Chargezoom
by Chargezoom, Inc. · Payment Processing
AI-driven AR automation and payment processing with two-way QuickBooks/NetSuite sync.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
- QuickBooks
NetSuiteXero
Sage Intacct
Acumatica
Microsoft DynamicsFreshBooksRillet - Deployment
- Cloud
- Pricing
- Free pay-per-transaction plan, plus flat-fee Plus/Enterprise subscription tiers
- Founded
- 2020
- Headquarters
- Holladay, Utah, United States
Overview
Chargezoom is a cloud-based accounts receivable (AR) automation and payment-processing platform for businesses that invoice and collect payments through an accounting system. It markets itself as an AI-native AR platform embedded directly in your ERP, built around AVA, an AI agent Chargezoom describes as an autonomous operator of the invoice-to-cash cycle rather than an assistive dashboard.
The platform combines invoicing, recurring/subscription billing, credit card, ACH and e-check payment acceptance (including compliant surcharging), a PCI-DSS Level 1 credit card vault, and a branded customer self-service portal. AVA applies machine learning to each customer payment-timing behavior to schedule invoice delivery and follow-up outreach, while a related feature, Payment Graph, aggregates payment-behavior data across Chargezoom merchant base to inform collection timing and risk signals.
Chargezoom syncs in real time and bidirectionally with QuickBooks and NetSuite, and documents further connectors for Xero, Sage Intacct, Acumatica, Microsoft Dynamics, FreshBooks and Rillet; bundled accounting-system sync is available starting on its Plus plan. Pricing runs from a free, pay-per-transaction tier through flat-fee Plus and Enterprise tiers priced by annual processing volume. The company is headquartered in Holladay, Utah, was founded in 2020 per its LinkedIn profile, and operates as a Visa-registered service provider and registered agent of Fiserv, Inc. and NorthAB, LLC.
Modules & capabilities
Chargezoom covers 16 of 50 capabilities we track in this category (+1 partial)
32%- Credit & debit card processingCredit card acceptanceSupported
- ACH / bank transfer processingACH and e-check acceptanceSupported
- Digital wallet acceptanceNot evidenced
- Local & alternative payment methodsNot evidenced
- Virtual terminalNot evidenced
- Payment links & hosted pagesIndividual/batch email invoicing with embedded payment linksCore strength
- In-person POS hardwareCloud payment terminalSupported
- IVR / phone payment acceptanceNot evidenced
- Ecommerce storefront pluginsNot evidenced
“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
Common use cases
- A subscription-billing business automating recurring charges, dunning and card-update handling to reduce involuntary churn
- A B2B company on QuickBooks or NetSuite reducing days sales outstanding by handing routine invoice follow-up to the AVA AR Agent
- A merchant looking to offset credit-card processing costs via compliant surcharging
- A finance team offering a 24/7 self-service payment portal to cut inbound billing support calls
- A business storing customer cards in a PCI-DSS Level 1 vault to enable one-click repeat billing
- An accountant or ISV partner reselling AR automation to their merchant or client base under the Chargezoom partner program
- A company scaling AR operations without added headcount by delegating invoice-to-cash execution to an AI agent
Strengths & considerations
Strengths
- AVA AR Agent is positioned as an autonomous AI operator that executes the AR lifecycle (invoicing, follow-up, payment, reconciliation) rather than an assistive dashboard
- Payment Graph aggregates payment-behavior data across the Chargezoom merchant base to inform collection timing and risk signals
- Free plan has no monthly or setup fee, charging only per-transaction (2.9% + $0.30 card, $0.50 ACH), with paid tiers moving to 0% processing markup
- PCI-DSS Level 1 certified card vault removes stored card data from the merchant own systems
- Registered Visa Service Provider and registered agent of Fiserv, Inc. and NorthAB, LLC for payment processing
Considerations
- Direct accounting-system sync is gated to the Plus ($95/mo+) and Enterprise ($995/mo+) plans; the Free plan ships REST API access but no bundled ERP connector
- Documented integrations are limited to mid-market accounting platforms (QuickBooks, NetSuite, Xero, Sage Intacct, Acumatica, Microsoft Dynamics, FreshBooks, Rillet); no publicly documented connector for SAP, Oracle or Workday
- No independent G2/Capterra review data, funding history or precise employee count was found beyond a self-reported LinkedIn profile
Used Chargezoom with your ERP? Rate it in 30 seconds — it helps every buyer after you.
Rate itERP integrations
Real-time two-way sync with a codeless, self-serve authorization flow; no listing found on the QuickBooks App Store as of research date.
Real-time two-way sync with a codeless, self-serve authorization flow; no listing found on SuiteApp.com as of research date.
Listed as a supported accounting integration in Chargezoom's demo-request form and support knowledge base; no listing found on the Xero App Store.
Listed as a documented accounting integration in Chargezoom's support knowledge base.
Listed as a documented accounting integration in Chargezoom's support knowledge base.
Listed as a documented accounting integration in Chargezoom's support knowledge base; vendor materials name 'Microsoft Dynamics' without specifying which product line.
Connector details independently verified against vendor marketplaces and documentation; last checked 2026-08-20.
Pricing
Full Chargezoom pricing breakdown — cost at 25/100/500 seats, competitor rates & FAQs
Plus plan is aimed at roughly $150K/year in processing volume; Enterprise at roughly $5M/year. Plus and Enterprise carry 0% processing markup and add accounting-system integrations (NetSuite, QuickBooks, FreshBooks), more user seats and priority/dedicated support over the Free plan. Get an independent shortlist with pricing guidance below.
What does Chargezoom cost?
Chargezoom prices by quote, like most of this category. Here is what actually drives your number — and what to ask before you get one.
6 of the 15 vendors we track in this category publish no list price at all.
Technical & security
- Compliance
- PCI DSS Level 1
About the vendor
- Founded
- 2020
- Headquarters
- Holladay, Utah, United States
- Employees
- 11-50
- Ownership
- Private
- Notable customers
- Aramark, DEX Imaging, Uline
Alternatives to Chargezoom in Payment Processing
Chargezoom — frequently asked questions
What accounting systems does Chargezoom integrate with?
Chargezoom documents real-time, two-way sync with QuickBooks and NetSuite, and lists further supported connections to Xero, Sage Intacct, Acumatica, Microsoft Dynamics, FreshBooks and Rillet in its support knowledge base and demo-request form.
How is Chargezoom priced?
The Free plan has no monthly fee and charges 2.9% + $0.30 per card transaction and $0.50 per ACH transaction. The Plus plan starts at $95/month (aimed at roughly $150K/year in processing volume) and Enterprise starts at $995/month (roughly $5M/year), both with 0% processing markup and bundled accounting-system integrations.
Is Chargezoom PCI compliant?
Yes. Chargezoom states its credit card vault is PCI-DSS Level 1 compliant, with card data encrypted and stored in its vault so merchants do not retain card data in their own systems.
What is AVA in Chargezoom?
AVA is the Chargezoom AI AR agent, described by the company as an autonomous operator that manages invoice delivery, follow-up and reconciliation across the accounts receivable lifecycle without requiring manual intervention.
What payment methods can customers use to pay through Chargezoom?
Chargezoom accepts credit cards, ACH transfers and e-checks, and supports compliant surcharging so merchants can pass card-processing fees on to the paying customer.
Compare Chargezoom head-to-head
The Payment Processing Buyer's Guide
Before you commit to Chargezoom, see how it sits against the 15 payment processing systems we track — on capability, ERP integration depth and what each one actually charges for.
Payment Processing Buyer's Guide
15 systems compared · 2026
ERP Research
- Chargezoom compared side-by-side with 14 alternatives
- ERP integration checklist — what to verify before you shortlist
- The pricing questions that change the quote
- A Chargezoom evaluation brief, included with the guide
Payment Processing Buyer's Guide
Get a quote for Chargezoom
Chargezoom publishes a list price, but the number you pay depends on volume, modules and integration scope. Tell us your setup and we'll come back with a realistic figure and the alternatives worth quoting against it.