The weAudit Gateway Scorecard · No. 9
EBizCharge Review: The Locked-Door Gateway, Its Fees, and Our Rating
The gateway built into your ERP by Century Business Solutions, graded the way we grade everything: by what it actually costs merchants.
3.5
out of 10
Last updated August 2026
$0
What the gateway costs. The processing pays for everything
EBizCharge markets $0 setup, $0 upgrades, and $0 maintenance, and the gateway itself is effectively free. Nobody in payments gives away software out of generosity. The gateway is free because it is not the product. It is the lock. Using EBizCharge requires processing through Century Business Solutions, a reseller of Fiserv merchant services, and in our audits that processing has been well overpriced. The integration is the bait, the processing is the revenue, and you are the annuity.
The Paper Trail
Who Is Behind EBizCharge?
2004
Century Business Solutions founded in Irvine
2010s
Builds EBizCharge into 100+ ERPs
“Built in, not bolted on”
Today
Registered ISO of Wells Fargo and Pathward
Reselling Fiserv processing
The Worldpay Playbook
Build integrations into the software merchants already run, then make the integration inseparable from your own processing. It is the same business model that made Worldpay a giant: the deeper the integration, the harder the exit, and the less the pricing ever has to compete. That says it all.
Follow the Money
The Free Gateway Question
Century has never been acquired, so there is no purchase price to follow this time. Follow the giveaway instead. Building and maintaining native integrations into more than 100 ERP and accounting systems costs millions in engineering, and Century hands the result to merchants for $0. Nobody spends millions building something to give it away out of generosity. The integration spend is customer acquisition cost, and the processing margin is how it gets paid back, month after month, for as long as the door stays locked.
So ask the question nobody asks: how much must the processing be making on merchants to fund a free gateway, a hundred integrations, and 24/7 support, and still turn the profit that keeps this model running for twenty years? Every point of markup and every add-on fee on a Century statement is the answer. The gateway being free does not mean nobody is paying for it. It means you are, somewhere you were not told to look.
The Popularity Trap
Why Do Merchants End Up on EBizCharge?
Simple: it is already inside the software. EBizCharge lives in the marketplaces and app stores of QuickBooks, Sage, SAP Business One, Dynamics, NetSuite, and a hundred other systems, marketed as “built in, not bolted on.” The ERP consultant suggests it, the marketplace listing looks official, the demo runs inside the screens the AR team already uses, and the decision makes itself.
Here is the problem. A marketplace listing is not a price review, and an ERP consultant is not an interchange expert. During a recent audit review, a merchant told us about being pressed hard to sign up while never once being given a price, and independent review sites document the same pattern: public pricing is not available and all important terms are not disclosed. In our audits of Century merchants, we have found the processing well overpriced and dotted with little add-on fees, and we have yet to talk to one of their clients who was happy with them.
The Scorecard
How EBizCharge Scores
The Locked Door
2/10
The Gateway Requires Their Processing
EBizCharge is not a gateway you can take to the processor of your choice. Using it means processing through Century Business Solutions, period. Once the gateway is wired into your ERP, your invoicing, your AR workflows, and your saved customer cards, leaving Century means ripping out all of it at once. That is not an accident of architecture. It is the architecture. A processor that knows you cannot easily leave has no reason to sharpen its pencil, and in our audits, Century’s pencil is dull.
Pricing
2/10
The Price You Cannot Get
Try to find out what EBizCharge costs before signing. Merchants tell us the sales push comes fast and the price never does, and review sites confirm it: public pricing is not available, all important terms are not disclosed, and the reported contract runs three years with an early termination fee. The marketing says transparent pricing and no hidden fees. Our audits of their statements say otherwise: markup on the processing and a scattering of small add-on fees that never appeared in any conversation.
Interchange
3/10
Real Automation, Wrong Question
Credit for the mechanism: EBizCharge pulls line-item data from the ERP and passes it through for Level 2 and Level 3 automatically, which beats the 30-field manual burden most gateways impose. But pass-through is only as good as the ERP data feeding it, qualification still fails on a single missing detail, and here is the question that matters more: what good are interchange savings if the processing markup wrapped around them takes the money back? Optimized interchange inside an overpriced merchant account is a discount on a bill that should not be that high.
Credit Where Due
7/10
The Integrations Are Real
Credit where it is due: the integration library is genuinely impressive. Payments inside QuickBooks, Sage, SAP B1, Dynamics, NetSuite, and a hundred other systems, with AR automation, customer portals, and cash application that save real staff time. The product experience is why merchants sign. Our issue has never been whether the software works. It is that the software is the door to a processing relationship you cannot shop, cannot price in advance, and in our experience, will not enjoy.
“The integration isn’t a feature. It’s the lock.”
Beyond the Scorecard
Are You Even on the Right Gateway?
A scorecard tells you about the gateway. An audit tells you about YOUR gateway, on your card mix, your industry, and your statements. Every weAudit engagement reveals:
✓Whether you are on the right payment gateway for your business, or quietly paying for the wrong one
✓Missed interchange qualifications and forced downgrades
✓Incorrect setups: interchange flags, MCC codes, shopping carts, and gateways
✓Hidden, inflated, and made up fees buried in your statement
✓Processor markups and kept interchange rebates
✓PCI non-compliance fees you may not even owe
✓Contract traps: auto renewals, exit penalties, and terms working against you
✓Incorrect MCC codes costing you specialty interchange rates
✓And much more. If it is on your statement, we audit it.
Common Questions
EBizCharge FAQ
Does EBizCharge support Level 2 and Level 3 processing?
Yes, and the mechanism is better than most: it pulls line-item data already stored in your ERP and passes it through automatically, avoiding the 30-field manual burden other gateways impose. Two caveats from our audits. Qualification still depends on your ERP data being complete, and a single missing detail fails the transaction down to higher rates. And the savings only matter net of what Century charges for the processing wrapped around them, which is where the money we find usually went.
How much does EBizCharge cost?
Good luck finding out before you sign. Public pricing is not available, independent reviewers note that all important terms are not disclosed, and merchants report a three-year contract with an early termination fee. The gateway itself is marketed at $0 setup and $0 maintenance, because the revenue lives in the processing. In our audits, that processing has been well overpriced, with a scattering of small add-on fees on top. If they are quoting you, get every number in writing and have it audited before you sign.
Can I use EBizCharge with my own processor?
No. EBizCharge requires processing through Century Business Solutions, a registered ISO of Wells Fargo and Pathward reselling Fiserv merchant services. That is the business model: the gateway and the ERP integration exist to lock the processing relationship. If you want a gateway you can take to the processor of your choice, this is not it, and that distinction should be priced into any decision to adopt it.
Who is behind EBizCharge?
Century Business Solutions, a privately held company founded in Irvine, California in 2004. It is a registered ISO of Wells Fargo Bank and Pathward, and a longtime reseller of First Data, now Fiserv, merchant services. It has never been acquired, which in this series is almost refreshing. The model does not need a buyer. The locked-in processing pays for itself.
Should I switch away from EBizCharge?
It depends on what your statements show, and that is exactly what an audit determines. Be realistic about the exit: leaving means replacing the gateway, the processing, and the ERP integration together, so it is a planned project, not a phone call. But staying blind is the expensive option. In our audits of Century merchants, the markup and add-on fees have consistently outweighed the convenience. Upload a statement and we will show you your specific math before you decide anything.
Locked Into EBizCharge?
If EBizCharge came bundled into your ERP, your statements will show what the locked door is costing you in processing markup and add-on fees, and whether the Level 3 savings are actually reaching you or being eaten on the way. And if they are pitching you right now without giving you a price, send us the proposal before you sign anything. Upload a statement and we will show you, line by line. No obligation. Just answers.
Get Your Free Audit
Written by the team at weAudit, founded by Robert Day, who spent more than a decade as an executive at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments, the world’s largest card processor. Forbes Business Council. Entrepreneur Contributor.
weAudit.com
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