Business Central Recurring Payments

Business Central Recurring Payments

Business Central Recurring Payments helps Microsoft Dynamics 365 Business Central users support repeat customer payment workflows with documented card-on-file, recurring ACH, automatic payment, automatic reminder email, Job Queue, review, and reconciliation functionality.

This page focuses on recurring payments and automatic invoice payment workflows rather than one-time card processing. The source guide documents monthly, weekly, and daily automatic payment schedules, saved customer cards, ACH account-on-file workflows, recurring ACH authorization requirements, payment reminder emails, and review of processed automatic payments.

Solution Overview

Recurring payment workflows help businesses collect repeat customer balances without manually entering the same payment information each time. In the documented Business Central payment processing workflow, repeat payments can be supported through saved cards, automatic payments, recurring ACH authorization, account-on-file payment selection, Job Queue processing, reminder emails, and automatic payment review.

The source guide documents automatic customer payments with the Datacap Pay API platform. It also documents that customers can be charged their balance on a monthly, weekly, or daily basis when the customer has a card on file, and that ACH recurring payment limitations can be entered on the Customer Card and checked before recurring ACH payments continue.

Typical users include accounts receivable staff, finance managers, Business Central administrators, implementation teams, and companies that need repeat customer payment workflows for balances, recurring invoices, customer account payments, or subscription-like payment patterns.

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Business Central Recurring Payments Overview

The source guide documents several recurring-payment-related capabilities: card-on-file tokenization, automatic payments for customer balances, Job Queue processing, automatic payment reminders, automatic payment review, recurring ACH payments, account-on-file payment selection, and customer-level ACH recurring payment validation fields.

Business Central Recurring Payments Features

• Recurring credit card payment workflows through card-on-file and automatic payments with Pay API.
• Recurring ACH workflows using account-on-file and customer ACH recurring payment fields.
• Automatic payment schedules for monthly, weekly, or daily customer balance payment.
• Automatic Payment Amount setting for balance due or full balance payment.
• Automatic Payment Card and Automatic Payment Account fields on the Customer Card.
• Business Central Job Queue entries for automatic customer payment processing.
• Automatic credit card and ACH payment reminder emails for monthly or weekly automatic payments.
• Automatic Payments review page for completed and unposted automatic payment attempts.
• Authorized Credit Card Transactions review and reconciliation support.

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Recurring Payment Scenarios

Recurring payment searches may come from businesses that need repeat billing, automatic invoice payments, customer balance collection, recurring ACH authorization, or subscription billing Business Central style workflows. The source guide does not describe a full subscription billing system, but it does document automatic customer balance payments and recurring ACH payment controls that can support recurring payment processes.

Documented recurring payment scenarios include charging a customer balance on a schedule, selecting a saved card for future payments, using an ACH account on file, validating recurring ACH limits, sending pre-payment reminder emails, and reviewing processed automatic payment attempts.

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Card-on-File for Repeat Payments

Card-on-file tokenization allows a user to select a saved customer card instead of entering new payment information. The Payment Processing Setup field Save Cards on File controls whether cards are not saved, optionally saved during payment, or automatically saved for all approved cards.

Saved cards can be managed from the Customer Card through Actions > Payment Processing > Cards on File. The Default option specifies that the card should be selected automatically after Card on File is chosen on the payment page. If automatic payments are enabled, an Auto Payments option is visible, allowing a user to specify which card should be used by automatic payment.

If multiple credit card platforms or merchant IDs are set up in the extension, saved tokens can be used across different merchants and platforms when the Datacap portal merchant IDs are set up with the same token sharing group.

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Automatic Payments with Pay API

Automatic payments are documented for the Datacap Pay API platform. When Process Automatic Payments is enabled on the Payment Processing Setup page, customers can be automatically charged their balance on a monthly, weekly, or daily basis. A card must be on file for automatic payments to work.

The source guide documents a Payment Processing Fast Tab on the Customer Card. It includes Automatic Payment Schedule, Last Automatic Payment, and Automatic Payment Card or Automatic Payment Account fields. The Automatic Payment Amount setting determines whether a customer's balance due or full balance is paid with automatic payments.

Business Central Recurring Payments Job Queue

Automatic payments use Business Central Job Queue functionality. The source guide documents three Job Queue entries for the object named Credit Card Auto Payment SySo, with parameter strings set as monthly, weekly, or daily. These parameter strings specify which customers will have payments processed when the Job Queue entry runs.

The source guide states that the recurrence settings can be changed as needed and that each Job Queue entry planned for use should be enabled with Set Status to Ready.

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Recurring ACH and Account-on-File Workflows

ACH payments can be made using the Datacap Pay API platform. The documented ACH workflow requires authorization method, routing number, account number, and other account details, and the authorization acknowledgment must be checked before proceeding.

Recurring ACH payments can be performed automatically or by using the Account on File option on the payment page. The source guide states that recurring ACH payments must be explicitly authorized by form or recorded phone call.

Recurring ACH Business Central Authorization Controls

During recurring ACH authorization, limitations such as payment frequency and amount range are specified. After the form has been completed, this information should be entered on the Customer Card under the Payment Processing section. Fields documented in the source guide include ACH Recurring Payment Start Date, ACH Recurring Payment Frequency, ACH Recurring Payment Minimum, and ACH Recurring Payment Maximum.

These fields are checked before making a recurring ACH payment. The guide gives an example that more than one recurring payment will not be allowed in the period specified by the payment frequency field. If an automatic payment exceeds the maximum amount, it will make a payment for the maximum. Other limitations prevent the payment from continuing.

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Automatic Payment Reminder Emails

Emailing is configurable for the Pay API platform. The source guide documents Automatic Credit Card Payment Reminder Emailing and Automatic ACH Payment Reminder Emailing before a monthly or weekly automatic payment is made.

Reminder emails are set up in the Job Queue using parameter strings monthly-reminder-email and weekly-reminder-email. Daily payments cannot use reminder emails. The documented default Next Run Date Formula fields are CM-4D and 1W-2D so reminders run before the automatic payment jobs.

Text Templates for Recurring Payment Communication

Text templates are used to customize emails and the ACH phone authorization script. The source guide documents fields for credit card email subject, credit card email body, ACH email subject, ACH email body, automatic payment reminder subject, automatic payment reminder body, and ACH phone authorization script.

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Payment on Demand for Customer Balances

The source guide documents a payment-on-demand workflow for paying a Customer's Balance with one payment. The workflow uses Process Automatic Payments set to On, Automatic Payment Amount set to Balance, and a credit card on file with Auto Payments enabled or an ACH method set up.

The documented process also uses the Customer Card Payment Processing Fast Tab with Automatic Payment Schedule set to Daily, then the Credit Card Auto Payment SySo Job Queue entry is set to Ready and run once in the foreground. The source guide notes that the job should be left on hold if automatic daily payment is not desired.

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Reviewing and Reconciling Recurring Payment Activity

The Automatic Payments page shows the list of processed invoices that were paid or attempted using automatic payments. The source guide states that a payment status of Completed means the payment was successfully charged and posted to Business Central. A payment status of Unposted means the customer was charged, but the payment failed to post in Business Central.

When a payment is Unposted, the guide states that the Customer Ledger Entry is blocked from being paid through automatic payment again to avoid a duplicate payment.

Recurring Payment Reconciliation

Approved payments can be reviewed from Authorized Credit Card Transactions. Available actions include View Receipt, View Signature, View Email, Filter Records Without Document No., and Assign Document No. The source guide also documents using Analysis Mode to review authorized transactions by payment date and subtotal by card type.

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Example Business Workflows

Workflow 1: Set Up Recurring Credit Card Payments

A customer makes a regular payment and the card is saved on file. The user opens the Customer Card, goes to Cards on File, enables Auto Payments for the saved card, and configures the customer's automatic payment schedule.

Workflow 2: Run Monthly Automatic Customer Balance Payments

A merchant using Pay API enables Process Automatic Payments, sets the Automatic Payment Amount, confirms each customer has an automatic payment card or account, and enables the monthly Job Queue entry for Credit Card Auto Payment SySo.

Workflow 3: Send Reminder Emails Before Automatic Payments

If reminder emailing is enabled, the monthly-reminder-email or weekly-reminder-email Job Queue entry can be used to send reminder emails before the scheduled automatic payment job runs.

Workflow 4: Use Recurring ACH with Amount and Frequency Limits

A customer authorizes recurring ACH by form or recorded call. The user enters ACH recurring payment start date, frequency, minimum, and maximum fields on the Customer Card so the payment can be checked against the authorization limits.

Workflow 5: Review Automatic Payment Exceptions

A finance user opens the Automatic Payments page to review Completed and Unposted automatic payment attempts. If a payment is Unposted, the related customer ledger entry is blocked from being paid again through automatic payment to avoid duplicate payment.

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Conclusion

Business Central Recurring Payments gives finance teams and Business Central users a documented framework for repeat customer payment activity, including recurring credit card payments, recurring ACH Business Central workflows, automatic invoice payments, reminder emails, review of automatic payment results, and reconciliation support.

For organizations evaluating subscription billing Business Central style needs, the important distinction is that the documented workflows focus on repeat payment collection and customer balance payment activity. The recurring payment value comes from saved payment methods, Job Queue automation, ACH authorization controls, and review tools that keep recurring payment activity connected to Business Central customers and ledger activity.