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Ebizcharge

“Can a deeply-embedded ERP/accounting payment gateway become the full financial operating layer for SMBs by layering lending and AR automation on top of its 100+ software integrations?”

Founded2004
HQIrvine, CA, United States
IndustryInfrastructure / Payments
The story

Founded in 2004 as Integra Capital Group operating under the EBizCharge and Century Business Solutions brands, the company positioned itself as an embedded payment gateway that lives natively inside ERP, accounting, CRM, and eCommerce platforms rather than operating as a standalone gateway. Over 20 years it built deep integrations into 100+ business software systems — QuickBooks, NetSuite, SAP, Acumatica, Microsoft Dynamics, Salesforce — differentiating on 'built in, not bolted on' architecture. The 2024 Lendica partnership marks the first step toward a broader embedded finance platform, layering working capital lending on top of its payments infrastructure for SMBs.

Last 12 months
2024-04
2025-12
Product timeline
2004
Founded as Integra Capital Group, Inc., doing business as EBizCharge and Century Business Solutions, focused on integrated credit card processing.· pivot
2021
Awarded Best PCI Compliance Provider by CNP Awards, reflecting maturation of in-house security and tokenization stack.· banking
2024
Partnered with Lendica to launch iBranch, an embedded AI-powered SMB business credit solution inside the EBizCharge platform.· lending
2025
Named a 2025 Construction Executive Top Technology Firm, signaling vertical expansion into construction vertical SaaS.· pivot
2025
Boyum IT partners with EBizCharge to transition support of its B1 iPayment processing solution for SAP Business One customers.· pivot
The stack
5 layers disclosed in Ebizcharge’s embedded-finance stack
Payments / PSP
EBizCharge (self-operated)
Money movement
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting
in the full report
Accounting gap: none
50 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.