Taxation - and tax compliance - can be a confusing and time-intensive but necessary burden for any accounting/finance team, regardless of the size of the organization.

Often, the task of taxation is left to companies outside of the organization that are familiar with all of the tax rates associated with the countries, states or provinces, counties, and cities and towns.


Tax regulations vary greatly by jurisdiction, country, industry, and service type. Successful organizations often build revenues on more than one product or service offering and in more than one region/tax jurisdiction. Bundled products, each potentially with unique tax regulations, can be difficult for tax managers to account for in a subscription revenue model. Companies unable to apply taxes appropriately risk revenue leakage and regulatory scrutiny.

Savvy tax engines enable companies to calculate tax for customers and services, which can be presented clearly and accurately on a customer statement. Such offerings can be packaged inside the billing engine or provided by a third party that utilizes API integration to quickly and securely pass customer and tax information from one system to another.

Taxation Components


A Closer Look at the People, Process, and Technology of Payment Processing


The Finance - Billing team leads the Payment Processing domain. Operations and IT are also closely connected with this very focused domain.


ATG maintains a set of 75 key business processes to support management of Customers and Revenue for Service Providers. Twelve of these processes originate, or are impacted by, the Credit Card Processing domain. Below are the key processes that touch this domain, categorized by the Organizational Unit that owns the process:

Finance - Billing Organization

Billing Setup Process - Tasks and functions associated with setting up the billing processes for given products and services.

Billing/Invoice Processing: Recurring/Periodic - Process for aggregating financial activities and adjustments for a given billing period and generating respective invoice.

Credit Card Optimization - The optimization of credit card success in order to reduce processing cost, risk, and fraud, as well as lower transaction fees.

Credit Card Processing - Methods to receive credit card payments including authorization, payment gateway, processing, interchange, and credit card success.

Operations Organization

Pro-Active Customer Notification - Operations focus (CC expiry, notification of payment received) - A proactive approach to notify customers of pertinent payment information.


Maintenance and Oversight of Monetization Ecosystem - processes around ensuring that all touch points and connections within the ecosystem are optimized to their fullest potential.

Monitoring & Testing of Vendor Functional Releases - As ecosystem components release updates and patches, each is checked and tested to confirm all systems are working together as required by the business' requirements.

Vendor Management of Monetization Ecosystem - oversight and communication duties of ecosystem software components and their vendors, including management of vendor road map and change logs and general relationship nurturing.

Cross-Training of Monetization Ecosystem Components - process for training organizational resources on the appropriate software systems.

Security Oversight of Monetization Ecosystem - process for maintaining and controlling access and permissions to ecosystem components.

Data Stewardship Across Monetization Ecosystem - process of assigning ownership and sources of truth for data within the organization.

All Organizations

Daily, Periodic, or Ad Hoc Reporting (Extraction, Load, Report, Dashboard) - movement of data between domains to create single source of truth for reporting and dashboarding.


Payment Processing software is provided by a handful of companies that ensure a secure, encrypted connection to their system, and typically have tiered fraud filtering systems as an upgrade path.

Key Taxation Vendors



Founded: 1979
HQ: New York, NY
Company Type: Public
Delivery Method: Cloud


Chase Paymentech is a web-based merchant service allowing retailers to accept payments in store, online, or on the go. Paymentech also provides web-based access to transaction data, advanced web-based reporting, an online chargeback interface, and optional fraud management tools.


This offering allows the user to:

  • Reconcile payment operations using daily, weekly, or monthly financial reports
  • Manage chargeback online with 24/7 access to comprehensive transaction data
  • Reduce errors resulting in chargebacks
  • Control employee access to customer and business-related information
  • Create customized fraud filters to manage risk

Paymentech screens for high-risk transactions, electronically captures, stores, and exchanges chargeback documents, and provides direct contact numbers for card issuing banks.


Chase Paymentech tends to target companies of all sizes, including enterprises, which are in need of data management tools.


  • Valley Ranch Pet Clinic
  • David Mayhew Photography
  • Skin Sanctuary
  • Irina's Alteractions


Founded: 1994
HQ: Foster City, CA
Company Type: Privately Held
Delivery Method: Cloud


CyberSource is a Visa, Inc. company providing an e-commerce credit card payment gateway. This company works with over 400,000 medium-to-large sized merchants worldwide to process online payments while utilizing fraud and security management.


Featured solutions include:

  • Global Expansion
  • Mobile and Cross-Channel Payments
  • Streamlining PCI Management
  • Optimizing Fraud Management

CyberSource also provides implementation and maintenance support, as well as merchant and partner payment management solutions.


CyberSource tends to target enterprise companies such as manufacturers, service businesses, and education and e-government entities, as well as medium-sized businesses.


  • Traveloka
  • LINE Thailand
  • China Eastern
  • Qunar
  • Television Broadcasts Limited (TVB)


Founded: 1981
HQ: Newcastle, UK
Company Type: Public
Delivery Method: Cloud


Sage Payment Solutions is a payment solutions and payment processing company allowing customers to pay via debit/credit card, electronic check and ACH, gift card, and mobile processing.


Additional processing solutions include:

  • Payment Card Industry (PCI) certification, merchant validation/certification, and PIN transaction security
  • Electronic entry of one-time or recurring payments through a virtual terminal
  • Processing and depositing of business and consumer checks at Point-of-Sale
  • Design and customization of pre-designed gift and loyalty cards

Sage Payment Solutions also enables integration with accounting and ERP software, while providing service and support for loss prevention and charge back assistance, underwriting, and more.


Sage Payment Solutions tends to target small to medium sized businesses of every industry, from retail to healthcare.


  • VGloryBee
  • Power Distributing
  • Merit Electric
  • Tanamera Construction
  • Harpoon Brewery


Founded: 1971
HQ: Symmes Township, OH
Company Type: Public
Delivery Method: Cloud


Vantiv acquired privately held Litle & Co. in December 2012. Vantiv is comprehensive in-store and online solution for merchants and financial institutions of all sizes. In-store technologies range from stand-alone devices to integrated POS solutions for credit cards, mobile payments, and ACH and checks. Online capabilities include credit, debit, and prepaid card acceptance as well as international payments.


Vantiv has features that include:

  • Fraudulent and card data protection
  • Payment security threat protection
  • Current and historical reporting insights
  • Customer and technical support
  • Integrated payment processing

Vantiv provides application, contract, underwriting, and provisioning solutions, chargeback analysis and reporting, and at-risk merchant monitoring and support. Additional services include gift and prepaid cards processing, and merchant financing.


Vantiv tends to target enterprise merchants, financial institutions, government entities, and payment facilitators, as well as small-sized businesses in retail, restaurant, and service industries.


  • Rabobank N.A.
  • USPS
  • Ingenico Group
  • Centier Bank

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