Reviewed by Mayer Hyman, Payments Specialist | Reviewed for accuracy July 1, 2026
Key Takeaways
- B2B embedded payments volume is projected to nearly quadruple from $0.7 trillion in 2021 to roughly $2.6 trillion by 2026 (PYMNTS, 2026).
- Businesses running ERP-connected payment workflows report 20-25% faster invoice-to-cash cycles.
- Infor was named a Leader in the 2025 Gartner Magic Quadrant for Cloud ERP for Product-Centric Enterprises, its fifth consecutive year in that position.
- CloudSuite doesn’t natively cover payment processing, chargeback management, or fraud protection at the depth most growing merchants need, which is why it’s built to integrate with a dedicated payments partner rather than replace one.
What Is Infor CloudSuite?
Infor CloudSuite is a vertically-focused collection of enterprise resource planning (ERP) applications covering financials, supply chain, HR, and product lifecycle management. Its core users cluster around distribution, manufacturing, and services, many upgrading from legacy Infor products like M3 or SyteLine, others replacing monolithic in-house systems or a patchwork of tools that stopped working well together.
Infor’s customer base skews toward companies with complex, industry-specific operations, global automotive brands, food and beverage distributors, fashion manufacturers, where a generic ERP wouldn’t fit the workflow. That’s a deliberate strategy, not an accident: Infor was named a Leader in the 2025 Gartner Magic Quadrant for Cloud ERP for Product-Centric Enterprises for the fifth year running, a category built around exactly that kind of vertical depth.
Why So Many Businesses Are Moving Off Legacy Systems
Companies adopting CloudSuite are usually trying to solve the same problem: they want their financial, operational, and payment data to actually talk to each other, without vendor lock-in forcing every future decision. Cloud-native infrastructure, regular feature updates, and the ability to tailor the platform to a specific vertical are the draw, not just cost savings.
Even heavily regulated businesses, banks, insurers, healthcare distributors, are moving in this direction. Avoiding capital-heavy on-prem server investment matters, but so does the ability to plug new payment types and channels in as they emerge instead of waiting on a multi-year re-platform.
What Does an ERP-Embedded Payments Strategy Actually Change?
Embedding payments directly into ERP workflows, rather than bolting a separate payments system on top, is where most of the measurable gain shows up. Businesses running ERP-connected payment workflows report 20-25% faster invoice-to-cash cycles, and B2B embedded payments volume is projected to climb from $0.7 trillion in 2021 to around $2.6 trillion by 2026 (PYMNTS, 2026).
That shift matters because disconnected payment tools create reconciliation gaps: a transaction posts in the payment gateway, but someone still has to manually match it against the ERP ledger. Embedded payments close that gap by keeping the transaction, the chargeback record, and the accounting entry in the same system of record.
Where CloudSuite Falls Short on Its Own
CloudSuite and comparable enterprise platforms ship with a broad feature set, but payment processing depth isn’t one of their strengths. Financial services and volume payments tend to lag behind other modules in general-purpose ERP suites (Infor’s own commentary on cash and treasury automation makes a similar point). CloudSuite is integrated with the CenPOS payment gateway, which is where a dedicated payments partner comes in.
Combining Payments Architecture With ERP Infrastructure
Cartis Payments is a payment processing provider, not an ERP vendor or a generic productivity suite, which is why it plugs into CloudSuite through the CenPOS gateway rather than trying to replace it. As an Elavon payments software integration partner working with ISVs, B2Bs, and merchants of every size, Cartis pairs Elavon’s merchant services, payment gateways, and card processing infrastructure with fraud protection, chargeback management, and currency handling delivered through a single API. Millions of transactions run through payment infrastructure like this every day for high-growth merchants, and there’s no room for downtime or a pause for updates. That’s the specialist layer CloudSuite is built to integrate with, not duplicate.
Best Practices Before You Connect Payments to Your ERP
- Confirm which payment gateway your ERP already integrates with (for CloudSuite, that’s CenPOS) before evaluating processors.
- Map your current invoice-to-cash process and flag every manual reconciliation step, those are the ones embedded payments should eliminate first.
- Ask any payments partner directly whether chargeback management and fraud protection run through the same API as processing, or as a separate bolt-on.
- Check compliance requirements specific to your industry and region (PIPEDA, CCPA, and similar) before finalizing a payments integration timeline.
- Build in time for merchant setup, testing, and certification. Rollouts that skip this step tend to slip further than ones that plan for it upfront.
FAQ
Does Infor CloudSuite handle payment processing on its own?
Not at the depth most growing merchants need. CloudSuite integrates with the CenPOS payment gateway, and businesses typically pair it with a dedicated payments provider for processing, chargeback management, and fraud protection.
How much faster is invoice-to-cash with ERP-embedded payments?
Businesses running ERP-connected payment workflows report 20-25% faster invoice-to-cash cycles compared to disconnected payment and accounting systems.
Why does embedding payments in the ERP matter instead of just using a separate payment gateway?
A separate gateway creates a reconciliation gap between the transaction record and the ERP ledger. Embedding payments keeps transactions, chargebacks, and accounting entries in the same system of record, which is where the invoice-to-cash time savings come from.
What should I check before integrating a payments provider with my ERP?
Confirm which gateway your ERP already supports, map your current manual reconciliation steps, and ask directly whether the provider runs fraud protection and chargeback management through the same API as processing. Contact Cartis to talk through your CloudSuite or ERP payments setup.
