Physical & Virtual Terminals

Every payment posts back automatically.

Physical terminals, Tap to Pay, virtual terminal, and check scanning, all connected directly to your ERP. Whether your customer is at the counter, on the job site, or calling in to pay, every transaction posts automatically to the right invoice or account.

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Main chalenges

Payments collected in person are the hardest ones to get back into your books.

Every disconnected terminal, handwritten receipt, and end-of-day reconciliation is a gap between the money you collected and the books that reflect it.
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In-person & job site payments never make it back to the ERP cleanly
Collected on a disconnected reader, reconciled manually at the end of the day, or not reconciled at all. By the time it posts, someone has already had to chase it down.
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Walk-in customers have no clean payment process
Card, check, or cash collected at the counter with no direct tie to an invoice or account. Someone writes it down and hopes it gets entered correctly later.
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Phone payments create double the work
A customer calls in to pay. Someone takes the card number, processes it in one system, then manually posts it back to the invoice in another. Every step is a chance for something to go wrong.
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Checks pile up and get entered late or wrong
Checks sit on a desk waiting to be keyed in. When they finally get posted, they get misapplied, duplicated, or just forgotten. It is one of the oldest problems in AR and most businesses still have not solved it.
How it works

Every payment method. Every location. One place in your ERP.

Payra terminals are built for the way your business actually collects, at the counter, in the field, and over the phone, with every transaction flowing back automatically.

1. Physical terminal & Tap to Pay for counter, walk-in, and job site

Accept card, ACH, and check at the counter or out in the field. Tap to Pay turns any phone into a terminal for job site collections. Tie the payment directly to an open invoice or post it to a cash account. Either way it hits your ERP automatically and a receipt prints on the spot or goes out by email and text if no device is present.

2. Virtual terminal for phone and in-office payments

When a customer calls in to pay, pull up their open invoice directly inside the virtual terminal, take the card or bank details, and process it in one step. No separate system, no manual posting afterward. The invoice is marked paid and the journal entries are done before you hang up.

3. Check scanning that posts directly to the right invoice

Scan the check, it matches to the invoice, and Payra handles the rest. No manual keying, no pile on the desk. The check is recorded, matched, and reconciled automatically inside your ERP.
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Every part of the payment cycle covered.

Cash Application

Every payment triggers the correct journal entries, splits out fees, and marks the invoice paid without anyone touching it.

Credit Management

Digital credit applications with bureau data pulled automatically and credit balances reflected in real time everywhere.

Physical & Virtual Terminals

Accept card, ACH, and check at the counter, job site, or over the phone with every transaction posting to your ERP automatically.

Custom Notifications

Automated reminders on a cadence you control, sent by email and text, until the invoice is paid.

Client Portal

A branded self-service portal where customers pay, view statements, and manage documents without calling your team.

Smart Invoicing

Your actual ERP invoice delivered with a payment link, by email, text, and client portal automatically.

Whatever ERP you’re running we can integrate

Why Payra

Enterprise-grade, built to move transactions of any size

Invoices go out, payments come in, and client notifications run themselves, all without a single export, login, or spreadsheet.

40%

Reduction in DSO

3 weeks

Average time to go fully live

99%

Automatic cash application match rate

75%

Reduction in customer calls and follow-ups

Case Study
2
mins to read

How Mabry Brothers cut collection times by 50% using Payra

Case Study
2
mins to read

How CBG Draft Services reduced debt with Payra

Article
2
mins to read

The real cost of waiting 83 days to get paid by your contractor customers

Security

Enterprise-grade security. Built in from day one.

Your data is protected, your transactions are secure, and your customers can trust the experience on every interaction.

FAQs

What payment methods do the terminals support?

Physical terminals, Tap to Pay, virtual terminal entry, and check scanning are all supported, so customers can pay however's easiest for them- at the counter, on the job site, or over the phone.

Do terminal payments post automatically to the right invoice?

Yes. Every transaction, regardless of how it's taken, posts directly back to the correct invoice or account in your ERP. No manual entry or reconciliation needed afterward.

Can we take payments in the field, not just at a physical location?

Yes. Tap to Pay and virtual terminal options mean your team can collect payment on a job site or over a phone call, and it still flows straight into your ERP.

Can different team members or locations take payments independently?

Yes. Terminals and virtual payment entry can be used across locations or by different team members, with everything still centralizing back into the same ERP record.

Get Started

See how Payra works inside your ERP

15 minutes. No commitment. We'll show you the exact integration with your ERP and a realistic path to go live.

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