Priority Commerce Engine for Payment Processing

All-in-One Payment Processing

How It Works

The Priority Commerce Engine (PCE) offers a complete toolkit for payments and banking features that make monetizing your commerce network more profitable and more streamlined than ever.

The automated boarding API gets clients set up quickly and efficiently with full regulatory compliance oversight. Users can access various payment routes, including:

  • Credit/Debit Acceptance
  • Virtual & Debit Card Issuing
  • ACH
  • Wires
  • Checks
  • Lock Box Services

Who Uses the Priority Commerce Engine?

The PCE is purpose-built for businesses that manage high transaction volumes, complex fund flows, and evolving customer expectations. It supports organizations across many industries, including SaaS platforms managing usage-based billing, independent software vendors (ISVs) building financial features into their applications, and marketplaces juggling disbursements across seller networks.

PCE is also a fit for financial institutions and embedded finance platforms that require regulatory support and programmable infrastructure. By combining flexibility with a deep feature set, PCE enables both new and established businesses to accept online payments, automate back-office operations, and deliver user-friendly financial experiences.

One of PCE’s most powerful traits is its adaptability. The architecture molds to each model’s operational needs—supporting use cases like vendor payouts, client invoicing, and automated receivables with equal precision. Businesses dealing with variable commissions, subscription billing, or split funding can configure workflows to reflect their financial logic, not the other way around.

This is especially vital for B2B businesses where volume, precision, and timing are everything. For these organizations, having access to real-time payment reconciliation, rules-based disbursements, and automated accounts payable isn’t just helpful—it’s mission-critical.

PCE delivers these capabilities within a unified framework designed to scale as your infrastructure grows.

Banking as a Service

PCE’s Banking-as-a-Service solution is fully customizable, enabling seamless reconciliation and integration with any general ledger structure. Whether managing cash flow, processing transactions, or handling multi-party funding for pay-ins and pay-outs, PCE automates and optimizes financial operations with precision. The data science capabilities are just as impressive with full-featured reporting within a certified, audit-ready infrastructure.

PCE Supports:

  • Complex General Ledger Structures
  • Transaction Posting
  • Multi-Party Funding & Same-Day Funding
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Adaptable to Your Business

PCE empowers fast-growing businesses with financial agility and operational stability. The entire platform is user-friendly and designed to fit the needs of a dynamic business landscape.

Who We Serve

Key Features at a Glance

PCE goes beyond simple transaction fee routing to offer a feature-rich ecosystem tailored for modern business needs. Unlike a legacy payment processor, PCE unifies automation, reconciliation, and settlement tools under one interface.

Core features include:

  • Same-Day Funding: Get access to your money faster, improve working capital, and avoid the delays that often bottleneck operations.
  • Customizable GL Mapping: Map transaction-level data directly to your general ledger structure, making audit prep and financial reporting frictionless.
  • Automated Disbursements: Schedule vendor or contractor payments with built-in conditions, amounts, and routing logic.
  • Hosted Payment Gateway: Offer a secure, branded checkout experience for your users while maintaining backend transparency.
  • Compliance & Audit Trails: Generate audit logs and adhere to financial regulations automatically—a necessity for modern enterprises and regulated entities.
  • Multi-Entity Structure Support: Operate across subsidiaries or business units with shared oversight and individualized control.
  • Flexible Payment Routing: Consolidate card, ACH, wire, and digital check payments into a single operational layer.

Every tool is built to reduce manual oversight, accelerate the payment process, and improve accuracy—making financial management less burdensome and more strategic.

Discover New Revenue Opportunities  

Accelerate Cash Flow

Priority automates 100% of your accounts payable to ensure timely payments and speed up payment cycles, ultimately strengthening business relationships. Businesses can even receive same-day funding with our Passport banking service.

Optimize Working Capital

Access funds quicker and stretch cash further with flexible payment options. You can pay vendors how you want with options like Plastiq, which lets you pay vendors by credit card while automatically converting payments to ACH deposits.

Reduce Unnecessary Costs

PCE automates transactions, account management, and fund transfers—saving time, reducing errors, and cutting costs. Clients also benefit from lower processing fees and cash-back opportunities.

Streamline Transactions

Priority Commerce Engine integrates multiple financial services to reduce complexity, simplify operations, and enhance efficiency. Collect, store, lend, and send money in one platform.

Integrated Payment Infrastructure for Platforms

Platform-based businesses—like SaaS apps, ISVs, and marketplaces—thrive when financial operations are fully embedded into the user experience. PCE was built specifically to deliver this level of seamless integration. As a complete payment infrastructure for platforms, PCE allows companies to embed billing, disbursements, and reconciliation tools directly into their product environments.

With support for multi-party payment processing, virtual and debit card issuing, wire transfers, and ACH, platforms can manage complex cash flow logic at scale. Businesses can split incoming funds, delay disbursements until specific conditions are met, or route payments across multiple entities—PCE’s logic-driven engine handles it all with ease.

Beyond transactional capability, PCE removes the operational burden of managing compliance. You don’t need to become a bank or build a finance team to go live—PCE handles PCI compliance, regulatory oversight, and identity verification as part of the onboarding process. This drastically reduces time-to-market and helps platforms stay focused on growth.

Additionally, features like revenue-share support, white-labeled UI components, and full audit trails allow platforms to create branded financial workflows that enhance their core offerings. By integrating these services natively, businesses can unlock new revenue streams while delivering greater value to their end users. This means a faster launch, better UX, and a reduced need for outside contractors or tools.

Instead of building payments from scratch, PCE lets you launch an operationally mature payment layer—complete with B2B payment automation, real-time tracking, and smart disbursements—from day one.

Security & Compliance Overview

For companies operating at scale, security and regulatory compliance aren’t optional—they’re foundational. PCE operates as a certified payment processing company, meeting and exceeding standards such as PCI-DSS and NACHA to protect sensitive transaction data.

From initial onboarding to final settlement, every data point is encrypted, tokenized, and stored with access control safeguards in place. Only verified users with assigned permissions can interact with the data, minimizing exposure risk and supporting proper audit segmentation.

PCE also offers compliance-focused reporting tools and audit-friendly logs, making it easier for finance teams to satisfy internal policies, external audits, and regulatory requirements without third-party software.

Preparing for a funding round or undergoing a compliance review? PCE’s platform is built to be your back-office ally. And because it’s already certified, your company can maintain compliance without implementing separate infrastructure or hiring a dedicated compliance officer.

This is key for industries like fintech and healthcare as well as government contractors, where data breaches or lapses in oversight carry high financial and reputational risks. PCE gives your organization confidence to scale without compromise.

Frequently Asked Questions About the Priority Commerce Engine

What types of businesses benefit most from the Priority Commerce Engine?

The PCE is built to serve a wide range of complex payment solution environments. Ideal for SaaS platforms, B2B service providers, financial marketplaces, and embedded finance solutions, it supports businesses that need to handle large volumes of transactions with precision and control.

PCE enables companies to manage dynamic payment workflows such as automated invoicing, scheduled disbursements, vendor billing, and recurring subscriptions. Its real strength lies in its ability to support customized workflows—making it a standout option for enterprises operating in regulated industries, managing decentralized teams, or building revenue models on embedded financial tools.

How long does onboarding take with PCE?

The onboarding process with PCE is designed for speed and scalability. Thanks to a fully automated boarding API and a compliance-ready infrastructure, most clients can begin transacting within just a few business days. Our system validates business data in real time and handles KYC/AML requirements in the background, so you don’t waste time on paperwork or lengthy approvals.

Clients also receive direct support from our integration and compliance teams, who help configure environments, test sandbox functionality, and align the system with your preferred operational structure—delivering a fast and frictionless path to production.

Does PCE support international transactions and currency conversion?

Yes. PCE enables companies to operate globally through comprehensive cross-border transaction support. This includes international wire transfers, FX conversion, and multi-currency settlement capabilities. You can manage vendor or partner payments across dozens of currencies while benefiting from transparent exchange rates and centralized reporting.

Our platform’s global payout framework helps businesses expand internationally without building separate payment systems for each market. PCE simplifies international compliance, too, supporting AML screening and local regulatory adherence to streamline your global growth.

Can PCE integrate with ERP, CRM, or accounting platforms?

Absolutely. PCE’s flexible API payment integration framework allows seamless integration with leading ERP systems (like NetSuite, Oracle, and SAP), CRM platforms (such as Salesforce), and accounting tools (including QuickBooks and Xero). This enables automatic data syncing for transaction records, vendor payments, and account balances—eliminating the need for manual data entry or duplicate systems. Businesses benefit from greater financial visibility, accelerated reconciliation, and reduced errors across all back-office operations.

With customizable data mapping and webhook support, your team can build a fully connected finance ecosystem tailored to your needs.

Is same-day funding available for ACH and card payments?

Yes. PCE supports same-day funding options for both ACH and card-based transactions, depending on your processing configuration and account setup. This feature can be a gamechanger for businesses that rely on frequent cash cycles or time-sensitive payouts—such as marketplaces, service platforms, or contractor networks.

Faster access to funds reduces dependency on credit, strengthens vendor relationships, and improves liquidity. PCE’s intelligent funding engine also allows businesses to configure cutoff times, fund allocation rules, and processing triggers—so working capital is always within reach.

How does PCE handle multi-party payments and disbursements?

PCE supports complex multi-party funding flows with built-in logic for distributing payments based on roles, conditions, or revenue share agreements. Businesses can automate split settlements to contractors, vendors, affiliates, or sub-merchants without manual intervention.

Whether disbursing commissions, routing funds between departments, or managing milestone-based payouts, PCE tracks each leg of the transaction in real time. This feature is particularly useful for marketplaces or SaaS platforms where transparency, traceability, and compliance are vital. Everything is logged, reportable, and fully auditable for operational clarity.

What makes PCE different from traditional payment processors?

Unlike traditional processors that focus solely on card acceptance or fixed-rate merchant services, PCE delivers a modular, programmable environment that adapts to your financial model. It functions as both a payment gateway and a full-stack infrastructure solution, offering everything from bank connectivity and card issuing to ledger mapping and same-day settlements.

PCE empowers businesses to build and scale complex financial workflows without relying on multiple vendors. Our banking as a service platform is designed for configurability, real-time visibility, and intelligent automation—delivering more than just transaction capabilities, but operational flexibility and cost-efficiency.

What kind of reporting and analytics does PCE provide?

PCE includes robust analytics tools that give finance teams full visibility into payment operations. Users can access real-time dashboards with key metrics like transaction volume, average settlement time, error rates, and payment processing fees. The platform offers batch-level reports, funding timelines, and customizable audit trails to support both strategic decision-making and compliance preparation.

What’s more, our advanced reporting modules can be configured to track cash flow by department, region, or business unit. This not only supports faster close cycles, but also helps you pinpoint revenue trends and operational inefficiencies.

Is PCE customizable to our general ledger structure?

Yes. As an advanced online payment processor, PCE was built with multifaceted enterprise payment processing and accounting complexity in mind. No matter if your business operates under a single GL or across multiple legal entities, currencies, or cost centers, PCE allows you to configure custom ledger mapping rules that align with your internal reporting. This flexibility supports more accurate data entry, easier reconciliation, and faster audits. It also reduces strain on finance teams by eliminating manual allocation or journal entry corrections.

For businesses using advanced ERP structures, this capability bridges the gap between online payment execution and financial accounting.

How does the platform protect security and maintain regulatory compliance?

PCE is built on a secure, compliant foundation designed to meet the needs of highly regulated industries. It adheres to PCI-DSS standards for payment data protection, incorporates NACHA-compliant ACH processes, and features end-to-end encryption, tokenization, and role-based access controls. The platform also supports audit log creation and secure data retention policies—crucial for financial oversight and regulatory inspections.

PCE’s infrastructure enables businesses to remain compliant while significantly reducing internal risk. It’s more than a payment processing platform—it’s a shielded environment for your most sensitive financial operations.