the webinar on June 1: Paya with Sage 100 – Payments Just Got Easier, or contact a member of our team to better understand the benefits integrated credit card processing brings to your organization.