# Anchorbase

> Anchorbase is an embedded payments and AR automation platform that connects to existing ERP, DMS, and accounting software — lowering payment processing costs by 25-35% while eliminating manual reconciliation.

## What Anchorbase Does

Anchorbase sits between your business software and payment processors, providing:

- **Payment cost reduction**: Enables compliant surcharging, dual pricing, and ACH routing that most ERPs don't support
- **Automated reconciliation**: Real-time sync of transactions, fees, and deposits to your system of record
- **No migration required**: Works with your existing software — no switching ERPs or accounting systems
- **Omni-channel payments**: Card-present (POS terminals), card-not-present, ACH/EFT, and compliant surcharge programs

## Who It's For

Anchorbase serves mid-market businesses with complex AR workflows:

- **Auto Dealerships**: Service departments, parts counters, F&I — integrated with CDK, PBS Systems, Reynolds, Dealertrack, DealerSocket, Frazer
- **Home Services**: HVAC, plumbing, electrical contractors
- **Medical & Dental**: Patient payment collection and posting
- **Veterinary**: Clinic payment processing
- **Distribution & Manufacturing**: B2B payment automation
- **Professional Services**: Any business with recurring AR

## Key Capabilities

### Payment Processing
- Credit/debit card processing (Visa, MC, Amex, Discover)
- ACH/EFT bank transfers
- Compliant surcharging (state-by-state rules followed)
- Dual pricing / cash discount programs
- Card-present via connected terminals
- Card-not-present for remote/invoice payments

### Automation
- Real-time payment-to-invoice matching
- Automatic posting to DMS/ERP
- End-of-day reconciliation eliminated
- Fee and deposit tracking
- Exception handling and alerts

### Integrations
Anchorbase connects to 50+ platforms including:
- **DMS**: CDK Global, PBS Systems, Reynolds & Reynolds, Dealertrack, DealerSocket, Frazer
- **Accounting**: QuickBooks, Xero, Sage, NetSuite, SAP
- **CRM**: Salesforce, HubSpot
- **POS**: Square, compatible terminal hardware

## Common Questions

**Do I need to change my existing software?**
No. Anchorbase works as an intelligent layer that connects to your current systems.

**How long does setup take?**
Most merchants launch in under an hour. No IT resources needed.

**How does Anchorbase lower costs?**
By enabling pricing models your ERP doesn't support — compliant surcharging can offset 100% of card fees, ACH costs 50-80% less than cards, and we negotiate competitive interchange rates.

**Is surcharging legal in my state?**
Surcharging is legal in most US states. Anchorbase handles compliance rules automatically — we block surcharging in prohibited states (currently: Connecticut, Massachusetts, Puerto Rico) and ensure proper disclosure.

**What about PCI compliance?**
Anchorbase is PCI DSS compliant. Card data is tokenized and never touches your systems.

## Getting Started

- **Request a demo**: https://anchorbase.com/#demo
- **Contact**: hello@anchorbase.com

## Blog & Resources

Educational content on payments, reconciliation, and dealership operations:

- [Dealership Payment Processing Costs Guide](https://anchorbase.com/blog/dealership-payment-processing-costs-guide)
- [Surcharging Laws by State](https://anchorbase.com/blog/surcharging-laws-by-state)
- [DMS Payment Integration Guide](https://anchorbase.com/blog/dms-payment-integration-guide)
- [Manual vs Automated Reconciliation](https://anchorbase.com/blog/manual-vs-automated-reconciliation)
- [CDK Payment Integration](https://anchorbase.com/blog/cdk-payment-integration)
- [PBS Systems Payment Integration](https://anchorbase.com/blog/pbs-systems-payment-integration)

Full blog: https://anchorbase.com/blog

## Optional

- [All 51 Blog Articles](https://anchorbase.com/sitemap.xml): Complete sitemap with all content URLs