If you want to skip straight to the recommended solution, see our full breakdown of SensePass as a NetSuite payment gateway.

In today’s fast-paced business environment, efficient and secure payment processing is paramount. For companies leveraging NetSuite as their robust ERP, understanding the myriad of payment gateway options is key to optimizing financial operations, enhancing customer experience, and ensuring compliance.

NetSuite offers a versatile ecosystem for managing payments, combining its native capabilities with a rich network of integrated partner solutions. This semi-agnostic approach empowers businesses to choose the best fit for their unique needs, whether they prioritize seamless integration, diverse payment methods, or advanced reconciliation.

NetSuite’s Native Payment Gayeway options: Built-in Efficiency

NetSuite provides foundational payment processing tools that streamline operations and ensure data security.

• NetSuite Pay: Designed for straightforward setup and efficient payment acceptance. It’s an integrated solution for accepting credit card payments online, over the phone, at the point of sale, or through other digital methods, all while adhering to PCI-compliant data security standards. NetSuite Pay facilitates automated click-to-pay invoices, e-invoicing with payment links or QR codes, and works seamlessly with NetSuite’s customer portals (Customer Center, SuiteCommerce MyAccount, etc.).
• SuitePayments: This is NetSuite’s underlying framework for integrating with various payment processing partners. SuitePayments offers greater flexibility, providing access to a broader range of payment methods and advanced features like fraud screening (e.g., 3D Secure authentication). It supports credit card processing for sales orders and web store orders, as well as alternative payment methods and PayPal Express for web store orders, and electronic bank payments (ACH).

Both native options emphasize PCI compliance, ensuring that sensitive payment card data is protected throughout the transaction lifecycle.

The Power of Partnership: SuiteApp.com Solutions

Beyond its native offerings, NetSuite boasts an extensive ecosystem of certified partner solutions available on SuiteApp.com. These “Built for NetSuite” applications offer pre-integrated, specialized functionalities that extend NetSuite’s payment capabilities. The options span various payment needs, including:

• Credit Card Gateways: Many leading global and regional payment processors offer direct integrations with NetSuite. Popular choices include:
  • CyberSource (A Visa Solution)
  • FreedomPay
  • Adyen
  • Worldpay
  • Authorize.net
  • Stripe
  • Square
  • EBizCharge
  • BlueSnap
  • Fortis Payments
  • Windcave
  • eWAY (popular in ANZ)
  • SumUp Payments
  • Solupay
• Alternative Payment Methods (APMs): As consumer preferences evolve, so do payment options. NetSuite partners enable acceptance of:
  • Digital Wallets: PayPal (including Express Checkout and Braintree), Apple Pay, Google Pay, Amazon Pay, WeChat Pay, Alipay, and many more regional wallets.
  • Buy Now Pay Later (BNPL) Solutions: Klarna, Affirm, Afterpay, Zip, and others are increasingly integrated to offer flexible payment terms.
  • Cryptocurrency Payments: Gateways like Coinbase and BitPay are emerging options for accepting digital currencies.
• ACH and Bank Transfers: For businesses seeking lower processing fees or catering to B2B transactions, ACH processing is a vital option. Partners like Paystand and Versapay offer advanced solutions that automate accounts receivable, provide next-day deposits, and streamline reconciliation, often integrating a “zero-fee” payment rail for bank-to-bank transfers.

Deep Dive: SensePass – A Comprehensive Payment Orchestration Layer and Payment gateway for NetSuite

While many gateways specialize in particular payment types or regions, SensePass stands out as a powerful payment orchestration layer that fundamentally changes how businesses approach payment acceptance within NetSuite. It’s not just for alternative payment methods; it’s designed to work with any credit card processor globally and any digital wallet globally, in addition to its robust APM support.

Here’s why SensePass merits a closer look:

• Processor Agnostic Credit Card Processing: Unlike some gateways that mandate using their own processing services, SensePass allows you to connect with your existing credit card processors and acquiring banks.
  • • This is a game-changer, enabling businesses to leverage preferred rates and relationships with providers like Stripe, Authorize.net, Adyen, Worldpay, TSYS, Chase, Elavon, Cardknox, NMI, and many others. It means you can optimize credit card processing fees independently of your NetSuite integration.
• Universal Digital Wallet Support:
  •  SensePass offers extensive support for virtually all major and regional digital wallets, including Apple Pay, Google Pay, Samsung Pay, PayPal, Venmo, Amazon Pay, Alipay, WeChat Pay, and many more. This ensures you can cater to diverse customer preferences worldwide.

• Broad Alternative Payment Method (APM) Coverage: Beyond credit cards and mainstream digital wallets, SensePass is a powerhouse for APMs, covering:
  • Buy Now, Pay Later (BNPL): Klarna, Affirm, Afterpay, Zip, Sezzle, Splitit, etc.
  • Open Banking/Account-to-Account: Trustly, LinkMoney.
  • Cryptocurrency: Coinbase, BitPay, PalWallet.
  • International and Regional Wallets: A vast array of local payment methods critical for global expansion.
  • Pay By Link: Simplifies collections by allowing payment links to be sent via email, text, or invoices.
• Payment Orchestration Benefits: SensePass acts as a central hub, providing a single API to manage all payment methods and processors. This offers:
  • Simplified Integration: Reduces the complexity of integrating with multiple individual payment providers.
  • Intelligent Routing: Can dynamically route transactions through the most cost-effective or successful processor, optimizing acceptance rates and minimizing fees.
  • Enhanced Customer Experience: Offers a vast array of payment options seamlessly at checkout.
  • Streamlined Reconciliation: Provides automated reconciliation of payments across all methods, pushing structured settlement and fee data directly into NetSuite, drastically cutting manual effort and accelerating financial close.
  • Omnichannel Support: Unifies payment acceptance across e-commerce (SuiteCommerce), in-store (NetSuite POS, SCIS), and other channels.
• “Built for NetSuite” Integration: SensePass offers specific, robust integrations for NetSuite ERP, SCIS, SuiteCommerce, and NetSuite POS, ensuring native functionality and a smooth user experience.

For the full breakdown of how SensePass works as a NetSuite payment gateway, including setup, supported methods, and integration steps, visit the dedicated SensePass for NetSuite page.

Key Considerations for Choosing Your NetSuite Payment Gateway

When evaluating the vast landscape of NetSuite payment options, keep the following factors in mind:

• Payment Method Diversity: What payment types do your customers demand now, and what might they demand in the future? Consider credit cards, debit cards, ACH, digital wallets, BNPL, and even cryptocurrency.
• Geographic Reach: If you operate internationally, ensure your chosen gateway supports local payment methods and currencies in your target markets.
• Transaction Volume and Fees: Compare the pricing structures (per-transaction fees, monthly fees, dispute fees) across different providers to identify the most cost-effective solution for your volume.
• Integration Depth and Ease: Prioritize “Built for NetSuite” certified SuiteApps for seamless, pre-built integration that minimizes development effort and ensures long-term compatibility.
• Security and PCI Compliance: Verify that the gateway is fully PCI-compliant and offers robust security features like encryption, tokenization, and advanced fraud prevention tools.
• Reporting and Reconciliation Capabilities: Look for solutions that provide comprehensive dashboards, real-time insights, automated payment application, and customizable reports to simplify financial reconciliation and cash flow management.
• Customer Experience: A smooth, secure, and intuitive checkout process with preferred payment options can significantly impact customer satisfaction and conversion rates.
• B2B Specific Needs: For business-to-business transactions, consider features like Level 2/3 data processing for lower interchange rates, purchase order support, and advanced invoicing capabilities.
• Omnichannel Strategy: If you have both online and physical sales, look for solutions that can unify payment processing across all your channels.

The NetSuite ecosystem provides a rich array of payment gateway options to suit businesses of all sizes and complexities. By carefully assessing your current and future needs, you can select the right payment strategy to optimize your financial operations and drive growth.

Related NetSuite Payment Resources

• SensePass: The NetSuite payment gateway built for flexibility
• Step-by-step: How NetSuite payment gateway integration works
• How to save on NetSuite credit card processing fees
• Best payment tools for NetSuite integrators — expert comparison