PayTrace

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What PayTrace is

PayTrace provides B2B payment processing, merchant services, a payment gateway, and accounts receivable automation. Merchants can accept card and ACH payments online, in person, by phone, on the go, or through ERP and business software. Trace AR supports digital invoicing, reminders, recurring or installment payments, invoice reconciliation, and invoice history. The service also describes GSA SmartPay purchase cards for official federal purchases. Integrations include Acumatica, Microsoft Dynamics 365 Business Central, NetSuite, and QuickBooks Online. A payment API includes documentation, integration guides, and a sandbox for workflows that do not process real cards. PayTrace says it encrypts sensitive information, is PCI DSS compliant, and does not store payment data locally on merchant networks, computers, or premises. Its product matrix lists Level II processing across Basic, Pro, and Trace AR, with Level III for Pro and Trace AR. Transaction details and receipts are searchable for up to 24 months. PayTrace Go is available for iPhone and Android. Pricing is available on request.

Who it suits

PayTrace suits B2B merchants and organizations handling business or government payments. It also fits teams needing accounts receivable automation or an API.

What it does well

Accepts card and ACH payments
Trace AR automates invoices and reminders
API includes a testing sandbox
Integrates with major ERP and accounting systems
PayTrace Go supports iPhone and Android

What to know first

Pricing is available only on request
Search covers up to 24 months
No free plan is listed

Verdict

PayTrace combines payment acceptance, receivables workflows, integrations, and developer tools for B2B use. Its payment and reporting requirements should be checked against the stated 24-month search period and requested pricing.

Facts from PayTrace's own pages

API: PayTrace offers a payment API with documentation, integration guides, and a sandbox for testing without processing real cards. · paytrace.net, 4 Oct 2026
AR automation: Trace AR supports digital invoicing, payment reminders, recurring or installment payments, invoice reconciliation, and invoice history tracking. · paytrace.net, 4 Oct 2026
Company: The site identifies the business as PayTrace, LLC, a North company, and says PayTrace was founded in 2004. · paytrace.net, 4 Oct 2026
Founded: 2004 · paytrace.net, 4 Oct 2026
Integrations: Trace AR lists connections with Acumatica, Microsoft Dynamics 365 Business Central, NetSuite, and QuickBooks Online. · paytrace.net, 4 Oct 2026
Mobile app: PayTrace says its PayTrace Go app is available for iPhone and Android. · paytrace.net, 4 Oct 2026
Payment channels: Merchants can accept payments online, in person, over the phone, on the go, and through ERP and business systems software. · paytrace.net, 4 Oct 2026
Payment methods: PayTrace supports card and ACH payments, and its B2B page also describes accepting GSA SmartPay purchase cards for official federal government purchases. · paytrace.net, 4 Oct 2026
PCI details: The product matrix states that PayTrace has been PCI DSS certified as a Level 1 Service Provider annually since 2005. · paytrace.net, 4 Oct 2026
Processing optimization: The product matrix lists Level II data processing across Basic, Pro, and Trace AR, while Level III processing is listed for Pro and Trace AR. · paytrace.net, 4 Oct 2026
Product limits: The product matrix says transaction details and receipts are available through search for up to 24 months. · paytrace.net, 4 Oct 2026
Security: PayTrace says its platform is PCI DSS compliant, encrypts sensitive information, and does not store payment data locally on the merchant’s network, computers, or premises. · paytrace.net, 4 Oct 2026
Support: PayTrace lists phone support at 1-888-806-6545 from 5 am to 7 pm Pacific and support by email at [email protected]. · paytrace.net, 4 Oct 2026
What it does: PayTrace provides B2B payment processing, merchant services, a payment gateway, and accounts receivable automation. · paytrace.net, 4 Oct 2026
Who it serves: PayTrace presents its solutions for B2B merchants and also describes payment workflows for business and government customers. · paytrace.net, 4 Oct 2026

Where PayTrace stands on Freedom251

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