The Future of Payments in Salesforce: AI, Real-Time Payments & Embedded Finance

Payments inside Salesforce are evolving from simple transaction tracking to a strategic layer of intelligence and automation. Three major trends are reshaping how money moves through your CRM:

  • AI inside the payment flow
  • Real-time payment rails as the new standard
  • Embedded finance within Salesforce experiences

If Salesforce only receives a basic “Paid = True” sync from an external system, you’re missing the rich payment data needed for smarter automation, better collections, and AI-driven insights.

AI Inside the Payment Flow

AI is moving upstream into payments. Instead of reacting to late payments, teams will increasingly be able to:

  • Predict pay-on-time behavior
  • Recommend optimal payment terms
  • Flag risk before shipping or service delivery
  • Trigger proactive collections workflows

But AI requires structured payment data. A simple status sync doesn’t capture timing patterns, retries, payment methods, or customer behavior. The real value comes when payment data lives natively inside Salesforce.

Real-Time Payments Become the Expectation

Quote-to-cash is becoming click-to-cash.

Customers expect faster settlement, instant deposits, and seamless transactions whether online, in a portal, or in the field. As payment rails accelerate, Salesforce must reflect real-time transaction status and settlement details to keep operations aligned.

Speed without CRM visibility creates gaps. Real-time payments demand tight Salesforce integration.

Embedded Finance Inside Salesforce

Payments are no longer separate from the CRM experience. They’re embedded into:

  1. Customer portals and Experience Cloud
  2. Field service workflows
  3. Subscriptions and recurring billing
  4. Installments, refunds, and payouts
  5. “Pay Now” buttons in invoices and emails

Embedded finance keeps customers inside Salesforce-driven experiences while giving teams full visibility.

The Limitation of Basic Syncs

If your system only pushes a final payment status into Salesforce, you lose:

 

  • Granular reporting
  • Automation triggers
  • AI-ready data
  • Clear payment insights

As AI and faster payment rails mature, having rich payment data inside Salesforce becomes a competitive advantage, not just a convenience.

Where Kulturra Fits In

Kulturra is a native payments solution on the Salesforce AppExchange designed to keep payments tied directly to Salesforce records.

With Kulturra, you can:

  • Accept credit card and ACH payments in Salesforce
  • Send payment links and collect payments in portals
  • Manage recurring billing, subscriptions, and installments
  • Take in-person payments and attach them to Work Orders, Cases, Opportunities, and more

Because payments are native to Salesforce, your team can automate, report, and evolve as AI and faster payment rails continue to advance.

The future of payments in Salesforce isn’t just about recording transactions.
It’s about turning payment data into intelligence.

Payment Links in Salesforce: Get Paid With One Click

Getting paid shouldn’t slow down your sales cycle, delay service delivery, or create extra manual work for your team. Yet for many organizations, collecting payments still involves multiple systems, manual follow-ups, or clunky customer experiences.

 

Payment Links inside Salesforce change that.

 

With Kulturra’s Payment Center for Salesforce, you can generate secure payment links directly from your Salesforce records and send them to customers instantly, no terminals, no portals, and no back-and-forth emails.

 

Just one click for your customer to pay, and everything is automatically tracked inside Salesforce.

 

What Are Payment Links in Salesforce?

Payment Links allow you to request and collect payments using a secure, shareable link generated directly from Salesforce. Instead of asking customers to log into a portal or call in payment details, you simply send them a link. They open it, pay securely by card or ACH, and you’re done.

 

Because the entire process is connected to Salesforce, payment activity is automatically recorded against the relevant record,whether that’s an Opportunity, Invoice, Case, or Quote.

The result? Faster payments, fewer errors, and a better customer experience.

How Kulturra Payment Links Work

With Kulturra, Payment Links are built directly into your Salesforce workflows. Your team can generate links from virtually any Salesforce object, including:

✅ Opportunities

✅ Cases

✅ Quotes

✅ Invoices

✅ Custom objects

Once generated, links can be sent through whatever communication channel you already use, email, SMS, customer messaging platforms, or embedded in documents.

 

Customers are taken to a secure, branded payment page where they can complete payment quickly, without needing to log in or create an account. After payment is completed, Salesforce updates automatically, and the payment link can be closed to prevent duplicate payments.

Key Features of Kulturra Payment Links

Generate Links From Anywhere in Salesforce
Create payment links directly from the records your team already works in. No switching tools or exporting data.

 

Send Links Through Any Channel
Share payment links via email, text message, or even include them in PDFs or email signatures.

 

Branded, Secure Payment Experience
Customers pay through a secure payment page that can reflect your branding,helping build trust and maintain a professional experience.

 

Automatic Salesforce Updates
When payment is completed, Salesforce records update automatically. No manual reconciliation, no data entry.

 

Smart Link Management
Payment links can automatically close after payment to prevent duplicates or overpayments.

Real-World Use Cases

Payment Links aren’t just convenient,they solve real business challenges across teams.

 

Speeding Up Sales Cycles
Send a payment link for deposits or upfront fees immediately after deal approval.

 

Remote or Field Services
Collect payments without needing physical terminals or on-site processing.

 

Accounts Receivable Collections
Make it easy for customers to pay outstanding balances with a single click.

 

Embedded “Pay Now” Experiences
Add payment links to invoices, quotes, emails, or customer communications.

Why Payment Links Reduce Friction (For Everyone)

For customers, Payment Links remove barriers. No account creation. No phone calls. No navigating complicated portals. For internal teams, everything stays inside Salesforce, where reporting, automation, and customer history already live.

 

That means:

 

✅ Less manual work

✅ Fewer payment delays

✅ Better visibility into cash flow

✅ Stronger customer experience

Getting Started With Payment Links in Salesforce

If your team is looking to accelerate cash collection, simplify payment workflows, or reduce manual reconciliation, Payment Links are one of the fastest ways to modernize your payment process inside Salesforce.

With Kulturra, you can start generating and sending payment links quickly,without changing how your team already works in Salesforce.

Find us on the Salesforce AppExchange or request a demo to see how Payment Links can fit into your current workflows and help your team get paid faster.

All About Parking

Managing event operations is complex on its own but when billing processes involve multiple systems, handoffs, and manual steps, teams lose valuable time and visibility. For All About Parking, a leader in event parking and logistics services, this challenge became increasingly difficult as their business scaled.

Their goal was simple: move faster, reduce manual work, and allow their sales teams to manage the full lifecycle of an event order without ever leaving Salesforce.

The Challenge: Fragmented Billing and Slow Payment Cycles

Before implementing Kulturra Payment Center, All About Parking relied on manual, multi-step processes to manage billing and receivables. Their workflows required multiple handoffs between departments, which often led to:

  • Delayed invoicing and payment collection
  • Bottlenecks between sales, finance, and operations
  • Limited visibility into receivables
  • A disconnected customer payment experience

Their event sales teams also couldn’t manage the entire lifecycle of an order, from proposal through final payment within Salesforce. This meant more switching between tools, more manual data entry, and less efficiency.

They knew it was time for a more streamlined, Salesforce-native approach.

Valets in parking lot

The Solution: A Fully Integrated Billing & Payments Workflow Inside Salesforce

By integrating Kulturra Payment Center directly into their Salesforce sales app, All About Parking transformed their workflow into a unified, seamless process. Now, their team can manage all billing and payment activities in one place, including:

  • Generating and sending invoices
  • Collecting payments through multiple payment options
  • Reconciling accounts
  • Tracking real-time status across the entire customers journey

This Salesforce-native workflow eliminated the complexity of separate systems and empowered their event teams to manage the entire order lifecycle faster and more accurately.

Throughout the implementation, the All About Parking team worked closely with Kulturra experts who helped ensure a smooth and successful rollout.

The Results: Faster Payments, Higher Productivity, Real-Time Visibility

Since going live with Kulturra, All About Parking has seen measurable improvements across the organization:

Faster payment turnaround times
Shorter cycles from invoicing to collection, thanks to a streamlined, end-to-end process.

Reduced manual work
Less duplicate entry and fewer handoffs between teams.

Higher productivity and accuracy
Sales teams can now handle invoicing and payments directly in Salesforce with confidence.

Real-time visibility into receivables
Finance and sales both get a clear picture of outstanding payments and overall cash flow.

A better customer payment experience
More payment options and a smoother user journey for clients making payments.

A Customer Partnership Built on Trust

For All About Parking, Kulturra delivered both a modernized billing system and a supportive implementation experience. As Steve Sirianni, VP of Sales & Client Success, shares:


“Kulturra has truly helped us simplify and modernize our billing operations. We’ve seen measurable improvements in payment turnaround times, team productivity, and real-time visibility into receivables. Their team has been incredibly responsive, knowledgeable, and a pleasure to work with.”

👉 Schedule a demo to see how you can bring invoicing, payments, and reconciliation together, all inside Salesforce.

Salesforce Automated Collections: Late Payments SOLVED

Getting paid on time is harder than it should be.

Invoices go out but payments trickle in. Your team chases down accounts receivable manually, finance is buried in follow-ups, and cash flow sits in limbo.

The impact is bigger than you think:

  • 93% of businesses report late payments as a regular issue.
  • “Net 30” terms often turn into Net 61 on average.
  • Roughly 30% of customers delay payment intentionally.

That’s wasted time, stressed-out teams, and revenue stuck in transit.

So what’s the solution? Automated collections inside Salesforce.

 

How Kulturra Fixes Late Payments


With Kulturra’s Automated Collections, built directly into Salesforce, you can replace the manual chaos with a streamlined, intelligent process.


When an invoice is overdue or a payment fails, Kulturra automatically:


✅ Sends personalized reminder emails with secure payment links
✅ Triggers retry logic for failed credit card or ACH payments
✅ Logs every step inside Salesforce, tied to the right Account or Opportunity
✅ Stops reminders instantly when payment is received


No spreadsheets. No awkward “did you get our invoice?” emails. No guesswork.

 

Full Control for Your Team

The best part? You decide how the system works. Kulturra gives you the flexibility to:

  • Set reminder intervals (e.g. every 5 days)
  • Define retry attempts and timing
  • Customize templates with merge fields like customer name, amount due, and invoice number
  • Add escalation rules (pause services, notify sales, or flag for collections)

It’s more than automation, it’s AR orchestration that’s native to Salesforce.

 

Why It Matters


Automated collections don’t just save your team time. They:

  • Improve cash flow by reducing late payments
  • Create consistency and transparency in follow-ups
  • Help you collect faster without adding headcount
  • Deliver a smoother customer experience (no awkward chases!)

Ready to Solve Late Payments?

 

If your business is spending hours chasing invoices or worse, losing money to late collections, it’s time to automate.

 

With Kulturra, Salesforce becomes your complete billing and collections hub.

 

👉 Find us on AppExchange

Salesforce Payments vs. Kulturra: Which Is Right for Your Business?

If you’re using Salesforce and want to integrate payments, you might be asking: Should I use Salesforce Payments or an AppExchange app like Kulturra?


Let’s break down the differences and help you decide which solution is the best fit for your business.

 

What Is Salesforce Payments?

 

Salesforce Payments is Salesforce’s native payment processing solution.

It allows businesses to accept:

💳 Credit cards

🏦 ACH

📱 Digital wallets

 

…all directly inside Salesforce.

 

Salesforce Payments supports features like tokenization, saved payment methods, one-click checkouts, and role-based access controls. It primarily uses Stripe as its payment gateway and focuses on simple, secure payment collection via checkout links and online forms.

 

While it’s convenient, Salesforce Payments is not a complete billing platform. It lacks:

  • Invoicing
  • Advanced recurring billing
  • Point-of-sale (POS) functionality
  • Deep customization for complex business models
 

 

What Is Kulturra?

 

Kulturra is a Salesforce-native billing and payments app on AppExchange that goes beyond simple payment collection.


Unlike Salesforce Payments, Kulturra supports 100+ processors, including:

  • Stripe
  • Square
  • PayPal
  • Authorize.net
  • CardConnect
  • And more

This flexibility means you can shop for better rates without being locked into a single provider.

But Kulturra isn’t just about choice—it’s a full billing operations platform built inside Salesforce.

With Kulturra, you get:
✅ One-time and recurring invoicing
✅ Credit card, ACH, wire, and in-person payments
✅ Tap-to-pay POS functionality
✅ Auto-reminders and retry logic
✅ Custom billing workflows
✅ Tokenization and saved cards
✅ Full audit trails and Salesforce-native reporting
✅ Hands-on support to optimize your merchant account and reduce fees

 

The Key Difference


The main difference comes down to scope:


Salesforce Payments → Helps you collect simple payments online with Stripe.

Kulturra → Helps you run your entire billing and payments process inside Salesforce, across multiple processors, with advanced features that scale with your business.

 

If you only need basic payment collection, Salesforce Payments may be enough.

 

But if you want to:

  • Lower your processing fees
  • Automate billing
  • Use Salesforce as your POS
  • Connect with multiple processors
  • Or unify sales, service, and finance data in one place…

 

👉 Kulturra is the better choice.

 

Final Thoughts

 

Salesforce Payments offers simplicity, but Kulturra brings flexibility, cost savings, and robust billing features that let you scale.


Why juggle multiple tools when you can manage payments, invoicing, and billing all in Salesforce?


📌 Find Kulturra on AppExchange
📌 Or book a demo to see it in action.

How to Use Salesforce as Your Point-of-Sale (POS)

What if your Salesforce CRM could also act as your point-of-sale (POS) system?

With Kulturra, it can. The Payment Center app transforms Salesforce into a fully functional POS with no third-party POS software, no clunky integrations, and no double entry. Just one clean, connected system.

Why Run POS Through Salesforce?

 

Traditional POS systems operate in silos, separate from your CRM. That means sales, payments, and customer data live in different places, creating duplication, errors, and headaches.

 

By running POS directly in Salesforce, everything stays in one place:

 

  • Sales data connects seamlessly with payments
  • Payment history links to customer records instantly
  • Finance, sales, and service teams all get full visibility

It’s faster, cleaner, and easier to scale as your business grows.


How It Works with Kulturra

Setting up POS in Salesforce is simple with Kulturra:

Connect a card reader or payment terminal to your Salesforce environment.

Open the record (Opportunity, Case, or even a custom object) when it’s time to collect payment.

Tap, swipe, or insert the customer’s card with the reader.

Process instantly—Kulturra records the payment, generates a receipt, and ties it to the right Salesforce record.

It works with tap-to-pay, chip, and mobile wallets, just like any modern POS.


Real-World Use Cases

POS inside Salesforce is perfect for:

  • Field Service Teams: Techs collect payments on-site as soon as a job is complete.
  • Clinics & Health Centers: Front desk reps check out patients without leaving Salesforce.
  • Showrooms & Retail Counters: Close deals and process payments instantly on the spot.
  • Events & Registrations: Accept at-the-door payments or renewals tied directly to attendee records.

In every scenario, payments are captured in real time, tied to the right account or opportunity, and available for reporting across teams.

 

The Kulturra Advantage

 

With Kulturra, you’re not juggling multiple systems. You’re streamlining payments right inside Salesforce.

 

  • No double entry
  • No third-party reconciliation
  • No more wondering who paid what

Instead, you get:

 

✔ Real-time payments linked to Salesforce records
✔ Clear audit trails and reporting
✔ A mobile-friendly POS experience built for teams on the go

 

Ready to Turn Salesforce Into Your POS?

 

Why manage sales and payments in separate systems when Salesforce can do it all? With Kulturra, your CRM becomes your POS, saving time, cutting costs, and giving you a unified view of your customers.

👉 Find Kulturra on [Salesforce AppExchange]

How One Business Saved $27,000 a Year in Payment Processing Fees

What would your business do with an extra $27,000 a year?

For one of our customers, that became a reality just by optimizing their payment processing setup with Kulturra.


The Problem: High Fees Eating Into Revenue

 

Back in late 2024, this business was processing payments through a traditional provider at an effective rate of 3.2%.

 

Here’s what that looked like:

  • Transaction volume (Nov 2024): $372,622.43
  • Total fees paid: $11,917.95

That’s more than 3 cents on every dollar going straight to fees without them even realizing it.

 

The Solution: Smarter Processing with Kulturra

 

We stepped in to review their setup, run the numbers, and find a better provider. After assessing options, CardConnect was the best fit to maximize savings.

 

Here’s what we did together:

✅ Set up a new merchant account with optimized pricing

✅ Turned on Level 2 and Level 3 data for lower interchange rates

✅ Enabled AVS checks to reduce fraud and fees

✅ Integrated everything seamlessly into Salesforce

 

The Results: Immediate and Ongoing Savings

 

The impact was fast:

  • February 2025: $170K processed → Fees dropped from $5,409.25 to $4,228.51 → $1,180 saved
  • March 2025: $460K processed → Fees dropped from $14,733.88 to $11,294.15 → $3,440 saved

That’s $4,600 saved in just two months. Projected across a year, it comes to $27,000+ in savings, all from a smarter payment setup.

 

Why It Matters

 

Payment processing fees often fly under the radar, but they can quietly drain thousands of dollars every year. The good news? With the right provider and setup, those costs can be drastically reduced.

 

At Kulturra, we help Salesforce businesses:

  • Optimize their merchant accounts
  • Avoid hidden fees
  • Automate payments and reporting inside Salesforce

The result: lower costs, faster payments, and full visibility in your CRM.

 

Are You Overpaying on Fees?

If your business runs on Salesforce, there’s a good chance you’re leaving money on the table.

 👉 Contact Kulturra to see how much you could save.

5 Payment Processing Mistakes Costing Your Business Thousands

If your business accepts credit cards, debit cards, or online payments, chances are you’re paying more than you should in fees. The truth is, a few common mistakes in how payments are handled can add up to thousands of dollars lost every year.

The good news? These mistakes are avoidable and with the right setup, you can keep more of your hard-earned revenue.

 


Choosing the Wrong Pricing Model

Flat-rate pricing seems simple: one standard rate for every transaction. Providers like PayPal, Square, and Shopify commonly use this model (e.g., 2.9% + 30¢ per transaction).

The problem? Flat-rate can get expensive if you process:

  • A high volume of transactions
  • Debit card payments (which have lower costs)
  • In-person sales (lower risk = lower fees)

The fix: Consider interchange-plus pricing, where you pay the actual transaction cost (interchange + network fees) plus a small markup. This model often saves money for businesses processing $10K+/month.

 

Manually Keying in Cards

Manually typing in card numbers = red flag for fraud. And higher fraud risk = higher fees.

The fix: Use secure payment methods instead:

  • Chip or tap payments in person
  • Hosted forms online
  • “Pay Now” links that let customers enter info directly

These methods reduce fraud risk and lower your processing rates.

 

 

Skipping AVS and CVV Checks

 

Address Verification System (AVS) and CVV checks confirm the cardholder’s details match the payment. Without them, transactions are flagged as riskier and you pay higher fees.

The fix: Turn on AVS and CVV checks from the start. You’ll lower your risk of fraud, reduce chargebacks, and often qualify for better rates.


Not Sending Level 2 or Level 3 Data

If you sell to businesses (B2B), this mistake can be very costly.

By sending additional invoice data (like tax amount, PO number, or line-item details), you qualify for Level 2 or Level 3 processing rates. That can reduce transaction fees by up to 1%—but many businesses miss out because their systems don’t support it.

The fix: If you use Salesforce, Kulturra makes it easy to send Level 2/3 data automatically with each transaction.

 

Sticking with the First Provider You Found

A lot of businesses simply sign up with their bank or the first provider they Google. The result? Higher fees, fewer features, and little support.

The fix: Work with a partner who helps you:

  • Choose the right provider for your industry and volume
  • Negotiate better rates
  • Stay PCI compliant
  • Scale as your needs grow

Save Money on Every Transaction with Kulturra

At Kulturra, we help Salesforce teams cut costs and simplify payments. Our Payment Center app connects directly to Salesforce, giving you:

  • Lower transaction fees
  • Smarter fraud prevention
  • Level 2/3 data support
  • Automated billing and reporting

Don’t let payment mistakes drain your bottom line. See how Kulturra can help you get paid faster, with fewer fees, and less hassle.

👉 Learn more on AppExchange

👉 Schedule a demo

Breaking Down the Costs of Payment Processing: What You’re Really Paying For

Every time a customer swipes a card, taps their phone, or pays online, your business pays a processing fee. But do you actually know where that money goes?

Let’s break down what you’re really paying for and how to avoid leaving money on the table.

 

Who Gets a Cut of Every Payment?

Whenever you accept a payment, multiple players take their share:

  • The customer’s bank (interchange fee)
  • The card network (Visa, Mastercard, Amex, etc.)
  • Your payment provider (Stripe, PayPal, Square, etc.)

Together, these add up to your processing fee, typically a percentage of the sale plus a flat amount.

Flat-Rate vs. Interchange-Plus Pricing

Not all providers price the same way. Two main models dominate the industry:

1. Flat-Rate Pricing

The same fee for every transaction, regardless of card type.

 Example: 2.9% + 30¢ per transaction

✔️ Easy to understand

❌ Can be more expensive long-term

Popular with: Stripe (default), PayPal, Square, Shopify Payments

2. Interchange-Plus Pricing

Breaks out the true cost of each transaction:

 Example: 1.8% (interchange) + 0.1% (network) + 0.3% (markup) = 2.2%

✔️ Transparent and often cheaper for higher volume

❌ A little more complex to read on statements

Popular with: most traditional merchant service providers

Why Fees Vary

Not all transactions cost the same. Fees change based on:

  • Card type: Rewards and business cards = higher fees; debit = lower fees
  • Transaction method: In-person card-present = cheaper; online = higher risk, higher fees
  • Industry risk: Some industries (like travel or CBD) face higher rates
  • Chargeback history: Too many disputes = penalties

Choosing What’s Right for Your Business

Flat-rate pricing works well for simplicity and predictability.

Interchange-plus is better if you:

  • Process a high volume of payments
  • Accept lots of debit cards
  • Want more transparency into costs

At Kulturra, we help Salesforce teams pick the right approach, avoid hidden fees, and connect the right merchant services provider directly into their CRM.

The Bottom Line

Payment processing fees are unavoidable but overpaying isn’t.

By understanding where your money goes and choosing the right pricing model, you can:

  • Save on every transaction
  • Improve cash flow
  • Scale your business without surprise costs

If you’re ready to optimize your payment setup in Salesforce, check out Kulturra on AppExchange.

 

Merchant Services: A Complete Beginner’s Guide

If you’ve ever accepted a payment whether online, over the phone, or in person, you’ve already used merchant services. But what exactly are they, and what should you know before choosing a merchant services provider?

Let’s break it down.

 

 

What Are Merchant Services?

 

Merchant services are the systems and tools that let your business accept payments from customers. That includes credit cards, debit cards, ACH transfers, and even digital wallets. Behind the scenes, they handle the entire process of moving money from your customer’s account to yours quickly and securely.

 

But merchant services are more than just swiping a card. They can also include:

  • Processing payments
  • Managing refunds and chargebacks
  • Securely storing payment methods
  • Providing reporting and reconciliation tools

In short: if getting paid is the goal, merchant services are the infrastructure that makes it happen.

 

How Do Merchant Services Work?

 

When a customer makes a payment, there’s a lot going on in just a few seconds:

 

Capture – The provider captures card or bank details.

Routing – The payment gateway sends those details to the right network (Visa, Mastercard, etc.).

Authorization – The payment processor communicates with the customer’s bank for approval.

Settlement – If approved, funds are transferred to your account, minus fees.

All of this happens behind the scenes, giving businesses fast payments, fewer errors, and happier customers.

 

Why Merchant Services Matter for Businesses of All Sizes

 

Small businesses – Accept credit cards instead of relying on cash or checks.

Growing companies – Handle increasing payment volume without bottlenecks.

Enterprises – Customize, report, and maintain compliance at scale.

 

The right merchant services setup impacts your cash flow, customer experience, and overall efficiency.

 

What to Look for in a Merchant Services Provider

 

Before signing up, consider these key factors:

 

Ease of integration – Works with your CRM, accounting, and existing systems.

Payment types – Cards, ACH, mobile wallets, recurring billing.

Fees – Understand all transaction and monthly costs.

Security – PCI compliance, tokenization, encryption.

Reporting – Real-time tracking and easy reconciliation.

Customer experience – Multiple payment options, simple checkout process.

 

Merchant Services + Salesforce: The Kulturra Advantage

 

At Kulturra, we’ve built Payment Center to handle all of the above directly inside Salesforce. That means:

  • Accepting credit cards, ACH, in-person, and online payments in one place.
  • Automating invoicing, recurring billing, and payment reminders.
  • Storing payment data securely with tokenization.
  • Gaining complete visibility with real-time reports.

No extra systems. No manual reconciliation. Just faster, smarter payments.

 

Final Takeaway

Whether you’re just starting out or scaling your business, understanding merchant services and picking the right provider can be the difference between slow cash flow and seamless operations.

 

If you’re ready to bring payments into Salesforce and streamline your entire billing process, check out Kulturra Payment Center on AppExchange and see how easy it can be.

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