blog

NetSuite Solutions for Popular Payment Methods in the USA 2025

What drives a successful business transaction today? Is it seamless integration, advanced security, or meeting customers' preferred payment methods? In the United States, a leader in global commerce, these factors are essential. Whether you’re a small retailer, a growing service provider, or a large enterprise, understanding and implementing effective payment methods is no longer optional—it’s critical. Why? Because payment solutions influence both customer satisfaction and revenue growth.

As digital-first payment solutions continue to dominate, NetSuite, powered by Nimbus Payments, provides a platform that streamlines and optimizes payment processes. With robust ERP capabilities, NetSuite allows businesses to align their payment strategies with modern trends, ensuring financial operations are smooth, secure, and scalable.

This blog covers the most popular payment methods in the U.S. in 2025 and explains how NetSuite’s solutions can help businesses manage their payment workflows effectively.

Key Stats and Trends

Digital wallets like PayPal, Apple Pay, and Google Pay are reshaping payment processes in the U.S. In 2023, digital wallets accounted for 37% of all online transactions. By 2027, that number is expected to reach 52%. Originally popular with consumers, these tools are now used by businesses across all sectors—from small shops to enterprise operations.

Why? Because digital wallets make transactions faster, reduce processing time, and enhance convenience for customers.

NetSuite Integration Advantage

NetSuite seamlessly integrates with major digital wallets, allowing businesses to accept payments online and in-store. Payment data consolidates within a unified dashboard, giving businesses real-time financial visibility. This means faster reconciliation, better cash flow management, and fewer manual tasks.

Whether you’re handling a few transactions or thousands each day, NetSuite helps you process payments efficiently and accurately.

Credit Cards and ACH Payments: Popular Business Choices

Credit Cards

Credit cards remain one of the most trusted payment methods for businesses. They offer security, flexible credit limits, and rewards programs. They are ideal for recurring expenses, large transactions, and point-of-sale (POS) purchases.

ACH Payments

Automated Clearing House (ACH) payments are a cost-effective option for businesses that handle recurring payments. Payroll, vendor invoices, and subscriptions often rely on ACH because of its low fees and reliable processing.

NetSuite’s Role

NetSuite simplifies both credit card and ACH payment processing with features like:

Automated workflows for faster operations

Real-time tracking for better oversight

Advanced security tools like tokenization and PCI compliance

For ACH payments, NetSuite’s auto-reconciliation tools eliminate manual errors, ensuring payments are processed accurately at scale.

Buy Now, Pay Later (BNPL): A Flexible Payment Option for Businesses

Adoption Across Industries

Once popular with consumers, Buy Now, Pay Later (BNPL) solutions are now gaining traction among businesses. Why? Because they provide flexibility. Small retailers use BNPL to attract budget-conscious customers, while larger enterprises leverage it to spread significant project costs into manageable installments.

Providers like Klarna and Affirm now offer BNPL options tailored for business needs.

Why It Matters

For businesses, BNPL improves cash flow and makes large purchases easier to manage. Whether you’re investing in inventory, equipment, or offering flexible payment plans, BNPL builds stronger relationships with clients while boosting loyalty.

How NetSuite Helps

NetSuite’s flexible billing and payment modules integrate seamlessly with BNPL providers. Businesses can offer installment options directly within their systems. Features like automated tracking ensure businesses have full control over receivables, reducing the administrative workload.

Point-of-Sale (POS) Payment Methods: Adapting to Modern Needs

Digital Wallets at POS

Contactless payments are transforming in-store transactions. In 2023, digital wallets like Apple Pay and Google Pay accounted for 15% of all POS payments. By 2027, this number is projected to grow to 31%.

For retailers, restaurants, and event vendors, digital wallet options speed up transactions and improve the customer experience.

NetSuite POS Integration

NetSuite’s POS solutions support multiple payment options, including credit cards, debit cards, and digital wallets. The system connects real-time data between your POS terminals and back-office operations.

With NetSuite, businesses can:

Optimize Inventory: Real-time stock updates prevent overstocking or shortages.

Streamline Financial Tracking: Transactions are recorded automatically, reducing errors.

Enhance Customer Experience: Offering diverse payment options keeps customers happy.

Enhanced Security for Digital Payments

As digital transactions grow, so do risks. Data breaches can cost businesses dearly, both in finances and reputation. Whether you’re a small retailer or a large enterprise, strong security measures are non-negotiable.

NetSuite’s Security Features:

PCI Compliance ensures payments meet security standards.

Tokenization and Encryption protect sensitive data.

AI-Driven Fraud Detection analyzes transactions in real time, identifying potential threats before they become problems.

With these tools, businesses can confidently process payments while keeping customer data secure.

Seamless Bank Transfers for High-Value Payments

Why Bank Transfers Matter

Bank transfers remain the go-to method for large financial transactions. Think real estate payments, vendor settlements, or equipment purchases. They’re reliable, secure, and trusted across industries.

How NetSuite Adds Value

NetSuite streamlines bank transfers by:

Integrating payment data into your ERP system

Automating workflows to reduce manual errors

Offering real-time insights into cash flow

For businesses managing high-value transactions, NetSuite ensures precision and efficiency every step of the way.

Cryptocurrency Payments: A Forward-Thinking Option

An Emerging Trend

Cryptocurrency is becoming more relevant for forward-thinking businesses. It simplifies cross-border payments, reduces fees, and appeals to tech-savvy clients.

Why Consider Crypto?

Global Reach: Transactions happen faster across borders.

Customer Flexibility: Some customers prefer paying with digital assets.

NetSuite’s Cryptocurrency Readiness

NetSuite integrates with third-party crypto payment gateways, allowing businesses to accept cryptocurrency without sacrificing security. Tracking tools ensure every crypto transaction is managed effectively.

Optimizing Payment Workflows with NetSuite

NetSuite provides businesses with an all-in-one solution for managing payments. Here’s what it offers:

Unified Management: Handle all payment types from one dashboard.

Automation: Reduce manual errors with workflows for billing, invoicing, and collection.

Real-Time Insights: Use detailed reports to optimize cash flow.

Scalability: NetSuite grows with your business, supporting high volumes and new payment methods.

Conclusion

Managing payments in the U.S. brings challenges, but it also creates opportunities. NetSuite’s comprehensive solutions ensure businesses stay ahead of trends, improve security, and streamline financial operations. From integrating digital wallets and ACH payments to exploring BNPL or cryptocurrency, NetSuite provides the tools businesses need to simplify workflows and drive growth.

Is your payment process holding you back? NetSuite’s technology can help you transform how you manage payments—seamlessly and securely.

If you’re fed up with your financial management and looking to reform your business payment processes? Built 100% on NetSuite technology, our solutions provide seamless integration, advanced security, and unmatched flexibility. Let us help you transform your payment systems. Contact us today to learn more about our services here.

Top Tips

Tips & Guide

How to Handle Multi-Currency Transactions in NetSuite: Best Tips & Tricks
Learn how to tackle challenges like fluctuating rates and complex reporting necessities with the best practices, result-oriented tips and tricks like automating exchange rate updates and many more..
What Are the Benefits of Integrating Payment Solutions with NetSuite?
Learn about the operational efficiencies, security advantages, and scalability that come with unifying your ERP and payment systems by NetSuite.
5 Essential Tips for Reducing Payment Processing Fees in NetSuite
Discover actionable and effective strategies to significantly reduce your payment processing fees, optimize your financial operations, and enhance your overall profitability using NetSuite.
What Questions to Ask When Choosing an AR Payment Provider?
Learn the essential questions to ask when choosing the best accounts receivable (AR) payment provider for your business needs, ensuring you select a solution that streamlines payments, reduces costs, and improves cash flow.
5 Common Mistakes in AR Management and How to Avoid Them
Avoid these frequent accounts receivable (AR) management pitfalls to maintain smoother cash flow, reduce payment delays, and ensure efficient financial processes and learn how to identify and overcome them.