“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?”
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.
Ebizcharge discloses Wells Fargo Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Ebizcharge does not disclose a bank charter of its own; its banking services are provided through Wells Fargo Bank.
Ebizcharge processes payments through EBizCharge (self-operated). Disclosed money-movement rails: ACH.
Ebizcharge integrates with QuickBooks Desktop, QuickBooks Online, NetSuite, Sage 50, Sage 500, Sage Business Works, Sage Intacct, Sage 200 and 38 others.
The Embedded Finance Index 2026 maps 5 layers in Ebizcharge's stack: Payments / PSP (EBizCharge (self-operated)); Money movement (ACH); Lending (iBranch (Lendica-powered embedded SMB business credit)); Sponsor bank (Wells Fargo Bank); Accounting (QuickBooks Desktop, QuickBooks Online, NetSuite, Sage 50 and 42 others).
Ebizcharge is founded in 2004 and headquartered in Irvine, CA, United States.
Get a read on where your own stack stands against Ebizcharge and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.