This is similar to the POS gateway scenario described above, but more integrated. In a direct plugin
, the payment processing interfaces directly with the business’ accounting system (such as QuickBooks
, Sage BusinessWorks
, Zoho CRM
, or SAP Business One
) – ideally, this means it reduces double entry by marking invoices as paid and automatically balancing the general ledger. As with the POS gateway situation, a direct integration gives a business the option to swipe or
key in card entries (though most businesses that use this method only key in entries).
Pros: Reduces double entry, provides some degree of reporting and searching features.
Cons: Some merchant services companies charge a premium for the convenience of using an integrated plugin – so much, in fact, that some merchants end up dropping the plugin after a period of time.