How payments work in NetSuite
NetSuite is built to work with outside payment gateways rather than its own processor. A gateway is the connection that passes each sale from NetSuite to the company that settles your card money. Oracle's documentation lists preferred gateways, including CyberSource, MerchantE and PayPal Payflow Pro.
Other gateways connect through add-on apps. Which ones are available, and how they handle fees and deposits, depends on your NetSuite account.
Who this suits
Best fit
- A company that invoices through NetSuite and takes card or bank payments from business customers.
Not a fit
- A company that rarely takes card payments on invoices.
What a switch involves
- Finding out which gateway your account uses today, and which company processes your cards behind it.
- Checking whether a different gateway needs an add-on app installed in your account.
- Confirming how card fees and deposits are posted, so your accounting still matches your bank.
- If you take cards in person, confirming how a card terminal would connect. The gateway connections we found documented are for payments without the card present.
What to watch
- Cards your customers have saved on file. Ask whether they can be moved to the new setup, or whether customers would need to enter them again.
- Recurring billing and subscriptions, which are tied to those saved cards.
- Gift card balances, if you sell gift cards.
- Card surcharges. Card network rules and some state laws limit them, so check before you add or keep one.
- Your current contract end date and any early cancellation fee.
Questions merchants ask
How do I record credit card processing fees in NetSuite?
That is an accounting setup question for your accountant or NetSuite partner. What we can do is show you where each fee appears on your statement so the numbers line up.
Can I use a physical card terminal with NetSuite?
Merchants ask this often. The gateway connections we found documented are for payments without the card present, so in-person terminals usually need a separate setup. We confirm what is possible for your account.
Can I add a card surcharge in NetSuite?
Merchants ask for a compliant way to do this. Rules vary by card network and by state, so check before you add one. Our surcharge guide covers the basics.
Why do my deposits not match my sales?
Deposits arrive after fees come out, and usually on a different day than the sale. Matching them is a reconciliation task. Your statement lists each batch and each fee.
See what you pay, for free
A person reads your statement with you and tells you what each fee means and whether a different processor is even possible with NetSuite. There is no pressure to switch.