Chris Haldane - Fortis

Workflow Commerce: The Next Operating Model for B2B Payments

Posted on April 6, 2026April 6, 2026 by Chris Haldane

Read time: 6 minutes

If the problem in B2B payments isn’t checkout, then what is it?

Over the past decade, the industry focused on transaction efficiency—and that focus made sense. Digital acceptance needed to happen. Payment methods needed to expand. Friction at the moment of payment needed to decrease. B2B payments needed to modernize, and they did.

But as organizations modernized their payment rails, a different problem came into focus. The transaction improved. The workflow around it didn’t.

Payments in B2B environments don’t exist in isolation. They originate in contracts, purchase orders, milestone schedules, and subscription agreements. They move through approvals, update ERP records, and influence reconciliation, reporting, and working capital decisions. And yet most payment systems still function as endpoints—discrete transaction tools sitting adjacent to the operational workflows they’re supposed to serve.

That’s the shift now taking shape. We call it Workflow Commerce.

What Is Workflow Commerce?

In most B2B environments today, payments sit adjacent to the workflows that govern financial operations. They interact with ERP systems and billing platforms, but they don’t behave as part of them. Data passes between systems after the fact. Reconciliation happens in a separate step. Reporting lags behind what’s actually happening in receivables.

Workflow Commerce changes the underlying assumption. Instead of asking how do we make this payment easier to complete, the question becomes how does this payment behave inside the system that governs invoicing, approvals, reconciliation, and reporting?

In practice, that means a few things look different:

Payment initiation is tied to workflow events—an invoice created, a milestone approved, a subscription renewed—rather than being a standalone action a customer takes.
Payment activity interacts directly with ERP records in real time. Invoices update. Customer balances reflect accurately. Project accounting adjusts. No export, no manual match, no lag.
Reconciliation happens within the same workflow that generated the obligation, not in a separate process downstream.
Workflow logic, the rules that govern how the business operates, can be used to trigger follow-ups, retries, approvals, and dispute handling automatically, rather than requiring someone to manage exceptions by hand.

None of these capabilities are entirely new in isolation. What’s new is treating them as a system, and recognizing that they only deliver real value when they work together.

Why This Is Happening Now

Three forces are converging to push the market in this direction.

ERP and vertical SaaS platforms have become the operational core of how B2B companies run. Billing, inventory, project accounting, financial reporting—it all lives inside structured systems of record. When payments operate outside that structure, the misalignment is no longer just inconvenient. It’s a measurable operational cost.

Finance teams are under real pressure on receivables performance and working capital visibility. Getting paid faster matters. But if payment acceptance doesn’t connect to accurate reconciliation and forecasting, the downstream value is limited.

And software platforms are competing on operational depth, not just features. Embedding a payment experience creates a monetization opportunity. Orchestrating the full financial workflow creates something harder to displace.

When those three pressures converge, optimizing the transaction is no longer a sufficient answer.

Digitization vs. Orchestration

There’s a useful distinction worth drawing here.

Digitization converts paper to pixels. It takes a manual process and makes it electronic. B2B payments have largely achieved this—checks gave way to ACH, invoices moved online, payment links replaced phone-in payments.

Orchestration is something different. It’s about aligning systems so that activity in one part of the workflow automatically and accurately reflects in every other part. It’s not about converting a process. It’s about connecting them.

Most B2B organizations have digitized their payments. Very few have orchestrated them.

That’s the gap Workflow Commerce is designed to close—not by replacing what’s already working, but by making payments function as infrastructure inside the business rather than a layer on top of it.

What Change When This Works

When payments operate as part of the workflow rather than alongside it, the impact isn’t limited to the moment of acceptance. It runs through the entire financial lifecycle.

Finance spends less time reconciling and more time analyzing. Receivables visibility is live, not lagged. Working capital decisions are based on accurate data. Operational teams aren’t waiting for the back office to catch up.

And for the platforms that power these workflows, it changes the value proposition entirely.

Embedded payments give customers a better way to pay. Workflow Commerce gives them a better way to operate.

The organizations that move from transaction optimization to workflow orchestration won’t just process payments more efficiently. They’ll fundamentally change how their businesses operate.

Next: what it takes to actually build for this—and why the architecture matters.

Embedded Payments in Field Service Software: Why Getting Paid Slows Down—and How Platforms Can Close the Gap

Posted on March 31, 2026March 31, 2026 by Chris Haldane

How field service platforms can help accelerate time-to-payment, reduce collection friction, and improve the end-to-end customer experience

Getting paid quickly is one of the biggest challenges in field service. When invoices are delayed, payments aren’t collected on-site, or follow-up falls through the cracks, revenue lags behind the work being completed.

In field service, the job isn’t done when the technician packs up. It’s done when the invoice is sent, the payment is collected, and the books are updated. And for too many field service businesses, that last mile takes longer than it should.

60% of small businesses cite cash flow as a top concern. For service companies with mobile workforces and high job volume, delayed or missed collections aren’t just a finance problem—they’re an operational one. Every unpaid invoice sitting in a queue is revenue that’s been earned but not realized.

Most solutions focus on technician behavior or internal processes. But increasingly, the ability to collect payment quickly is shaped by the field service platforms those teams rely on every day.

Speed Is Revenue—And Payments Are Part of the Workflow Now

When embedded payments work the way they should in field service software, the entire dispatch-to-cash cycle tightens up. Technicians can collect payment on-site—tap-to-pay, mobile card reader, text-to-pay link—and the transaction flows directly into the platform. No manual reconciliation. No chasing down invoices after the fact.

The downstream effects are meaningful:

Faster invoice-to-cash cycles
Higher payment attachment rates at point of service
Better customer experience at job completion
Improved revenue predictability for the platform and its users
Incremental recurring revenue from payment processing

In other words, accelerating time-to-payment and improving collection rates isn’t just about frontline execution—it’s driven by how seamlessly payments are embedded into the workflow.

According to Ardent Partners, digital workflows can reduce invoice processing time by up to 50%. That’s not just an efficiency gain—it’s a direct improvement in cash flow velocity.

When Payments Stop Evolving, Growth Slows Down

Most field service platforms that have embedded payments reach a point where things “work.” Transactions go through, users are onboarded, the integration is stable. But stable doesn’t mean optimized.

Signs that a payments program may have plateaued:

Limited visibility into what payments are contributing to platform revenue
Adoption that grew during rollout but hasn’t continued to improve
Mobile payment capabilities that lag behind the rest of the product experience
Payments managed as operational infrastructure rather than a strategic asset

These patterns may seem incremental, but they show up in real ways—missed opportunities to collect in the field, more post-job follow-up, and a less consistent customer experience at the point of payment.

These patterns tend to be gradual—which is part of what makes them easy to miss. The program isn’t broken, so it doesn’t get attention. But left unchecked, they quietly limit what the platform can achieve.

Knowing Where You Stand

Evaluating a payments program means looking beyond transaction volume. The most effective embedded payments programs are built around a clear understanding of four dimensions:

Revenue transparency: Do you have clear visibility into what your payments program is actually generating?
Merchant adoption depth: Are your users collecting payments in the platform, or working around it?
Integration flexibility: Can your payments layer keep up as the platform evolves?
Strategic alignment: Is payments part of how your team thinks about product and growth?

When these areas aren’t aligned, the result isn’t just operational friction—it’s slower collections, inconsistent workflows in the field, and limited ability to scale efficiently.

Most platforms lack a clear view across all four dimensions—creating a gap between what their payments program does and what it could deliver in the field. That gap, between functional and optimized, is where Fortis comes in. As a payments partner purpose-built for software platforms serving field service businesses, Fortis goes beyond processing to help teams evaluate their payments strategy, identify missed revenue opportunities, and build a roadmap for stronger performance across scheduling, invoicing, and collections.

The result is a more collaborative, growth-oriented approach—one that moves beyond a vendor relationship to a true partnership.

The Bottom Line

Salesforce research shows that 88% of customers say experience matters as much as product. In field service, payment collection is part of that experience—and friction at that moment leaves a lasting impression.

The real opportunity isn’t just collecting payment—it’s enabling faster job completion, smoother customer interactions, and a more efficient path from work performed to revenue realized.

The platforms pulling ahead in field services aren’t just better at scheduling and dispatch. They’re better at making the financial side of the job as seamless as the operational side. When payments are fast, easy, and embedded into the workflow, everyone wins: technicians close jobs faster, customers have a better experience, and the platform drives more revenue from the infrastructure it’s already built.

Where to Go From Here

If you’re curious how your payments program stacks up—or where the next layer of growth might be hiding—it starts with a conversation. Talk to a Fortis payments expert to explore what’s possible for your platform.

Embedded Payments in Manufacturing & Distribution: Why Order-to-Cash Slows Down—and How Platforms Help Accelerate It

Posted on March 31, 2026March 31, 2026 by Chris Haldane

How software platforms can help reduce payment delays, improve working capital, and turn financial workflows into a growth engine

Late payments, extended invoice cycles, and limited visibility into receivables are persistent challenges in manufacturing and distribution. When cash is tied up in the order-to-cash process, it restricts working capital and limits how quickly businesses can operate and grow.

In manufacturing and distribution, money moves in cycles. Orders go out, invoices follow, payments (eventually) come in. For a lot of businesses in these sectors, that cycle takes longer than it should—and the delays add up.

Most efforts to fix this focus on internal improvements—tightening AR processes, improving invoicing accuracy, or increasing collections efforts. But there’s another lever that’s often overlooked: the software platforms that manage these workflows end to end.

U.S. wholesale trade exceeds $8 trillion annually. Manufacturing contributes more than $2.3 trillion to GDP. According to PwC, optimizing working capital can unlock 5–10% of revenue in liquidity. The order-to-cash workflow is where that optimization happens—and payments sit right in the middle of it.

What Happens When Payments Are Truly Embedded

There’s a difference between accepting digital payments and having payments embedded in the workflow. When invoices, payments, and reconciliation all happen within the same platform, the benefits compound:

Invoice-to-cash cycles accelerate
Working capital improves without adding headcount
Digital payment adoption grows naturally as the workflow makes it easy
Revenue becomes more predictable
The platform itself becomes stickier—and more valuable
In other words, improving working capital and shortening payment cycles isn’t just a back-office initiative—it’s increasingly shaped by how seamlessly payments are built into the platform experience.

That’s the version of embedded payments that drives growth. It’s not just about removing a manual step. It’s about making payments a core part of how the platform delivers value.

Where Growth Gets Stalled

Many manufacturing and distribution platforms have taken payments from “none” to “functional.” That’s real progress. But functional isn’t the same as optimized, and “functional” has a ceiling.

Some common signs a payments program has stopped evolving:

Reporting that shows volume but not strategic insight
Digital payment adoption concentrated among early users, with the rest still writing checks
ERP integrations that haven’t kept pace with platform capabilities
Limited executive visibility into what payments are actually contributing to the business

At the surface, these may look like reporting or adoption issues. But underneath, they show up as longer payment cycles, more manual follow-up, and inconsistent experiences across the customer base.

These gaps don’t just limit efficiency—they limit monetization. And they tend to be invisible until someone looks for them.

Evaluating Where You Stand

Embedded payments programs mature along predictable dimensions. Understanding where yours stands in each area is the first step toward optimizing it:

Revenue transparency: Are payments a visible line item in your platform’s financial performance, or a black box?
Customer adoption depth: Are your customers actually using the embedded payment tools, or defaulting to outside processes?
Integration flexibility: Can your payments layer scale and adapt as your platform evolves?
Strategic alignment: Is payments part of how leadership thinks about platform growth?

When these areas aren’t aligned, the result isn’t just inefficiency—it’s constrained working capital, limited insight into performance, and financial workflows that can’t keep pace with the business.

Most platforms lack a clear view across all four dimensions—creating a gap between what their payments program does and what it could deliver across complex B2B workflows. That gap, between functional and optimized, is where Fortis comes in. As a payments partner purpose-built for software platforms serving manufacturing and distribution businesses, Fortis goes beyond processing to help teams evaluate their payments strategy, identify missed revenue opportunities, and build a roadmap for stronger performance across invoicing, AR processes, and cash flow management.

The result is a more collaborative, growth-oriented approach—one that moves beyond a vendor relationship to a true partnership.

The Bottom Line

Digital leaders in industrial sectors achieve 2–3x higher revenue growth than their peers (McKinsey). A major driver is financial workflow optimization—and payments are at the core of it.

The real opportunity isn’t just moving money—it’s helping your customers unlock working capital, operate with greater predictability, and remove the bottlenecks that slow down growth.

Platforms that treat payments as a strategic asset—rather than a utility—are the ones building the kind of sticky, recurring revenue that holds up over time. The order-to-cash race is already happening. The question is whether your payments program is helping you win it.

Where to Go from Here

Embedded Payments in Construction: Why Cash Flow Breaks Down—and How Platforms Turn it into an Advantage

Posted on March 31, 2026March 31, 2026 by Chris Haldane

How construction software platforms can help solve cash flow challenges, reduce DSO, and transform payments into a growth engine

Cash flow is one of the biggest challenges in construction. When billing cycles stretch, retainage delays pile up, or subcontractors wait to get paid, margins erode fast.

Construction is a margin-thin business. Margins typically sit between 3–7%, and 82% of firms report cash flow challenges as a persistent concern. When billing cycles stretch or subcontractor payments stall, those already-tight margins erode fast.

Most conversations focus on how contractors can fix these issues—through better invoicing, tighter AR processes, or improved collections. But there’s another lever that’s often overlooked: the construction software platforms those contractors rely on every day.

For construction management platforms, this is both a problem and an opportunity. Most have already embedded payments into their product. But embedding payments isn’t the same as optimizing them—and that gap is where real growth potential lives.

Payments Are Already Part of the Job—Are They Doing Their Part?

Construction management software sits at the heart of milestone billing, retainage, and contractor payments. When payments work well inside the platform, financial workflows accelerate across the entire project lifecycle: contractors invoice faster, funds move sooner, and project managers spend less time chasing down collections.

In other words, improving cash flow, reducing days sales outstanding (DSO), and streamlining AR doesn’t just happen at the business level—it’s increasingly driven by how well payments are integrated into the platform experience.

When implemented strategically, embedded payments can help platforms:

Improve cash flow predictability
Reduce days sales outstanding (DSO)
Increase contractor adoption of digital workflows
Generate incremental recurring revenue

According to McKinsey, digitizing construction financial workflows can improve productivity by 10–15%. Payments sit at the center of that transformation.

Signs Your Payments Program Has Stopped Growing with You

As platforms scale, payments programs tend to reach operational stability—and then plateau. The system works, so it doesn’t get much attention. But stability and optimization are different things.

Some common indicators that a payments program may be underleveraged:

Limited visibility into payments revenue performance
Contractor adoption that stalls after initial onboarding
Integrations that haven’t kept pace with the rest of the product
Payments treated as infrastructure rather than a revenue driver

At the surface, these may look like product or operational challenges. But underneath, they show up as delayed payments, heavier admin lift, and a more fragmented experience for the customers your platform serves.

Individually, these may feel manageable. Together, they quietly put a ceiling on growth.

A Smarter Way to Evaluate Payments Performance

The most effective embedded payments programs don’t just process transactions—they’re built around a clear understanding of how payments affect the broader platform strategy. That means regularly evaluating performance across a few core dimensions:

Revenue transparency: Can you clearly see what payments are contributing to the business?
Contractor adoption depth: Are users actually paying and getting paid within the platform, or working around it?
Integration flexibility: Can the payments layer evolve as the product does?
Strategic alignment: Is payments part of the product roadmap, or an afterthought?

When these areas aren’t aligned, the result isn’t just an underperforming payments program—it’s missed revenue opportunities, limited visibility into performance, and financial workflows that don’t scale with the platform.”

Most platforms lack a clear view across all four dimensions—creating a gap between what their payments program does and what it could deliver. That gap, between functional and optimized, is where Fortis comes in. As a payments partner purpose-built for software platforms serving B2B businesses, Fortis goes beyond processing to help teams evaluate their current strategy, identify missed revenue opportunities, and build a roadmap for stronger performance.

The result is a more collaborative, growth-oriented approach—moving beyond a vendor relationship to a true partnership.

The Bottom Line

U.S. construction spending exceeds $2 trillion annually. At that scale, even small inefficiencies compound quickly. A payments program that’s merely functional is a missed opportunity.

The real opportunity isn’t just processing payments—it’s helping your customers get paid faster, operate more efficiently, and remove the friction that slows down their business.

The platforms gaining competitive ground in construction aren’t just the ones with the best project management tools. They’re the ones that have made financial workflows—payments included—a seamless part of how work gets done. That’s the difference between payments as plumbing and payments as a growth lever.

Where to Go From Here

B2B Payments Work. The Workflows Around Them Don’t

Posted on March 26, 2026April 6, 2026 by Chris Haldane

Read time: 5 minutes

Most of the innovation in B2B payments over the last decade has been focused on the wrong moment.

Faster checkout. More payment methods. Embedded pay buttons inside platforms. These were real improvements—and they were necessary. But they addressed the visible part of a much longer chain, and in B2B, the visible tip was never really the problem.

A B2B payment doesn’t start at checkout. It starts when a contract is signed, a purchase order is approved, a milestone is hit, or an invoice is generated inside an ERP. From there, it moves through approval workflows, touches credit limits, triggers billing logic, and eventually has to land correctly in reconciliation and reporting. Checkout is one moment in that sequence. A lot has to go right before it. Even more has to go right after.

That’s where most organizations are still struggling.

The Work That Happens After the Transaction

Take a construction company running progress billing. A project hits a milestone. An invoice goes out. The customer pays through a digital link. The funds clear—and that part works fine.

But now retainage needs to be tracked. The partial payment has to be applied to the right line items. Job-cost accounting has to reconcile. The ERP needs to reflect updated project balances. Finance needs to know what’s outstanding and what’s actually collectible.

The transaction succeeded. The workflow didn’t.

The same pattern shows up in distribution, where high invoice volumes create reconciliation lag across shipments, credits, and returns. In field services, where billing varies by project, location, and contract terms—and payment acceptance is just one variable in a far more complex equation.

In each case, the real friction isn’t getting paid. It’s everything that has to happen for that payment to mean something operationally.

Embedded Payments Aren’t Enough

Many platforms have moved toward embedded payments as a solution, and it’s a step in the right direction. But embedding a payment experience inside a platform doesn’t automatically integrate it into the workflow.

A payment button inside a SaaS platform simplifies how customers pay. It doesn’t ensure that payment activity aligns with invoice states, approval logic, or reconciliation processes inside the ERP. The payment clears on one side. The operational system has to catch up on the other.

When that gap exists, teams fill it manually—exporting reports, matching exceptions, chasing data across systems that were never designed to work together. It doesn’t show up in a product demo. It shows up in how many hours finance spends every month not analyzing, but reconciling.

As B2B organizations have centralized operations around ERP systems and vertical platforms, these misalignments have become harder to ignore. Workflows are more structured now, which means the places where payments fall out of sync are more obvious—and more costly.

The Right Question

For years, B2B payments strategy has asked: how do we make it easier to pay?

That’s still worth asking. But there’s a more consequential question beneath it: how do payments function as part of the workflow, not alongside it?

The constraint in B2B isn’t usually acceptance. Most businesses can get paid. The constraint is alignment—between what the payment system knows and what the operational system needs to act on. Between when money moves and when the business actually has visibility into it. Between the transaction and everything it’s supposed to trigger.

Until that’s solved, organizations will keep absorbing the friction internally. It just won’t show up in payment metrics. It’ll show up in headcount, in delayed closes, in reporting that’s always a step behind.

This isn’t a checkout problem. It’s a workflow problem.

Next: what it looks like when payments are designed to solve it.

Q4 2025 Release Notes

Posted on January 1, 2026March 9, 2026 by Chris Haldane

Period: October– December 2025
Audience: Fortis customers, partners, and ISVs
Published: January 2026
Location: Fortis Resource Center

Apple Tap to Pay on iPhone – Expanded Capabilities

Who this is for
Merchants, Partners, ISVs, Mobile Users

What’s New

Tap to Pay on iPhone enabled across Merchant Portal Mobile
Support for sales, auth-only transactions, and refunds
Hardware-free contactless payments directly from iPhone

Summary
In Q4, Fortis significantly expanded its Apple Tap to Pay on iPhone offering, delivering a complete, hardware-free in-person payment experience. Merchants can now accept contactless payments, issue refunds, and manage Tap to Pay transactions directly from the Merchant Portal Mobile app—without additional devices.

Enhancements to onboarding flows, device compatibility detection, and user permission controls help merchants adopt Tap to Pay quickly and confidently.

Impact

Faster merchant adoption of contactless payments
Improved compliance and reporting accuracy

Merchant Portal – Refunds & Post-Transaction Controls

Who this is for
Merchants, Finance Teams, Support Teams

What’s New

Credit card, ACH, and cash refunds on settled transactions
Full and partial refunds with surcharge handling
Refund initiation from transaction history, reports, and batch views
Clear validation, inline errors, and real-time status updates

Summary
Fortis expanded refund capabilities across the Merchant Portal, giving merchants greater flexibility and control after transactions settle. Refunds can now be initiated directly from multiple reporting and transaction views, with consistent handling across payment methods.

Enhanced validation and real-time feedback help prevent errors, while improved surcharge rounding ensures refund totals remain accurate—even across multiple partial refunds. These updates simplify exception handling and reduce the need for back-office intervention.

Impact

Faster issue resolution for merchants
Improved financial accuracy and transparency
Fewer support escalations related to refunds

Self-Service & Account Management Improvements

Who this is for
Merchants, Partners, Customer Support Teams

What’s New

Expanded self-service request capabilities
Improved merchant-facing status messaging
Enhanced request history and audit visibility
New APIs for account changes and signer updates

Summary
Q4 introduced major improvements to Fortis self-service workflows, making it easier for merchants to submit and track account changes without relying on support. Status messaging was refined to provide clearer, more accurate updates throughout each request lifecycle.

New APIs and UI enhancements improve transparency into request history, document uploads, and approvals—while maintaining the same security and validation standards merchants expect.

Impact

Faster turnaround on account changes
Better visibility into request progress
Reduced support dependency

Partner Portal & Agent Application Enhancements

Who this is for
Partners, ISVs, Sales Teams

What’s New

Expanded APIs for managing applications, products, and equipment
Real-time pricing and product summaries
Improved validation and save/continue workflows
Cleaner, more consistent application experience

Summary
Fortis continued to invest in partner tooling with enhancements that streamline agent application creation and management. Partners can now update products, equipment, and payment settings more easily through APIs and improved UI workflows.

Real-time summaries and smarter navigation reduce errors during application submission and speed up merchant onboarding.

Impact

Faster application completion
Fewer submission errors
Improved partner efficiency

Security, Stability & Performance Enhancements

Who this is for
All Users

What’s New

Security vulnerability remediation across platforms
Improved logging and error handling
Performance optimizations for APIs and background jobs
Platform stability fixes across portals and mobile apps

Summary
Throughout Q4, Fortis maintained a strong focus on platform reliability and security. Improvements were made to strengthen data protection, enhance logging, and optimize system performance across web, mobile, and API surfaces.

These changes support a more stable experience for merchants and partners while laying the groundwork for future enhancements.

Impact

Improved platform reliability
Stronger security posture
Better overall user experience

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Top Accounts Receivable Trends for 2026

Posted on December 16, 2025December 16, 2025 by Chris Haldane

How Real-Time AR and Embedded Payments Will Transform Finance and Customer Experience

AR Is Entering Its Most Transformative Year Yet

Finance teams are entering 2026 facing tighter cash flow, rising customer expectations, and increasingly complex operational environments. What was once a back-office workflow—Accounts Receivable—has become a strategic function tied directly to financial resilience and customer satisfaction.

Deloitte’s 2026 Finance Trends Outlook highlights that finance organizations are rapidly shifting toward real-time, continuous insight to support faster, more agile decision-making. That shift places AR at the center of modern financial performance: responsible for accurate reporting, stronger forecasting, and a more reliable customer experience.

As finance leaders expand their enterprise influence, AR is evolving into foundational financial infrastructure—grounded in accurate, connected, always-current receivables data.

2026 Trend #1: AR Becomes a Customer Experience Function

Accurate, intuitive AR interactions now influence customer trust and retention.

In 2026, every AR touchpoint—every invoice, balance inquiry, portal login, or payment attempt—will shape the customer relationship. Businesses increasingly expect the same level of clarity and ease they get in consumer commerce.

But fragmented AR processes create delays, confusion, and unnecessary friction.
When AR is connected and consistent, it reinforces trust and strengthens long-term account health.

This year, AR moves firmly from back-office execution into a frontline customer experience driver.

2026 Trend #2: Real-Time AR Powers Faster, More Confident Decisions

Finance teams can no longer rely on delayed or manual AR reporting.

Traditional AR models—batch-based, manually reconciled, and slow to update—are no longer adequate for the pace of modern business.

Deloitte notes that finance leaders are under intensifying pressure to support rapid, scenario-based decision-making amid economic and regulatory uncertainty. This level of agility is only possible when AR data reflects the current moment.

Real-time AR visibility unlocks:

Earlier risk detection
More accurate forecasting
Cleaner, more reliable cash-flow insight
Better alignment across finance, operations, support, and product teams

In 2026, real-time AR becomes the new baseline for operational and financial confidence.

2026 Trend #3: Embedded Payments Become the Foundation of AR Accuracy

Instant payment data = instant financial truth.

Even the best AR processes break down when payment data is delayed or siloed. If transactions happen outside the ERP, platform, or commerce system, AR visibility becomes out of sync the moment the payment is made.

Embedded payments solve this by moving payment acceptance inside the systems where customers already work. With native, integrated payment flows:

Balances update automatically
Payment status is accurate in real time
Reconciliation becomes dramatically easier
Teams operate from a single financial source of truth

In 2026, embedded payments will be essential to AR modernization and real-time financial accuracy.

2026 Trend #4: AR Extends into Every Customer Touchpoint

AR can no longer “live” solely inside the ERP. Customers move fluidly across channels, and AR must follow them.

A modern AR ecosystem ensures that:

A portal payment should sync instantly with the ERP
A subscription renewal should adjust balances without delay
A mobile checkout should influence cash-flow projections in real time

This requires unified, integrated workflows that connect ERP, commerce, and platform ecosystems into a single financial experience.

AR becomes the connective tissue between customer activity and financial truth.

2026 Trend #5: AR Becomes a Key Driver of Retention

Accurate billing and immediate confirmations shape customer loyalty.

Trust is built on clarity. When billing, balances, and payment confirmations are accurate and instant, customer confidence grows. When they’re not, frustration quickly follows.

In 2026, AR will directly influence:

Subscription renewals
B2B contract longevity
Platform engagement
Multichannel commerce satisfaction

AR’s role will expand from collections to proactive revenue protection and customer-retention strategy.

2026 Trend #6: Automation and AI Raise the Stakes for AR Modernization

AI requires consistent, high-quality AR data to work effectively.

Automation and AI adoption will accelerate in 2026—yet these technologies depend entirely on clean, connected, real-time financial data.

If AR data is delayed, inconsistent, or fragmented:

Automations fail
Workflows stall
AI-driven forecasting loses accuracy

Deloitte notes that successful AI adoption requires strong data foundations—starting with AR, where financial truth originates.

Organizations that modernize AR will be best positioned to leverage AI for prioritization, forecasting, and workflow orchestration.

How Fortis Helps Finance Teams and Platforms Lead This Transformation

Fortis enables businesses and software platforms to adopt these trends without disrupting existing systems.

By embedding payments directly into native financial and operational workflows, Fortis helps teams gain:

Instant Payment Activity
Balances, statuses, and ledger entries update in real time—eliminating reconciliation delays.

Real-Time AR Visibility
Finance teams operate from clean, high-integrity data suitable for forecasting, automation, and AI.

A Better Customer Experience
Customers enjoy smoother billing, intuitive payment options, and consistent confirmation across every channel.

A True Transformative Partnership
Fortis supports teams with hands-on expertise, flexible integrations, and a partnership model designed to drive long-term growth—consistent with our high-service, high-growth commitment.

For CFOs and finance leaders, this means clearer forecasts and more informed decisions. For software platforms and developers, it means deeper product value, higher retention, and a modern embedded-payments foundation.

Fortis turns fragmented invoice-to-cash workflows into a unified financial ecosystem that strengthens visibility, trust, and performance.

2026: The Year AR Becomes Strategic

The trends shaping 2026 point to a clear shift: AR is evolving from a reactive process into a strategic growth engine. Organizations that unify payments, data, and customer workflows will move faster, deliver stronger experiences, and gain lasting competitive advantage.

Fortis helps teams make that shift—one payment, one workflow, and one real-time insight at a time.

Let’s connect and explore how Fortis can help modernize AR for the year ahead.

Is Your Practice Leveraging Every Fortis Feature—or Leaving Efficiency on the Table?

Posted on December 16, 2025February 11, 2026 by Chris Haldane

Collect Payments Upfront with Web Payments

With Web Payments, your practice can collect payments at the same time new or existing patients book their appointments online. This reduces no-shows, increases commitment, and streamlines the experience for both your team and your patients.

Customizable, secure payment forms make it easy to:

Secure bookings upfront and reduce no-shows.
Save team time with automated payment processing.
Provide a modern, intuitive experience that reflects your standard of care.

Whether it’s a workshop, community screening, or promotional event, upfront collection ensures you capture revenue while patients commit to their wellness.

Accept Payments Anywhere with the Fortis Mobile App

Did you know Fortis offers a mobile app available in the iOS and Android app stores? With it, your practice can process payments directly through Fortis—no extra systems required, and it’s already integrated.

At a screening, workshop, or offsite event, the mobile app gives you convenient access to your payment platform—eliminating reconciliation headaches by keeping everything in one system.

With the mobile app, you can:

Accept credit card payments instantly at any event.
Keep all transactions in one platform—no need for third-party apps like Square.
Maintain full compliance and Fortis-grade security.

It’s even better when you use both of them! By leveraging Web Payments and the Mobile App together, your practice can:

Capture more revenue upfront and reduce no-shows.
Eliminate the hassle of juggling multiple payment systems.
Deliver a seamless, modern payment experience across every touchpoint.

Fortis’ built-in payment features will not only strengthen those efforts but also simplify your team’s workload and improve the patient experience.

👉 Have questions about Web Payments or the Fortis Mobile App? Reach out to our team anytime. We’ve also included a flyer you can bookmark or print to keep handy. We’re always here to help!

Share Fortis and Win.

Do you know another chiropractor who could benefit from Fortis’ powerful payment solutions? Send them our way and you could win a $200 Visa Gift Card!

Every eligible chiropractic practice you refer earns you one entry into our quarterly drawing– One lucky winner is drawn each quarter for a $200 Visa Gift Card. Referrals must be valid chiropractic practices not currently using Fortis. No purchase necessary. Terms and conditions apply.

Know Your Numbers: Are You Collecting Enough to Cover Overhead?

Posted on December 16, 2025December 16, 2025 by Chris Haldane

Running a practice isn’t only about delivering excellent patient care—it’s also about making sure your practice remains financially healthy. Overhead costs—both fixed and variable—such as rent, payroll, software, utilities, supplies, and fees remain constant, no matter how many patients walk through your door.

That’s why knowing your numbers is critical. It helps you spot potential shortfalls before they become costly, reduce stress, and ensure you have the resources to grow, reinvest, or simply sustain your practice for long-term success.

Track multiple sources of revenue with ease

Many practices struggle to keep a clear view of collections because revenue comes from so many different areas—intensive vs. maintenance care, supplements, exercise therapy equipment, massage services, screenings, workshops, events, and more. Without a way to monitor these revenue streams, it’s hard to know if you’re covering your true overhead, and can often lead to:

Uncollected patient balances due to no-shows or declined payments.
Missed opportunities to collect upfront for events or services.
Reconciliation headaches that make it difficult to see real cash flow.

A key to financial health is to leverage technology to stay ahead and increase collections

Once you’ve identified your fixed monthly expenses and budgeted for variables, technology is truly your BFF for tracking collections and ensuring revenue consistently exceeds overhead.

A key tool within your payment’s platform is customized reporting. This will provide you clarity and control:

View total collections: Track daily, weekly, and monthly revenue for recurring and one-time payments.
Reconcile in real time: Auto-sync payments to the patient ledger reducing manual day-to-day reconciliation
Automate failed payment follow-up: Let patients update their card on file and pay without staff intervention.
Break down your revenue by category: See where money is coming from—or falling short (e.g., wellness plans vs. intensive care, supplements, events).
Export reports easily for internal review or accounting to get an accurate financial snapshot.

With customized reporting, you streamline reconciliation, reduce human error, and gain actionable insights.

Stress less, grow more, and focus on patient care with Fortis.

We help you do more than collect payments—we help you run smarter. Maximize these features and count on our support every step of the way.

Share Fortis and Win.

Do you know another chiropractor who could benefit from Fortis’ powerful payment solutions? Send them our way and you could win a $200 Visa Gift Card!

Intelligent Flow: How Agentic AI Will Transform the Future of Payments

Posted on December 4, 2025December 16, 2025 by Chris Haldane

Why Intelligent, Connected Systems Will Redefine How Businesses Move Money

Businesses lose time and revenue every day to one simple truth: payments don’t think.

Automation can move money faster, but it can’t see around corners. Agentic AI can. It doesn’t just follow instructions—it learns from context, recognizes patterns, and recommends smarter actions in real time.

Consider this: A key customer’s payment is delayed by 48 hours. Automation sends a reminder. Agentic AI recognizes the customer’s payment history, notes their recent order increase, cross-references industry trends, and proactively suggests extending terms or reaching out with a strategic check-in.

That’s not just automation. That’s intelligence in motion—and it’s redefining how businesses move money.

From Automation to Intelligence

Automation changed payments for the better. It removed manual steps, reduced errors, and improved consistency. But automation can only do what it’s told. It follows instructions instead of understanding them.

Agentic AI goes further. It understands context, learns from patterns, and acts autonomously in real time. Instead of waiting for problems to appear, it anticipates them, and acts.

Imagine a system that identifies when liquidity is tightening and adjusts disbursements automatically, or reconciles an invoice based on patterns it’s learned from past behavior. This is the shift from efficiency to intelligence—where payments stop being a process to manage and start becoming a strategic advantage.

Why It Matters: Turning Data into Strategy

Every transaction creates data—but most businesses can’t access or apply it fast enough to drive decisions. Agentic AI changes that, turning payment activity into real-time business intelligence.

AI-driven systems can detect trends in cash flow, identify anomalies, and recommend next steps before problems arise. They don’t just report what happened—they show what’s coming next, helping finance leaders move from reaction to readiness.

For example: Instead of simply noting a slowdown in payments, an intelligent system might forecast, “You’ll need an additional $2M in working capital by Q2 based on current trends.” It could also alert your team that a key customer’s order volume is dropping and suggest a proactive outreach before revenue impact hits.

The result is faster decisions, fewer surprises, and stronger financial control—because when payments become predictive, strategy follows.

The Technology: APIs as the Arteries of Intelligent Commerce

The modern economy runs on APIs. They connect systems, partners, and platforms, allowing payments to flow securely across environments. As AI becomes more integrated into operations, those APIs are evolving from static connectors into intelligent channels that carry context, not just data.

Emerging technologies like the Model Context Protocol (MCP) are already making this possible. They allow AI agents to securely interact with software environments, verify data, and execute actions automatically, all while maintaining full transparency and auditability.

At Fortis, we’ve seen how embedding payments within core systems like NetSuite, Acumatica, Sage, and other leading ERPs can transform the experience for businesses. When payments are part of the workflow, they no longer feel separate from operations—they become an extension of the business itself.

Agentic AI will take this even further, enabling systems that dynamically route transactions, forecast liquidity, and reconcile exceptions without human intervention. When payments flow intelligently, friction disappears and growth accelerates.

The Foundation: Trust and Data Integrity

As innovation accelerates, one question remains constant: Can I trust it?

Data security and integrity are non-negotiable in payments. According to Deloitte’s Global Future of Cyber Survey 2023, 77% of executives cite data protection as their top concern when adopting new technologies.

Trust must evolve alongside intelligence. Agentic systems can only make good decisions when they’re built on verified, reliable data—and that’s where the next major shift is already happening.

Visa’s CEDP: A New Standard for Data Integrity

On October 17, 2025, Visa’s Commercial Enhanced Data Program (CEDP) began requiring businesses that process commercial card transactions to submit accurate, complete, and validated data—including SKU-level detail, tax, freight, and PO information—to qualify for the best interchange rates.

Visa’s move rewards accuracy and transparency. Clean, verified data now directly improves financial outcomes.

That’s a powerful sign of what’s next. Agentic systems depend on the same principles—complete, contextual data that enables confident, compliant action.

At Fortis, we see this as a blueprint for readiness. Businesses that invest in strong data foundations today will lead in tomorrow’s era of intelligent, autonomous payments.

How to Prepare for the Intelligent Payment Future

Intelligent payment flow won’t happen overnight, but forward-thinking leaders can start laying the groundwork today.

Strengthen your data foundation.
Ensure your systems capture complete and accurate transaction details. AI is only as good as the information it learns from.
Evolve your integrations.
Move from one-way APIs to real-time, event-driven architectures that enable contextual updates and intelligent decision-making.
Automation should never feel like a black box. Every action must remain transparent, auditable, and explainable.
Adopt secure access models.
Implement least-privilege access and modern authentication frameworks to protect sensitive data as you scale.
Choose future-ready partners.
Work with providers who view innovation, integration, and security as interconnected—not competing priorities.

Each of these steps helps create a more intelligent, frictionless flow of funds and information—the foundation of every great business relationship.

People at the Center of the Flow

It’s easy to view AI as replacing people, but in reality, it’s empowering them.

When routine reconciliation or settlement tasks happen automatically, teams gain time for strategy, insight, and customer experience.

At Fortis, we see intelligent flow as a partnership between people and technology—one that gives businesses back their time, confidence, and creative edge.

The Bottom Line

Agentic AI represents the next phase in the evolution of payments—one where transactions don’t just happen; they think.

The businesses preparing today—investing in clean data, modern APIs, and trusted integrations—will lead tomorrow. Because the future of payments isn’t about adding more tools. It’s about creating flow without friction.

Where Fortis Fits In

Fortis helps businesses and software partners create connected, secure payment experiences that build trust and accelerate growth. We may not offer an AI solution today, but we’re building the intelligent infrastructure that will make Agentic AI possible: adaptable, fast, and deeply integrated into the systems businesses rely on every day.

For ERP users: Fortis integrates seamlessly with leading ERP systems—including NetSuite, Sage, and Acumatica—reducing reconciliation time and creating the clean structured data that fuels AI-driven insights across finance, operations, and customer systems.
For software platforms: Our embedded payment technology helps differentiate your offering—delivering a smoother, more intelligent payment experience your customers will trust and unlocks future AI capabilities
For finance leaders: Real-time insights and unified data access help you move from reactive to strategic decision-making, laying the groundwork for future-ready automation and predictive intelligence.

Let’s start the conversation about what frictionless payment flow could mean for your business.

Accelerate Reporting—Turn AR Data into a Growth Engine

Posted on December 1, 2025December 1, 2025 by Chris Haldane

Read Time: 4 minutes

This is the final post in our Accelerate AR series—a four-part guide to transforming your invoice-to-cash process using embedded payments inside your ERP.

In this post, we’re exploring how real-time AR reporting turns your data into a strategic asset—and helps you drive smarter decisions across the business.

Even the most sophisticated companies often struggle to access timely, reliable data across the invoice-to-cash cycle. Key metrics like Days Sales Outstanding (DSO), overdue balances, and customer payment behavior are hidden in spreadsheets, locked in siloed systems, or calculated manually after month-end.

The result? Incomplete visibility. Delayed decision-making. And a reactive AR strategy that slows growth.

The AR Reporting Gap

Reporting is the final stage of AR—but it’s often where the biggest breakdowns happen. Many finance teams rely on manual processes to pull data, validate inputs, and build reports. Even when ERPs are in place, those reports are often outdated by the time they’re reviewed.

This leads to:

Slow decision cycles
Disjointed insights across teams
Inaccurate forecasting
Missed opportunities to improve collections

Without a real-time view of what’s paid, pending, or overdue, your team is flying blind.

Why Real-Time AR Reporting Matters

AR isn’t just about what’s come in—it’s about what hasn’t. And knowing that in real time gives you the power to act quickly.

When your reporting is up to date, you can:

Identify at-risk accounts before they become write-offs
See how your DSO is trending—week to week, not just month to month
Forecast with confidence, based on actual performance
Support strategic planning with live insights into liquidity and collections

It’s not just operational efficiency—it’s a financial advantage.

Automation Drives Results

That’s a powerful stat—and it underscores what’s possible when reporting is automated, embedded, and accurate.

What Modern Reporting Looks Like

Imagine dashboards that show you—in real time—which customers are behind, which regions are outperforming, and where your collections process is falling short.

You don’t need to wait for month-end. You don’t need to request a data pull. You can log into your ERP and see everything—instantly.

With the right tools, reporting becomes:

Live and automated
Consistent across teams
Tied to your cash flow strategy
Flexible enough to scale with your business

That’s what AR acceleration looks like at the reporting level.

Bringing AR into Focus

Strong financial decisions start with visibility. When your AR data lives in silos or lags behind reality, it’s hard to plan effectively or respond with confidence. That’s why real-time reporting inside your ERP is a game-changer—not just for finance, but for the business as a whole.

With the right embedded tools, finance teams can monitor performance metrics as they evolve, spot trends faster, and make more informed decisions—without toggling between systems or relying on outdated reports.

Fortis supports this shift by helping you unify and simplify how AR data is captured, tracked, and acted on.

Series Recap: Accelerating AR, End to End

This concludes our four-part Accelerate AR series, where we’ve explored how finance teams can modernize their approach to the full invoice-to-cash cycle:

Invoicing – Automate billing and reduce errors with ERP-native workflows
Payments – Remove friction and get paid faster with embedded options
Reporting – Gain real-time visibility to guide smarter decisions

When these pieces work together, AR becomes more than a function—it becomes a driver of growth.

And the best part? You don’t need to replace your ERP. You just need to extend its power.

Next Steps: Build a Smarter AR Strategy

If your team is ready to move faster, plan with confidence, and reduce manual work, embedded payments could be a powerful next step.

Let’s connect and explore how Fortis can help you streamline your AR process—while keeping everything inside the system you already use.

Empowering Small Businesses, Every Day

Posted on November 21, 2025November 21, 2025 by Chris Haldane

From Main Street to Enterprise—Fortis Helps Businesses Grow

Read time: 3 Minutes

Inspired by national initiatives such as American Express’s Shop Small® movement—which encourages consumers to support local and independent businesses—Fortis shares the same belief: empowering local businesses strengthens communities and drives lasting economic growth.

At Fortis, we believe powerful commerce happens when innovation connects people, businesses, and communities. Every transaction represents trust—and for us, that trust is earned through technology that helps partners and businesses thrive.

While our platform delivers enterprise-grade B2B payment solutions, our impact extends to the small and mid-sized businesses fueling local economies every day. Through our network of software platform partners, we help local entrepreneurs simplify payments, strengthen relationships, and unlock growth opportunities.

Whether it’s a neighborhood shop, service provider, or online seller, Fortis empowers the small businesses that power our communities.

Why Small Businesses Matter More Than Ever

Small businesses are more than storefronts—they’re the creative engine of our economy. They bring innovation, personal connection, and authenticity to every interaction. But running a business today means navigating complex systems, evolving customer expectations, and tighter margins.

That’s where Fortis comes in.

We empower partners and the businesses they serve with modern, embedded payment technology that removes friction and builds efficiency. Our solutions help businesses accept payments anytime, anywhere, across any channel—while streamlining operations and creating consistency that turns everyday transactions into lasting customer loyalty.

When payments work seamlessly, small business owners can focus on what really matters: serving their customers and growing their communities.

The Fortis Difference: Technology + Partnership

At Fortis, we believe that powerful commerce doesn’t just come from great technology—it comes from true partnership. Our approach goes beyond delivering payment capabilities; it’s about helping businesses transform how they operate and grow with confidence.

We combine innovative payment solutions with a partner-centric business model designed for growth. That means simplifying complex payment experiences, scaling seamlessly across channels, and providing dedicated support that helps our partners and businesses thrive.

Through embedded, human-centered technology, Fortis enables small businesses to manage payments effortlessly, improve cash flow, and build stronger relationships with the people they serve.

Empowering Small Businesses—All Year Long

Supporting small businesses isn’t a seasonal initiative—it’s at the heart of what we do. Every day, Fortis helps entrepreneurs simplify operations, accelerate cash flow, and deliver exceptional customer experiences.

Our connected payment experiences bridge in-person, online, and mobile environments—helping business owners focus on what truly matters: growing their business and strengthening their community.

By making payments smarter, faster, and more connected, Fortis turns every transaction into an opportunity for growth.

Connected Commerce Builds Stronger Communities

From enterprise organizations to Main Street businesses, Fortis empowers businesses to scale, simplify, and succeed. By combining cutting-edge technology with the power of partnership, we’re helping businesses of all sizes create meaningful connections, drive growth, and keep communities thriving.

Because when small businesses grow, everyone benefits—and that’s a mission worth supporting every day of the year.

Accelerate Payments: Make It Easy to Get Paid

Posted on November 19, 2025December 8, 2025 by Chris Haldane

This is the third post in our Accelerate AR series—a four-part guide to transforming your invoice-to-cash process using embedded payments inside your ERP.

Today’s focus: how to remove friction from the payment experience, so customers pay faster—and your cash flow keeps moving.

You’ve delivered value. You’ve sent the invoice. But if the payment process is clunky, that revenue may still be weeks—or months—away.

For too many B2B businesses, payments are where momentum breaks down. The process is filled with unnecessary steps, limited options, and outdated systems that frustrate customers and slow down collections.

Getting paid should be simple. Instead, it’s often a manual, time-consuming bottleneck that leaves both your finance team and your customers unhappy.

The Payment Experience is Broken

Here are the common friction points we see:

Limited payment options: Some customers prefer ACH. Others want to use a card or even a digital wallet. If you don’t offer it, they’ll delay.
Disconnected systems: Payments processed outside your ERP require manual matching, increasing errors and wasting time.
Security concerns: If your payment system feels clunky or untrustworthy, customers hesitate to complete the transaction.
Lack of reminders: Without proactive nudges, busy AP departments miss due dates—even if they want to pay.

All of these issues add friction—and friction kills cash flow.

That means you could be losing nearly six out of ten payments—not because customers won’t pay, but because they can’t pay easily.

That’s a solvable problem.

The Case for Embedded Payments

The solution? Remove the friction. Let customers pay how they want, when they want—without jumping through hoops.

Here’s what that looks like in a modern business:

Invoices are sent electronically, with embedded payment links
Customers click once and choose their preferred method: ACH, credit card, digital wallet, or even check
Payments are automatically applied to the correct invoice
Finance leaders can see real-time payment status, aging, and Days Sales Outstanding (DSO) metrics—without waiting for manual updates

It’s intuitive, fast, and removes unnecessary complexity—for both sides of the transaction.

How It Works in Practice

A customer receives an invoice via email with a payment link. They click once, choose their preferred method, and complete the payment on a branded, secure page. That payment is then automatically applied to the correct invoice in your ERP—no manual entry required.

It’s intuitive, efficient, and scalable.

Why It Matters

The longer it takes to receive payment, the more pressure you put on cash reserves, borrowing, and operations.

Accelerating payments isn’t just about improving AR—it impacts your entire business:

More working capital means you can invest in growth
Lower risk of bad debt protects margins
Fewer manual tasks frees up your team for higher-value work
Better customer experiences increase retention and loyalty

And when customers can pay how they want, they pay faster. It’s that simple.

Simplifying the Path to Payment

When the payment process is seamless, customers pay faster—and finance teams spend less time chasing down revenue. Embedded payment tools make it possible to offer flexible options, reduce manual steps, and improve real-time visibility across your AR cycle.

Instead of relying on disconnected systems or delayed processes, modern businesses are integrating payment directly into the invoicing experience—meeting customers where they are and getting paid sooner.

That’s the kind of simplicity and scale Fortis helps enable.

What’s Next in the Series

In our final post, we’ll explore how real-time AR reporting turns data into strategy—and why accurate visibility is key to long-term growth.

Take the Next Step

Talk to Fortis today and see how embedded payments can help you accelerate collections—without increasing the workload.

Accelerate Invoicing: Kill Manual Entry and Speed Up Billing

Posted on November 12, 2025November 14, 2025 by Chris Haldane

Read Time: 4 minutes

This is the second post in our Accelerate AR series—a four-part guide to transforming your invoice-to-cash process using embedded payments inside your ERP.

Today’s focus: why manual invoicing is costing you more than time—and how automation helps you bill faster with fewer errors.

Invoicing is the heartbeat of your cash flow. But for too many finance teams, it’s a process riddled with inefficiencies—manual tasks, outdated tools, and fragmented systems.

Despite having powerful ERPs in place, businesses often still rely on spreadsheets, email attachments, and disconnected billing workflows that slow everything down. The result isn’t just a little friction—it’s a direct hit to revenue and customer satisfaction.

Manual Entry Madness

Surprisingly, 53% of mid-market B2B companies still rely on spreadsheets to manage accounts receivable.
Source: e2b teknologies

That’s not just out of date—it’s risky.

Spreadsheets are static, siloed, and prone to human error. They can’t offer real-time visibility, and they certainly don’t scale with your business. When your team is spending hours each week copying invoice data between systems, the margin for error increases—and the cost of those mistakes adds up.

In fact, 94% of spreadsheets contain errors.
Source: Tuck School of Business, Dartmouth

Those errors often lead to incorrect invoice amounts, missing details, or formatting issues that delay payments and erode customer trust.

Delayed Invoicing, Delayed Payments

It’s not just the accuracy of invoices that matters—it’s the speed. Manual processes often delay invoice creation and delivery, especially when teams toggle between ERPs and third-party tools or rely on batch processing.

According to the Credit Research Foundation, 61% of late payments are due to administrative errors or invoices arriving too late.

That’s a staggering stat. It means most of your payment delays may have nothing to do with customer behavior—and everything to do with internal bottlenecks.

And with every delay, cash flow takes a hit.

Why Speed and Accuracy Matter Now More Than Ever

In a fast-paced, digital-first economy, outdated invoicing doesn’t just cause frustration—it limits your ability to grow.

Here’s why:

Delayed billing = delayed revenue. The longer it takes to issue invoices, the longer it takes to collect.
Manual effort scales poorly. As your business grows, AR teams become overwhelmed by volume—leading to burnout, more errors, and slower collections.
Customer relationships suffer. Mistakes or delays create friction, damage trust, and increase the likelihood of disputes or payment holds.
Reporting is unreliable. Without real-time data, finance leaders can’t forecast accurately or respond to changes quickly.

Modern businesses need more than spreadsheets and email attachments. They need embedded workflows that move at the speed of business.

What Automated Invoicing Looks Like

Imagine this: A sale is completed. The ERP system instantly pulls the right billing information and generates a professional, branded invoice—automatically.

The invoice is emailed to the customer immediately, with a secure link to pay online. If payment isn’t made within a few days, a polite reminder is sent—automatically, based on the rules your team has set.

Meanwhile, your AR team has a live dashboard showing exactly which invoices are pending, which are overdue, and which are paid. No digging. No spreadsheets. No delays.

That’s what AR acceleration looks like—and it starts with invoicing.

How to Modernize Your Invoicing Workflow

Most modern ERPs already have the capability to support embedded payments and AR automation. The key is tapping into those native features and eliminating your reliance on disconnected tools.

Here are three areas to focus on:

Automate invoice generation. Look for tools that pull directly from ERP data to reduce errors and avoid manual entry.
Digitize invoice delivery. Replace printouts and attachments with direct-to-inbox emails that include payment options.
Set smart follow-ups. Use rule-based reminders to ensure consistent collections without the need for manual outreach.

By focusing on these improvements, your team can move faster, reduce mistakes, and improve customer experience—all without switching platforms.

Embedded Invoicing: A Smarter Way Forward

Modern ERPs already offer powerful tools for automating invoicing—but tapping into those features often requires the right configuration and support. That’s where embedded payment solutions come in.

By integrating invoicing and payment capabilities directly into your ERP, you create a more cohesive, automated workflow. Invoices can be generated and delivered instantly, payment options can be included up front, and follow-ups can run on autopilot—reducing delays and manual effort.

For finance teams, that means more time for strategic work, fewer errors, and better visibility across the billing cycle.

What’s Next in the Series

Modern invoicing sets the stage for faster payments. In the next post, we’ll explore how embedded payment options remove friction for your customers—and accelerate collections for your team.

Take the Next Step

Talk to Fortis and discover how automated invoicing inside your ERP can help you move faster—with fewer errors and a better experience for everyone involved.

Fortis Appoints CFO and CROO to Drive Next Growth Phase in Payments Technology

Posted on November 6, 2025November 6, 2025 by Chris Haldane

PLANO, Texas, November 6, 2025 — Fortis, the payment technology leader for software platforms and scaling businesses, today announced the appointments of Brent Coles as Chief Financial Officer and Sharat Shankar as Chief Risk and Operations Officer. The strategic hires position Fortis to accelerate its embedded payments capabilities and deepen relationships across its software platform and enterprise resource planning (ERP) partner network.

The expanded C-suite reflects Fortis’s commitment to scaling its payments infrastructure as demand grows for integrated financial solutions among software platforms and their business customers.

“Brent and Sharat join Fortis at a crucial point in our company’s trajectory,” said Greg Cohen, CEO of Fortis. “As we scale to meet increasing market demand, their combined expertise in financial operations, risk management, and strategic partnerships will be critical to our success. Both leaders bring proven track records of driving growth and operational excellence in fast-moving fintech environments.”

Brent Coles, Chief Financial Officer

Brent Coles brings more than 25 years of fintech and payments leadership to Fortis. He has held senior finance roles at leading payments companies including Onbe, Clearent, and BluePay, where he demonstrated expertise in scaling high-growth businesses, managing M&A transactions, and partnering with private equity sponsors to deliver measurable results.

At Fortis, Coles will oversee all financial operations, including strategic planning, forecasting, and capital allocation. He will work closely with the executive team to strengthen financial discipline and support strategic growth initiatives across the company’s partner and ERP ecosystems.

“I joined Fortis because of the significant opportunity ahead,” said Coles. “The company has built strong market positioning and assembled the right technology and team. My focus will be on building the financial infrastructure needed to scale efficiently while delivering value to our customers, partners, and stakeholders.”

Sharat Shankar, Chief Risk and Operations Officer

Shankar brings deep payments, lending, and fintech expertise to Fortis. Most recently, he served as EVP of Risk at Corpay, a global business spend management platform. His background also includes senior leadership positions at established financial technology companies including Intuit and First Data.

In his role at Fortis, Shankar will oversee the company’s operations and risk functions, with a focus on operational efficiency, regulatory compliance, and partner experience. His expertise will be instrumental as Fortis expands its embedded payments capabilities while maintaining best-in-class risk management practices.

“The embedded payments space is evolving rapidly, and Fortis is uniquely positioned to lead that transformation,” said Shankar. “I’m excited to work with the team to deliver exceptional partner and customer experiences while enabling scalable growth.”

About Fortis

Fortis is the leader in embedded payments for software providers and ERP systems, processing billions annually through its proprietary technology. The company’s mission is to forge holistic commerce experiences that seamlessly integrate within software workflows—transforming payment processing from cost center to strategic advantage. With expertise in software platforms, Fortis moves commerce closer to invisible by strengthening the payments capabilities of software partners, guiding businesses to reach uncharted growth. Headquartered in Plano, Texas, Fortis is redefining the $100 trillion B2B payments landscape. Learn more at www.fortispay.com.

Media Contact
pr@fortispay.com

The Hidden Cost of Fragmented AR Workflows: What Tech Leaders Should Know

Posted on November 3, 2025November 3, 2025 by Chris Haldane

Read Time: 6 minutes 

TL;DR: Fragmented AR integrations cost users up to $1.3M annually in lost productivity. 59% of U.S. companies attribute poor cash flow to manual AR processes, while IT teams waste hours maintaining broken integrations. The solution? Native or deeply integrated AR automation delivers 80% faster processing, 70% cost savings, and 20% DSO reduction. Teams should prioritize certified integrations, audit current AR workflows, and eliminate the “invisible project” draining IT resources.

The Invisible Project Draining Your Resources

Every company has one: the “invisible project” that no one budgets for, but everyone works on. It’s not a product launch, new initiative or campaign—it’s simply keeping your accounts receivable functional.

When invoices don’t sync to your ERP, AR data lags, or a connector fails, your tech teams quietly step in. They rebuild, export, reconcile, repeat, all to keep revenue flowing.

But that invisible project isn’t free. It costs hours of manual work, delayed insights, and missed opportunities that could be spent on strategic growth.

The Cost of Disconnected Payments

Disconnected payment and AR tools create hidden costs that add up quickly. In fact, 59% of U.S. businesses attribute poor cash flow and forecasting to outdated manual AR methods, while another 57% cite difficulties in managing credit risk (PYMNTS Intelligence, 2024).

Manual AR processes drain productivity across the organization. According to recent research, half of businesses report excessive time wasted on AR processing, while 44% struggle with collecting delinquent payments (PYMNTS, 2024). Beyond operational challenges, companies face direct financial losses: studies suggest businesses can lose up to $1.3 million annually on inefficient processes (Formstack/Mantis Research, 2022).

The time cost is staggering. Each hour spent reconciling data, managing logins, or manually re-keying information is time your team could be using to move the business forward.

The IT Bottleneck: When Your Tech Team Becomes a Manual Data Bridge

When payment processors, billing platforms, and AR automation tools don’t integrate seamlessly someone has to fill the gap—usually your IT or Applications teams. Sometimes it falls to the Finance leader who knows the workflow best but doesn’t have bandwidth to manage yet another integration project.

The result? Your tech team becomes a human middleware layer. They’re constantly building custom scripts, managing API connections, creating saved searches for data exports, or worse—manually entering payment data into their ERP because the integration broke again.

According to the National Automated Clearing House Association, 71% of remittance information associated with electronic payments travels separately from the actual payment, forcing AR teams to manually match payments to invoices (Citizens Bank Corporate Finance Insights). This often means toggling between multiple systems, exporting data, and using spreadsheets to reconcile what should be automatic.

Teams find themselves spending valuable time on:

Re-creating APIs when third-party connectors fail

Building and maintaining custom connectors for data transformations

Manual cash application because payment data doesn’t map to invoices

Creating workarounds when batch imports fail or take too long

Troubleshooting why payment gateway data isn’t syncing to customer records

This fragmentation doesn’t just slow operations—it damages team morale and retention. Accounts Receivable staff are especially vulnerable to defections: according to the Institute of Finance and Management, 27% say they plan to leave within the next year, and nearly half say they’ll leave within three years (IOFM, 2023).

When talented developers and systems administrators spend their time on repetitive integration fixes instead of innovation, disengagement follows. Disengagement due to manual processes costs organizations $3,400 for every $10,000 in salary (OPEN.money, 2024).

The ROI of Integration

The business case for AR automation is compelling. Companies that implement comprehensive automation solutions report significant benefits:

Processing time reductions of up to 80% and cost cuts of 30-40% on manual processes (SNS Insider Market Research, 2024)

Reduction in Days Sales Outstanding (DSO) by up to 20% (multiple industry sources)

Invoicing cost savings exceeding 70% when transitioning to automation (HighRadius, 2024)

83% of AR executives report improved process efficiency and accuracy after implementing automation (PYMNTS Intelligence, 2024)

The AR automation market is experiencing explosive growth, projected to increase from $3.2 billion in 2025 to $8.6 billion by 2035, with a compound annual growth rate of 10.3% (Future Market Insights, 2025). This growth reflects the urgent business need for integrated solutions.

From Fragmentation to Flow: Invisible Work Becomes Visible Impact

The path forward requires more than just new software—it demands integrated systems that reduce manual handoffs and give teams real-time visibility into the entire order-to-cash cycle.

Modern AR automation platforms offer:

Seamless Integration

Native connectors or prebuilt integrations that eliminate custom coding

Real-time, bi-directional data sync between payment systems and your ERP

Automatic cash application that posts directly to customer records and invoices

No more CSV exports, batch uploads, or manual reconciliation

AI-Powered Intelligence

Predictive analytics for customer payment behavior based on your transaction history

Automated credit risk scoring that updates customer credit limits

Smart payment matching that handles partial payments, credits, and discrepancies

Machine learning that improves accuracy over time

Automated Collections That Scale

Dunning workflows that trigger based on invoice aging

Multi-channel payment reminders (email, SMS, portal) with embedded payment links

Customer self-service portals that pull live data from your system

Automated escalation paths based on customer payment history

Real-Time Financial Visibility

Dashboards that reflect current AR data without manual reporting

Cash flow forecasting based on actual receivables and payment patterns

Custom saved searches and KPI tracking integrated with your ERP analytics

Role-based access that works with your existing permission structure

For organizations still relying on manual processes, the window to act is narrowing. Invoice volumes are projected to increase by 46% over the next three years (PYMNTS Intelligence, 2024), which will only magnify existing inefficiencies.

Taking Action

Tech leaders should:

Audit current AR processes to identify the most time-consuming and error-prone manual tasks

Calculate the true cost of fragmentation, including staff time, delayed payments, and opportunity costs

Prioritize integration capabilities when evaluating automation solutions—58% of enterprises consider integration a key factor in selecting financial automation software (IMARC Group, 2024)

Select scalable cloud-based solutions that can grow with your business and integrate with existing systems

Focus on change management with strong training and support to ensure successful adoption

The invisible project of keeping AR functional doesn’t have to drain your organization’s resources. With the right integrated automation platform, tech teams can shift from firefighting disconnected systems to enabling strategic growth.

Sources

PYMNTS Intelligence Report (2024). “Businesses at Risk: The High Cost of Manual AR Processes and What to Do About It” (in collaboration with Esker)

PYMNTS Intelligence (2024). “59% of US Businesses Link Poor Cash Flow to Manual AR Processes”

Citizens Bank Corporate Finance Insights. “Accounts Receivable Automation: Corporate Finance”

HighRadius (2024). “Accounts Receivable Automation Best Practices: 7 Top Benefits”

SNS Insider Market Research (2024). “Accounts Receivable Automation Market Size | Report 2033”

Future Market Insights (2025). “Accounts Receivable Automation Market | Global Market Analysis Report – 2035”

IMARC Group (2024). “Accounts Receivable Automation Market Size Report, 2025-2033”

Formstack/Mantis Research (2022). “Businesses can lose up to $1.3M a year on inefficient processes” (via CIO Dive)

OPEN.money (2024). “The True Cost of Manual Accounts Payable/Receivable Processes”

IOFM: Ten Ways To Win the War for AP/AR Talent _iofm25_best_teams_report_.pdf

Accelerate AR: Fast-Tracking Financial Performance with Fortis 

Posted on October 30, 2025November 3, 2025 by Chris Haldane

Post 1: Why It’s Time to Accelerate Your AR Workflow 
Read Time: 4 minutes 

This post kicks off our Accelerate AR series—a four-part guide to transforming your invoice-to-cash process using embedded payments inside your ERP.

First up: Why manual Accounts Receivable (AR) is slowing you down, and what to do about it.

In a perfect world, invoicing would be instant, payments would post immediately, and reporting would offer a crystal-clear view of cash flow. But for many mid-market B2B companies, the reality is different: invoices get delayed, payments arrive late, and reporting feels more like guesswork than a decision-making tool.

These inefficiencies often stem from outdated, fragmented processes. Despite investing in ERP systems to centralize operations, many companies still rely on spreadsheets and manual workarounds for AR tasks. If your team is switching between tools, manually entering invoice data, and chasing payments without clear visibility, your AR process is likely holding you back.

The results can be painful:

Payments trickling in well past due dates

Hours lost each week to reconciliation and follow-up

Limited insight into Days Sales Outstanding (DSO) and cash flow forecasts

Mounting frustration across finance, sales, and customer service

It’s a common reality, and it’s costly. Businesses in the Americas lose over 50% of unpaid receivables that aren’t settled within 90 days. On average, 4% of accounts receivable are written off entirely.
Source: Atradius & U.S. Census Bureau

The Hidden Cost of Staying “Good Enough”

Too often, AR workflows are seen as a back-office task—not a business growth opportunity. But in an environment where speed and accuracy matter more than ever, staying stuck in outdated processes puts your financial health at risk.

Even incremental delays can cascade into:

Missed revenue opportunities

Cash flow shortfalls that impact budgeting or expansion

Lower customer satisfaction due to billing confusion or payment friction

It’s not just about operational efficiency—it’s about unlocking real financial performance.

What If AR Could Move as Fast as Your Business?

That’s where true transformation begins—not just faster workflows, but smarter, more connected ones that accelerate every step of your AR process.

When you embed payments into your ERP environment, you create a single, frictionless AR system that works across your invoicing, payment collection, and reporting functions. You reduce touchpoints, minimize errors, and gain full control over your cash cycle.

Imagine:

Invoices sent the moment a sale closes

Customers paying instantly using their preferred method

Payments posting automatically to the correct account

Finance having real-time visibility into every step

This isn’t a future-state—it’s what embedded AR can deliver today.

Why Now?

Companies that haven’t modernized their AR systems are feeling it: longer collection cycles, higher operating costs, and a lack of data clarity to plan effectively. In contrast, businesses that integrate payments within their ERP are reclaiming time, reducing DSO, and scaling with less friction.

Modernizing AR isn’t just a technology decision—it’s a growth strategy.

Turning Strategy into Action

Fragmented AR processes don’t just slow you down—they make it harder to plan, respond, and grow. When invoicing, payments, and reporting operate in silos, inefficiencies compound and visibility fades.

But for companies using embedded payment solutions within their ERP, the story looks different.

With a single, connected workflow, finance teams can streamline invoicing, enable easier payments, and monitor key AR metrics in real time—all without switching platforms or adding new tools to manage.

That’s the power of embedded AR—and it’s what Fortis is built to support.

Where to Go from Here

Accelerating AR starts with recognizing the friction—and then replacing it with smart, embedded processes that work the way your business does.

In this four-part series, we’ll explore how Fortis helps finance teams automate the full invoice-to-cash journey:

In our next post, we’ll break down the hidden costs of manual invoicing—and how native ERP automation speeds up billing and reduces errors.

Then we’ll look at the payment experience: what’s slowing it down and how to eliminate the barriers that frustrate customers and delay revenue.

Finally, we’ll dive into AR reporting—and how real-time visibility transforms AR from a reactive function into a strategic growth driver.

Each post will offer practical insights and examples to help you modernize your AR process—and set your team up to scale.

Ready to uncover hidden inefficiencies in your AR process? Talk to a Fortis expert to see how embedded payments can streamline invoicing, reduce delays, and give your finance team time back.

Q3 2025 Release Notes

Posted on October 1, 2025March 9, 2026 by Chris Haldane

Period: July – September 2025
Published: October 2025
Audience: Fortis Customers, Partners, and ISVs
Location: Fortis Resource Center

Highlights at a Glance

Apple Tap to Pay on iPhone is now live — merchants can accept contactless payments directly on iPhone with no additional hardware.
Expanded device platform to PAX with Fiserv certification improves reliability across production hardware and deployment templates.
New Data Hub automations simplify file ingestion, reconciliation, and reporting across platforms.
ERP integrations enhanced — improved ACH handling, multi-location support, and configuration updates for Sage Intacct and NetSuite.
Portal self-service tools expanded with streamlined merchant onboarding and maintenance request flows.

Merchant & Partner Portals

Merchant Portal: Self-Service Request Menu/Bank Account Updates

Who is this for: Merchants using Wholesale, ACH-only, and PayFac services

What’s New:
A new Self-Service Request menu is now available in the Merchant Portal. This feature enables merchants to submit and track service requests, starting with the ability to update bank account information directly through a secure, guided workflow.

Key Highlights:

Self-service: Merchants can initiate updates (such as banking changes) without support team involvement.
Real-time tracking: Requests can be tracked within the portal for full transparency.
Future expansion: Additional request types will be supported soon.

Impact:

Faster turnaround for common updates
Improved transparency through real-time request status
Secure and compliant workflow for sensitive data

Devices & Mobile SDK

Apple Tap to Pay on iPhone

Who’s this for: ISVs, Retailers, and Merchants using iOS devices
What’s New: Contactless payment acceptance on iPhone

Summary:
Apple Tap to Pay on iPhone is now available through the Fortis platform. Merchants can accept in-person, contactless payments using only their iPhone — no extra hardware required. The release includes onboarding workflows, Terminal Profile IDs for Apple environments, and certification alignment with Fiserv & TSYS.

Impact:

Hardware-free, modern in-person payments
Simplified deployment for ISVs integrating through Fortis APIs

PAX Terminal Certification & Testing

Who’s this for: Field Technicians, ISVs, Support Teams
What’s New: PAX Fortis Terminal App version 1.0.2 is live in the PAX store

Summary:
PAX fortis terminal app is production ready, this offer is featuring parity with the Fortis Ingenico Device experiwnce offering an expanded catalog of devices and software flexibility for ISSV’s and Merchants.

Impact:

Flexibility or device offering and software capabilities
Additional point of sale options including mobile and countertop devices

Data & Reporting

Automated File Handling and Residual Ingestion

Who’s this for: Operations, Finance, and Data Teams
What’s New: Enhanced DataHub and Data Lake automations

Summary:
Q3 introduced major upgrades to file automation — including auto-unzipping, partner channel mapping, and residual data ingestion for ServeFirst, Omaha, and SmartPay. These automations reduce manual handling and ensure consistent monthly reporting.

Impact:

Faster reconciliation cycles
Reduced operational overhead

ERP Integrations

NetSuite Enhancements

Who’s this for: NetSuite Users and ISVs
What’s New:

Support for payments on “Pending Fulfillment” Sales Orders
Enhanced surcharge and deposit handling

Summary:
Merchants can now process payments earlier in the order lifecycle, avoiding workflow interruptions. Deposits now correctly include surcharges for EMV transactions.

Impact:

Smoother reconciliation
Greater flexibility in NetSuite billing flows

Sage Intacct Enhancements

Who’s this for: Accounting Teams, ERP Admins
What’s New:

Automated ACH reject handling and invoice reopening
Multi-location Fortis configuration support

Summary:
Returned ACH payments are now automatically reversed with clear reason codes. Multi-location setups let users manage multiple Fortis configurations per entity for different currencies or locations.

Impact:

Better ACH tracking and recovery
Simplified multi-location management

Enhanced Settlement Data for Transactions & Batches

Who’s this for: Merchants
What’s New: Expanded reconciliation data in APIs and reports

Summary:
The Merchant Portal now provides more detailed settlement data across both transaction and batch views. Users can view processor batch IDs, deposit dates, and settlement statuses directly from the Transactions and Batches pages or through the fortis.tech API endpoints. This improvement improves reconciliation and provides clearer visibility into deposit activity.

Impact:

Improved reconciliation and reporting
Easier cross-referencing between batch and processor data

Partial Refund Enhancements with Accurate Surcharge Rounding

Who’s this for: Merchants
What’s New: Smarter surcharge calculations for partial refunds

Summary:
Issuing multiple partial refunds is now easier and more accurate. The updated refund workflow automatically calculates remaining balances and surcharges, preventing rounding errors from cumulative refunds. A new “Refund Remaining Amount” button makes processing the final refund seamless.

Impact:

Fewer refund discrepancies
Improved customer experience during refund processing

Automatic Settlement Matching for Gateway Transactions

Who’s this for: Merchants
What’s New: Enhanced data matching between gateway and processor settlements

Summary:
The Fortis Gateway has improved how it matches gateway transactions with processor settlement records. Updated logic links settled transactions to a gateway transaction, improving downstream reporting.

Impact:

Cleaner gateway transaction to settled transaction mapping
More accurate reporting and reconciliation

Bug Fixes & Platform Stability

Who’s this for: All users
What’s New & Fixed:

Improved session handling in Merchant Portal
Fixed display issues on document upload dropdowns
Corrected DBA name mapping for KeyBank PayFac merchants
Enhanced signature capture for Move5000 devices

Summary:
Ongoing stability improvements ensure a more reliable, consistent experience across portals, terminals, and integrations.

Fortis API Information

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Q2 2025 Release Notes

Posted on July 1, 2025March 9, 2026 by Chris Haldane

Period: April – June 2025
Audience: Fortis customers, partners, and ISVs
Published: July 2025
Location: Fortis Resource Center

Merchant Portal & Partner Portal Enhancements

Quick Invoices Optimization

Who’s this for: Merchants, Developers

What’s New:

Optimized Quick Invoice API expand logic

Summary:

Our Quick Invoice tool got faster and smarter. We optimized backend API calls to return only what’s necessary for rendering, cutting down on load times and unnecessary data fetching. By customizing the data expansions used in invoice view, grid, and edit modes, merchants will experience snappier navigation and reduced errors, especially in environments with large invoice volumes.

Impact:

Improved page load performance
Reduced API usage

Token Import & User Management Improvements

Who’s this for: Merchants, Customer Support Teams

What’s New:

Case-sensitivity issue resolved in token imports

Summary:

As part of our ongoing investment in internal tooling, Fortis has continued to refine its employee-facing feature to streamline support, implementation, and administrative workflows. In Q2, we focused on internal enhancements that improve billing clarity, user management, and stored payment method handling—helping our teams work more efficiently and confidently behind the scenes.

These updates are for internal Fortis users and are not accessible to external users or merchants.

To improve the experience of managing stored payment methods and user accounts, we enhanced both the backend logic and internal UI for token import and user administration.

Notably, we introduced improved case-sensitivity handling during token imports, preventing silent failures when processing token data with inconsistent letter casing. This enhancement ensures smoother internal onboarding and reduces avoidable support escalations.

Impact:

Fewer support tickets related to failed token imports
Easier training and onboarding

Recurring Billing & PayLinks Reliability

Who’s this for: Merchants, Recurring Billing Users

What’s New:

Correct display of surcharges on recurring billings
Real-time updates to voided PayLinks

Summary:

Accurate billing and clear communication are essential to trust. We made several improvements to how recurring billing and PayLinks display surcharges, transaction statuses, and ongoing charge amounts.

Recurring billing now transparently shows surcharge amounts in the customer authorization agreement and receipts. Transactions marked as “Ongoing” now display “N/A” instead of “$0.00,” eliminating ambiguity around open-ended billing setups.

PayLinks were also refined to improve delivery tracking and real-time updates. Voiding a PayLink now immediately reflects in the UI without the need for a refresh, and delivery methods are now consistently displayed across transaction types. These updates reduce confusion and reinforce trust between you and your customers.

Impact:

Increased billing transparency
Improved end-customer communication

Devices & Mobile SDK Upgrades

Who’s this for: ISVs, Mobile Developers, Field Techs

What’s New:

Sale/Auth/Refund flows in MAUI
Battery health and timeout settings

Summary:

In Q2, we focused on empowering ISVs and merchants with the tools they need to support modern payment interactions. Whether you’re building a new mobile app, managing terminals remotely, or serving customers in challenging environments, these updates expand your capabilities and simplify development.

MAUI Wrapper & SDK Expansion

Our .NET MAUI wrappers now fully support Sale, Authorization, and Refund transaction flows. These are the most common interactions in retail and service settings, and developers can now implement them in cross-platform apps without resorting to native SDKs. The result: faster time-to-market, fewer bugs, and more consistent experiences across iOS and Android.

We’ve also added developer-friendly tools like battery health monitoring and device timeout configurations. These features give mobile field agents more visibility and control over their hardware—critical for avoiding mid-transaction power losses or unexpected idle timeouts.

Impact:

Better support for mobile and hybrid payment apps
Increased reliability during field operations

PAX Terminal Configuration & Remote Tools

Who’s this for: Fortis Support, Merchants, ISVs

What’s New:

Remote configuration and reboot
Idle image branding support

Summary:

We extended our Terminal Router infrastructure to support fully remote management of PAX terminals. You can now push configuration updates, upload idle branding images, and trigger remote reboots—all without physically touching the device. These features reduce downtime, enhance merchant branding, and give support teams powerful new ways to troubleshoot and maintain terminals at scale.

Impact:

Faster support resolution
Custom branding options

Cash Back & Deferred Transactions

Who’s this for: Merchants, ISVs, Payment Integrators

What’s New:

Cash Back
Deferred Auth

Summary:

Two commonly requested features are now live:

Debit Card Cash Back: Customers can request cash back directly from supported PAX terminals.
Deferred Authorizations: Merchants can queue up transactions when offline and process them later when connectivity is restored.

Impact:

Enables retail and offline environments
Supports broader merchant types

Payments & Gateway Upgrades

Who’s this for: ISVs, Gateway Integrators, Merchants

What’s New:

COF Initiation_Type field
Fix for blind contactless refund timeouts

Summary:

This quarter brought several backend improvements designed to increase approval rates, expand payment options, and support underserved payment flows. We added support for government benefit cards, improved recurring payment compliance, and simplified address verification for contactless refunds.

Zeamster API Enhancements

We introduced a new Initiation_Type field to our Zeamster API to better support recurring billing. This lets integrators distinguish between Merchant-Initiated Transactions (MIT) and Customer-Initiated Transactions (CIT), a requirement from card networks for Card-on-File (COF) scenarios. This upgrade improves approval rates and ensures compliance with Visa/Mastercard rules for recurring transactions.

We also addressed a blind refund timeout issue for contactless transactions on Ingenico devices. Chip refunds were working correctly, but contactless methods were timing out. Merchants can now issue refunds confidently regardless of how the card was presented.

Impact:

Improved recurring billing reliability
Better customer refund experience

EBT Support

Who’s this for: Merchants, Retailers, Government Vendors

What’s New:

EBT transactions in VT

Summary:

Fortis now fully supports Electronic Benefit Transfer (EBT) in the Virtual Terminal. Merchants can process EBT sales, refunds, balance inquiries, and voucher clear transactions. The system displays EBT-specific transaction types, adds visual indicators to distinguish these payments, and includes them in transaction reporting. This opens up Fortis to merchants who serve customers using SNAP and other benefit programs.

Impact:

Supports merchants serving EBT customers
Meets compliance standards

ERP Integration Enhancements

Who’s this for: ERP Integrators, Accounting Teams, ISVs with embedded ERP syncs

What’s New:

Fortis

Internally normalized data structures to support deposit detail reporting
Ensured backwards compatibility during migration to maintain ERP syncs
Impact
- Enabling future work to improve visibility into deposit details for consumption by Fortis ERP integrations for the benefit of merchant reconciliation

Oracle NetSuite Integration

Card-present surcharge (non-SCIS)
Improved ACH payment status visibility for pending origination vs settled
Impact
- Launching surcharge for card-present enables merchants taking in-person payments through the NetSuite back-office to save on processing costs.
- Merchants can now have better visibility and control on ACH payment statuses by configuring the Payment Processing Profile to determine at what ACH status to approve a payment

Sage 50 App

Quick Invoices now can utilize the native invoice number
Enabled using File Explorer for finding the company folder installation location
Impact
- Merchants can be sure the Fortis Quick Invoice and the Sage 50 invoice maintain document number consistency for reporting purposes
- Sage 50 app installation is streamlined by not needing to manually go find the file path of the Sage 50 install, saving time and reducing confusion

Sage X3 Plug-In

A token import tool has been created to map a merchant’s stored tokens from a previous gateway to Fortis’s stored token

Summary:

Fortis implemented normalized data structures and ensured backward compatibility to enhance deposit detail reporting and maintain ERP syncs, paving the way for improved merchant reconciliation. The Oracle NetSuite integration introduced card-present surcharges and better ACH payment status visibility, helping merchants reduce processing costs and gain more control over ACH transactions. Updates to the Sage 50 app and Sage X3 plug-in improved invoice consistency, streamlined installation, and enabled token mapping between the old gateway’s token to the Fortis token

Bug Fixes & Platform Stability

Who’s this for: Merchants, Partner Admins, Support, QA

What’s New & Fixed:

Scrollbar duplication fixed on token import UI
Chargeback screen filters corrected
ACH wallet transactions default properly

Summary:

Our commitment to stability continued this quarter with focused efforts on form validation, data mapping, file ingestion, and platform consistency.

Impact:

Fewer UI bugs and rework
Improved customer and support experience

Fortis API Information

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Learn More