PayCompass

SUMMARY:

Chargezoom acts like an automated payment and collections assistant for QuickBooks users. You keep customer and invoice information in QuickBooks, while Chargezoom can send invoices with “Pay Now” links, accept credit/debit card, ACH, and eCheck payments, send automated email or text reminders, manage recurring payments and subscriptions, and automatically record the payment back in QuickBooks. It reduces manual payment entry and reconciliation, while giving customers a portal to pay invoices, update cards on file, enroll in Auto Pay, and download receipts or invoices themselves. 

Choose Chargezoom when the business’s main problem is:

• “We need to use or preserve a particular payment processor or gateway.”

• “We need recurring billing, subscription plans, dunning, and card-updater tools.”

• “We want to send payment links through both email and text.”

• “We need compliant surcharging and eligible-card/BIN handling.”

• “We process payments through multiple sources and need one dashboard with real-time reconciliation.”

• “We need a more scalable API, ERP integration, or payment-operations platform.”

• “We have higher payment complexity, multiple payment gateways, a subscription model, or an enterprise accounting stack.”

SECTION I:  Product Overview

• Invoicing: Yes
• Recurring Billing: Yes
• Payment Pages: Yes
• Scheduled Payments: Yes
• Send automated reminder to customers for payment: Yes
• Supported Gateways: ??
  
• ACH: Yes, Paya
• QR Code Payments: No
• Number of users & cost per user: Free: up to 5 users, Plus up to 10, unlimited in Enterprise
• Role based permission settings: Yes
• Card authorization with card vaulting: Yes
• B2B capabilities: Yes, Level 3, customer portals, payment reconciliation
• Text to pay: Yes
• Inventory: No. items, inventory, quantities, and SKUs are generally managed in QuickBooks 
• Vault multiple payment methods per customer: Yes
• Create new customer records upon completing a payment: No
• Fraud controls: Yes, high level
• Customizable receipts: Yes, branded templates
• Methods of payment acceptance: Cash, credit/debit, checks, and ACH
• Supported pricing models: Interchange Plus, surcharge
• Multi-location reporting: Yes but depends on Account setup

SECTION II: Hardware and Technology

• Mobile app companion: No
• Works with Bluetooth card reader: No
• Tap to pay: No
• Optional payment devices: No
• Compatible software: QB Online & Desktop, Freshbooks, NetSuite, Sage Inacct, MS Dynamics

SECTION IV: Resources

• Vimeo video(s):  https://vimeo.com/884896304
• ChargeZoom website: https://www.chargezoom.com/
• ChargeZoom Flyer: 
• Quick Reference Guide:

3 ChargeZoom Plan Options:

Free:  $0 + 2.9% + .30 card, .50 ACH, up to 5 users

Chargezoom’s Free plan is a fit for a small service business, contractor, consultant, professional office, or B2B merchant that wants a simple way to collect payments on QuickBooks invoices without manually entering payments or reconciling transactions.

For example, a contractor creates an invoice in QuickBooks. Chargezoom can send the customer an invoice with an online “Pay Now” link. The customer pays by card or ACH, and Chargezoom syncs the payment back to QuickBooks. The business gets up-to-date books without exporting files, manually entering payments, or matching deposits line by line. The Free plan includes five user accounts, unlimited co-branded e-invoices and email payment links, two-way syncing, a cloud payment terminal, credit-card vaulting, customer notifications, and support.chargezoom+1

The Free plan’s primary trade-off is processing cost: Chargezoom publishes 2.9% + 30¢ for card payments and 50¢ for ACH payments. Advanced features such as text payment links, custom email templates, payment scheduling, subscriptions, customer portal, account updater, batch processing, and dunning management are presented as Plus or Enterprise features.

Plus:  $95, 10 users, up to $150,000 in processing

Chargezoom’s Plus plan is the practical premium option for a business with recurring billing, more payment volume, multiple AR users, or a need to automate collections beyond basic email invoices.

A typical use case is an IT managed-service provider, HVAC company, commercial maintenance company, distributor, membership business, or professional-services firm that invoices many customers each month. Chargezoom can send branded invoice emails and text payment links, automatically follow up on unpaid balances, let customers pay or manage stored payment methods through a customer portal, and run scheduled or recurring charges. Account Updater can help reduce involuntary churn from expired cards, while dunning tools help collect failed or overdue payments. Payments and refunds synchronize back to QuickBooks in real time.chargezoom+2

The Plus plan starts at $95/month, includes up to 10 user accounts, and uses a published 0% markup processing structure, although the underlying processor pricing and merchant agreement must be confirmed. It also adds customized email templates, bulk payment-link delivery, text payment links, scheduled payments, subscription management, recurring payments, multi-customer batch processing, customer portal access, card-expiration notifications, Account Updater, and dunning management.

Enterprise:  $995, unlimited users, up to $5 million in processing

Decision guide: