AccessPay vs PaymentHub

AccessPay connects business finance and back-office systems to banks for payments, collections, and bank statement retrieval. It supports Bacs, Faster Payments, CHAPS, SWIFT, SEPA, and Direct Debit collections, and says it connects finance applications with more than 11,000 banks worldwide. ERP, payroll, and other back-office systems can connect through SWIFT, Host-to-Host, EBICS, sFTP, or API. Its file transformation engine handles formats including CSV, Standard18, and PAIN, as well as less common formats. Fraud and error controls include payment screening, beneficiary checking, sanctions screening, and Confirmation of Payee capabilities. Security measures listed include masked and encrypted transaction data, MFA or SSO login, user access controls, segregation of duties, and audit trails. The platform does not cap transaction count or value, though payment schemes may set their own value limits. Pricing is on request and depends on estimated annual transaction volumes, users, and required configurations and workflows. Initial setup carries a one-time professional services fee of 25%; bank fees are separate.

PaymentHub connects payment workflows with ERP posting, reconciliation, and reporting for mid-market B2B finance teams. Its branded customer portal supports invoice viewing, online and partial payments, autopay enrollment, payment history, and statements. Accounts payable tools include configurable approval chains, scheduled payment batches, vendor payment methods, and status tracking. The platform matches payments to invoices and posts them to the ERP in real time, routing exceptions for review. Listed ERP connections include Epicor, Sage, Infor, Microsoft Dynamics 365, Oracle NetSuite, SAP Business One, Acumatica, and Odoo products. It also lists payment processors and networks including Stripe, Braintree/PayPal, Authorize.Net, Heartland, Worldpay, Adyen, ACH.com/NACHA, WEX, Chase Paymentech, and Elavon. REST APIs and webhooks support payment operations and event notices. PaymentHub describes tokenized card data, OAuth 2.0 API access, TLS 1.2+ encryption in transit, role-based access, and exportable audit logs. Growth costs $499 a month; Professional costs $1,499 a month. A free trial is listed for Growth, with no duration stated.