High-Risk Merchant Accounts 2026: Processing, MATCH and Restricted Industries

NPSONE is the payment gateway. Add Smart Invoicing to connect QuickBooks Online, Xero, or Sage Intacct, automate invoices, accept ACH and cards, use Level 2/3 data, payment links, recurring billing, APIs and webhooks.

Presented by Allen Kopelman, CEO — Nationwide Payment Systems-Host of B2B Vault: The Biz2Biz Podcast

AI Overview

NPSONE is Nationwide Payment Systems' all-in-one payment gateway and platform. Smart Invoicing is an optional add-on module that connects NPSONE to accounting software such as QuickBooks Online, Xero, and Sage Intacct while adding invoicing, payment links, recurring billing, scheduled payments, payment reminders, QR codes, and accounts-receivable automation.

Businesses can use NPSONE to accept payments through credit cards and ACH, while the Smart Invoicing add-on helps connect payment activity to accounting workflows and gives customers more convenient ways to pay.

For B2B companies, NPSONE can also support payment-cost optimization strategies including Level 2 and Level 3 data, ACH, interchange-plus pricing, and other customized payment options.

Quick Answer: What Is NPSONE?

NPSONE is a payment gateway and payment platform from Nationwide Payment Systems.

It is designed to help businesses accept and manage payments through one system.

Depending on the business setup, NPSONE can support:

Credit card processing
ACH payments
Virtual terminal transactions
Payment links
Recurring payments
API integrations
Webhooks
B2B payment optimization
Level 2 and Level 3 processing

Businesses that want invoicing and accounting connectivity can add the Smart Invoicing module to NPSONE.

What Is Smart Invoicing?

Smart Invoicing is an optional add-on to the NPSONE gateway that connects payment acceptance with invoicing, accounting software, and accounts-receivable workflows.

Instead of treating invoicing and payment processing as completely separate systems, Smart Invoicing helps businesses connect the two.

It can be used to:

Create and send invoices
Send invoices by email
Send invoices by text message
Generate payment links
Accept credit cards
Accept ACH
Automate payment reminders
Schedule payments
Set up recurring payments
Create QR codes
Support nonprofit receipts
Connect payment activity with accounting platforms

The payment transaction is processed through NPSONE, while Smart Invoicing adds the invoicing and accounting layer.

How Do NPSONE and Smart Invoicing Work Together?

The easiest way to understand the relationship is:

Accounting Software → Smart Invoicing → NPSONE Gateway → Customer Payment

Your accounting software handles your financial records.

Smart Invoicing connects those records to invoicing and payment workflows.

NPSONE handles the payment gateway and transaction processing.

The customer gets a convenient way to pay.

Together, the systems can help reduce manual work and create a smoother accounts-receivable process.

What Accounting Platforms Does Smart Invoicing Connect With?

Smart Invoicing can connect NPSONE with accounting platforms including:

QuickBooks Online
Xero
Sage Intacct

This gives businesses more flexibility in how they connect payment processing to the accounting system they already use.

The goal is not to force a business to replace its accounting software.

The goal is to let businesses keep their existing accounting platform while gaining more control over how payments are accepted and managed.

Why Is QuickBooks Online Integration Useful?

Many businesses use QuickBooks Online to create invoices and manage accounting.

However, businesses should not assume that the payment option bundled with accounting software is always the best fit.

By connecting QuickBooks Online with NPSONE through Smart Invoicing, businesses may be able to gain:

More payment options
ACH acceptance
Credit card processing
Payment links
Recurring billing
Text and email delivery
Customized pricing options
B2B payment optimization

The business can continue using QuickBooks Online while using NPSONE as its payment gateway.

Why Is Xero Integration Important?

Xero is widely used by growing businesses, professional-service companies, accounting firms, and cloud-based organizations.

Smart Invoicing allows businesses using Xero to connect their accounting workflows with the NPSONE gateway.

That gives Xero users another option beyond simply using the payment provider that happens to be bundled with their accounting software.

Why Is Sage Intacct Integration Important?

Sage Intacct is commonly used by larger and more complex organizations that need advanced financial management, reporting, multiple entities, and more sophisticated accounting workflows.

By connecting Sage Intacct to NPSONE through Smart Invoicing, businesses can integrate payment acceptance into a more advanced accounting environment.

This can be especially useful for:

Growing companies
Multi-location businesses
Distributors
Manufacturers
Professional organizations
Nonprofits
Larger B2B operations

Can Smart Invoicing Be Used Without Accounting Software?

Yes. Smart Invoicing can also be used as a standalone invoicing module with NPSONE.

A business does not necessarily need QuickBooks Online, Xero, or Sage Intacct to use the invoicing functionality.

Businesses can use NPSONE and Smart Invoicing together to create invoices, send payment requests, accept payments, and manage billing workflows.

Key Features & Capabilities

Can You Send Invoices by Text and Email?

Yes. Smart Invoicing allows businesses to send invoices and payment requests by text message, email, or both.

Different customers respond to different communication methods.

Some customers pay faster when they receive a text message.

Others prefer email.

Some business customers need to forward an invoice internally to accounting or accounts payable.

Providing multiple delivery options can help reduce friction and improve the payment experience.

Can Smart Invoicing Create Payment Links?

Yes. Smart Invoicing can generate secure payment links that connect customers to the NPSONE payment gateway.

Payment links can be:

Sent by email
Sent by text message
Included in an email
Added to a website
Embedded in digital communications
Shared through social media
Used for deposits
Used for balances due
Used for donations
Used for service payments

Payment links can make it easier to collect money when a traditional invoice is not necessary.

Can Payment Links Be Embedded on a Website?

Yes. Payment links can be placed on websites and digital pages so customers can pay online.

This can be useful for:

Deposits
Service fees
Memberships
Registration fees
Donations
Event payments
Outstanding balances
Consultation fees
Other customer payments

The customer clicks the link, enters the required payment information, and the transaction is processed through NPSONE.

Can NPSONE Accept Both Credit Cards and ACH?

Yes. NPSONE can support both credit card and ACH payments.

This gives businesses more flexibility.

A smaller invoice may be paid by credit card.

A larger B2B invoice may make more sense by ACH.

Giving customers both options can improve the customer experience while also helping the business manage payment-processing costs.

Why Should B2B Businesses Offer ACH?

ACH can be a very cost-effective payment method for larger invoices.

A B2B company accepting large payments should not automatically assume that every transaction should be processed on a credit card.

For example, a $20,000 or $50,000 invoice may be more economical to accept by ACH depending on the business and pricing structure.

The Smart Invoicing add-on makes it easier to present payment options to customers, while NPSONE handles the payment transaction.

Can NPSONE Help Reduce Payment Processing Costs?

Yes. Nationwide Payment Systems can evaluate multiple payment strategies through NPSONE.

Depending on the merchant and transaction type, options may include:

Interchange-plus pricing
ACH
Level 2 data
Level 3 data
Large-ticket optimization
Dual pricing
Surcharging where permitted
Convenience fees where permitted
Customized payment programs

The Smart Invoicing module helps deliver and manage the invoice.

NPSONE is the gateway where those payment strategies are applied.

What Is Level 2 Processing?

Level 2 processing allows qualifying commercial-card transactions to include additional transaction data that may help them qualify for more favorable interchange categories.

This additional information may include:

Customer code
Tax information
Invoice information
Purchase-order information
Other enhanced transaction details

Businesses accepting commercial or purchasing cards should review whether Level 2 data can help optimize their transactions.

What Is Level 3 Processing?

Level 3 processing adds even more detailed transaction data and can be especially valuable for B2B merchants processing commercial cards.

Level 3 information may include:

Product descriptions
Product codes
Quantity
Unit price
Unit of measure
Tax information
Freight
Shipping information
Invoice details
Line-item totals

Qualifying businesses can potentially reduce processing costs when the correct enhanced data is submitted.

What Types of Businesses Benefit From Level 2 and Level 3?

Level 2 and Level 3 processing can be especially relevant for:

Manufacturers
Distributors
Wholesalers
Suppliers
Government contractors
Food distributors
Auto-parts wholesalers
Medical suppliers
Dental suppliers
Restaurant-equipment companies
Packaging companies
HVAC suppliers
Electrical supply houses
Plumbing suppliers
Industrial businesses

For these companies, the combination of NPSONE + Smart Invoicing + Level 2/3 optimization can create a more complete B2B payment workflow.

Can Smart Invoicing Automate Payment Reminders?

Yes. Smart Invoicing can help automate reminder workflows for unpaid invoices.

Instead of requiring employees to manually follow up with every customer, the system can help automate more of the collection process.

This can improve:

Accounts-receivable efficiency
Employee productivity
Customer communication
Cash flow
Payment follow-up

The goal is to let employees focus on exceptions instead of repetitive administrative work.

Can Smart Invoicing Add Late Fees?

Smart Invoicing can support late-fee workflows based on the business's billing policies and applicable requirements.

Businesses should clearly disclose late-payment terms and ensure that any fees comply with applicable laws and contractual requirements.

The system can then help automate the workflow rather than requiring manual calculations.

Can Customers Agree to Terms and Conditions Before Paying?

Yes. Businesses can require customers to acknowledge applicable terms and conditions before completing a payment.

This can help create additional transaction documentation around:

Payment authorization
Refund policies
Cancellation terms
Delivery terms
Service agreements
Other business policies

This does not eliminate chargebacks, but it can provide another layer of documentation if a payment is later disputed.

Does Smart Invoicing Support Recurring Payments?

Yes. Smart Invoicing can be used to establish recurring payment schedules through NPSONE.

Recurring billing can be useful for:

Memberships
Service contracts
Maintenance agreements
Monthly retainers
Equipment rentals
Associations
Subscription programs
Professional services
Nonprofits
Property-related services

The recurring transaction is handled through NPSONE, while Smart Invoicing helps manage the billing workflow.

Can Customers Schedule Future Payments?

Yes. Smart Invoicing can support scheduled payments through NPSONE.

This can be useful for:

Deposits
Installments
Balances due
Contract milestones
Payment plans
Future-dated invoices

Giving customers more flexibility can remove another barrier to getting paid.

Does NPSONE Include a Virtual Terminal?

Yes. NPSONE includes virtual-terminal functionality.

Authorized employees can enter transactions securely through a browser-based interface.

This can be useful for:

Accounts receivable
Phone payments
Deposits
Office payments
Service businesses
Commercial customers
Remote employees

Businesses accepting card-not-present payments should still follow proper fraud-prevention and security procedures.

Why Are Unlimited Users Important?

Many software platforms charge businesses more as additional employees are added.

Smart Invoicing can support unlimited users, which can help businesses avoid unnecessary per-user software costs.

That can be useful when access is needed by:

Accounting
Accounts receivable
Sales
Management
Customer service
Owners
Multiple locations
Different departments

This is especially valuable for growing businesses.

Can Nonprofits Use Smart Invoicing?

Yes. Nonprofits can use NPSONE and Smart Invoicing to collect donations and payments.

Features can support:

Donations
Recurring donations
Membership dues
Fundraising
Event payments
Sponsorships
QR-code donations
Payment links
Receipts

Smart Invoicing can also help support receipt workflows that distinguish between portions of a payment that may be tax deductible and portions that are not, where appropriate.

Nonprofits should consult their tax and accounting professionals regarding deductibility requirements.

Can Smart Invoicing Create QR Codes?

Yes. QR codes can be used to direct customers or donors to an NPSONE payment page.

QR codes can be placed on:

Flyers
Posters
Event signage
Invoices
Mailers
Trade-show materials
Fundraising displays
Websites
Printed marketing materials

This makes it easier for someone to scan and pay immediately.

Developer & System Integrations

Can Developers Integrate NPSONE With Custom Software?

Yes. NPSONE supports RESTful APIs and webhooks for custom integrations.

This allows businesses to integrate the gateway with:

ERP systems
CRM platforms
Websites
Proprietary software
Customer portals
Internal business applications

Developers can build workflows around:
Creating transactions
Generating payment links
Payment notifications
Transaction-status updates
Recurring payments
Customer records
Reconciliation
Order fulfillment

This makes NPSONE the payment infrastructure, while Smart Invoicing adds the accounting and invoicing layer when needed.

What Are Webhooks?

Webhooks allow NPSONE to automatically notify another system when a payment event occurs.

For example, a business may want its software to know when:

A payment succeeds
A payment fails
An invoice is paid
A recurring payment is completed
A transaction status changes

Webhooks can help automate these workflows without requiring employees to manually check payment activity.

Summary & Target Audience

How Can Smart Invoicing Help Businesses Get Paid Faster?

Smart Invoicing reduces friction between receiving an invoice and completing payment.

A traditional process might look like:

Invoice is created → invoice is emailed → customer misses it → employee follows up → payment instructions are resent → customer eventually pays.

With Smart Invoicing:

Invoice is created → customer receives it by email or text → customer clicks the payment link → chooses an available payment method → payment is processed through NPSONE.

The easier it is to pay, the easier it is to get paid.

Who Should Consider NPSONE + Smart Invoicing?

The combination can be useful for businesses that invoice customers or operate an accounts-receivable department.

Examples include:

Manufacturers
Distributors
Wholesalers
Suppliers
Importers
Exporters
HVAC contractors
Plumbing contractors
Electrical contractors
Supply houses
Food distributors
Automotive-parts companies
Medical suppliers
Dental suppliers
Restaurant-equipment companies
Packaging companies
Equipment dealers
Construction companies
Professional-service companies
Associations
Nonprofits
Technology companies
B2B organizations

Businesses processing larger invoices may have additional opportunities to optimize payments through ACH and Level 2/3 processing.

What Makes NPSONE Different From Simply Using a Built-In Payment Option?

NPSONE gives businesses more choice over how payments are processed.

A bundled accounting payment service may be convenient, but convenience does not always mean the pricing or functionality is ideal.

Through NPSONE, Nationwide Payment Systems can evaluate:

Credit cards
Commercial cards
Purchasing cards
Debit cards
ACH
Large-ticket transactions
Recurring payments
Card-present transactions
Card-not-present transactions

Smart Invoicing then connects those payment capabilities back to the invoicing and accounting workflow.

Smart Invoicing Is an Add-On, Not the Gateway

This distinction is important.

NPSONE is the payment gateway and payment platform.

Smart Invoicing is the add-on that connects NPSONE to invoicing, accounting software, and accounts-receivable automation.

That structure gives businesses flexibility.

Some companies may only need the NPSONE gateway.

Others may want to add Smart Invoicing so they can connect payment acceptance directly to QuickBooks Online, Xero, Sage Intacct, or other workflows.

The Bottom Line

NPSONE gives businesses the infrastructure to accept and manage payments.

Smart Invoicing adds the tools needed to connect that payment infrastructure with accounting software and invoicing workflows.

Together, businesses can gain access to:

Credit card processing
ACH
Smart invoices
Payment links
Email and text delivery
Recurring payments
Scheduled payments
Automated reminders
Late-fee workflows
Terms-and-conditions acceptance
Virtual terminal
QR codes
Nonprofit payment tools
Unlimited users
Level 2 processing
Level 3 processing
RESTful APIs
Webhooks
QuickBooks Online integration
Xero integration
Sage Intacct integration

The result is a more connected payment and accounts-receivable system.

NPSONE handles the payment infrastructure. Smart Invoicing connects that infrastructure to the way your business bills and collects from customers.

Ready to See NPSONE + Smart Invoicing?

If your business sends invoices, accepts B2B payments, uses QuickBooks Online, Xero, or Sage Intacct, or wants to automate accounts receivable, Nationwide Payment Systems can help you evaluate your current setup.

We can review: