Reviewed by Mayer Hyman, Payments Specialist | Reviewed for accuracy July 2026
Key Takeaways
- Most ERP and productivity suites rely on interoperability, connectors, and APIs to work with other business-critical products, because no single platform truly “does it all.”
- Digital commerce keeps growing as a share of total retail, adding pressure on finance teams to handle high transaction volumes accurately.
- Fraud, chargebacks, returns, and disputes move fast between customers, banks, and card networks, and all parties expect quick resolution.
- A solid ERP still needs a specialist payments and fraud layer to handle commerce-specific risk at scale.
- E-commerce reached 16.9% of total US retail sales in Q1 2026 and keeps climbing (U.S. Census Bureau, 2026), adding real transaction volume for finance teams to manage.
Can Your ERP Really Do It All?
No single ERP does it all — most rely on interoperability, connectors, and APIs to work alongside other business-critical products. As more organizations adopt enterprise resource planning software, the onus is on finance to adopt it and ensure that data and services work alongside the company’s new posterchild software.
Large upfront capital investment for IT is in the rear-view mirror for most businesses. Instead, CFOs and teams favor cloud adoption, whether private, public, or hybrid, with best-of-breed applications replacing monolithic software and the risk of vendor lock-in.
In theory, a shiny new ERP or productivity suite should do it all across the organization. But even the vendors know that isn’t the case. That’s why most suites offer extended support through interoperability, connectors, and APIs to work with other business-critical products.
Commerce is changing too. Consumer shopping habits keep shifting, as this Gartner blog on retail deserts highlights, alongside the rise of locked-away products. Buying online is easier and often feels safer for both the shopper and their payment details. In the confluence of these changes, companies are seeing more of their transactions happen online.
Finance the CloudSuite Way
Infor’s CloudSuite is a popular choice for enterprises and SMBs building a digital business or going through digital transformation. With vertical-specific features for industries like manufacturing or food and beverage, and vital services such as distribution or healthcare, CloudSuite and similar tools are everywhere.
For finance teams, Infor CloudSuite Financials & Supply Management represents the core financial ERP features for CloudSuite, primarily supporting the healthcare, public sector, and services industries.
It delivers key financial and accounting capabilities, fully integrated with features for those key industries. That limits the need for customization, with a global ledger, receivables and billing, multi-company billing, fund and asset accounting, cash management, and document management.
On the supply side, it supports purchase orders, strategic sourcing, budgeting, expense management, and more, backed by cloud security, redundancy, and workforce management features.
Never Mind Big Data, What About Big Banking?
Why ERP Alone Can’t Handle Commerce Risk
A solid ERP still needs a specialist payments and fraud layer, because even robust ERP features aren’t enough to handle commerce risk at scale. Any business with a digital retail presence is running thousands, perhaps millions, of transactions per day. They have to deal with possible cases of fraud, chargebacks, returns, and disputes, all racing between customers, banks, and card providers in a matter of seconds, with every party expecting a rapid resolution.
Specialist tools to handle these cases, like those provided by Cartis Payments, fill that gap. E-commerce accounted for 16.9% of total US retail sales in the first quarter of 2026 (U.S. Census Bureau, 2026), and that share has climbed steadily for years, so businesses need expert tools for fraud, chargeback, and dispute handling, whatever the next phase of digital commerce looks like. Cartis fits neatly alongside CloudSuite and other ERPs, across B2B, B2B with administration, and subscription services.
These tools make for faster transactions and fulfillment, which leads to happier customers who are more likely to return, and vendors and partners who are eager to keep trading. Peak shopping periods, whether a seasonal sales event or a viral product moment, show what the daily norm increasingly looks like as growth continues.
Automation as the Only Way to Scale Commerce Risk Management
Automation is the only realistic way to cope with that rise. Delivering cardholder protection, fraud prevention, and chargeback management is vital to business success, and it supports the ability to scale and meet new digital commerce challenges. Across the business, that demands a solid ERP, but one paired with tools built specifically to handle commerce risk.
As ecommerce checkout evolves from multi-step forms to one-click or tap, even for complex purchases, the speed of the transaction and the speed of delivery both accelerate, along with the likelihood of repeat purchases, whether through digital wallets, credit cards, or e-gift cards.
Chargebacks in particular are a growing trend. Customers might be satisfied overall, but they’re often willing to dispute a charge for minor reasons, wrong size, wrong color, changed their mind, and expect their money back fast, sometimes even while buying a replacement immediately.
Commerce, even in B2B, is picking up pace, and automated commerce is growing across the whole market, so reacting at the speed of technology is table stakes for any business that claims to be a modern one.
Get in touch to find out about Cartis Payments and merchant services solutions that integrate with most business systems to support your company’s payment processing needs.
FAQ
Can an ERP system handle fraud and chargeback management on its own?
Most ERPs offer general risk mitigation and cost management tools, but they aren’t built to handle the speed and complexity of card-network fraud screening, chargeback disputes, and payment reconciliation. That typically requires a dedicated payments and fraud management partner integrated through an API.
Why is digital commerce growth putting pressure on finance teams?
As more transactions move online, finance teams have to process higher volumes of payments, refunds, and disputes accurately and quickly, while staying within card network compliance thresholds. That volume strains ERP systems that weren’t designed with commerce-specific risk tools built in.
What’s the advantage of pairing an ERP like Infor CloudSuite with a specialist payments provider?
An ERP manages the broader financial and operational picture, while a specialist payments provider focuses entirely on processing, fraud protection, and chargeback resolution. Together, they cover both the accounting side and the commerce-risk side without either system being stretched beyond its strength.
