Best Payment Processing for Business Central
Best Payment Processing for Business Central is not the same answer for every Microsoft Dynamics 365 Business Central customer. The best choice depends on whether the buyer needs processor freedom, card-present devices, phone/manual card entry, e-commerce cards, a customer payment portal, ACH, mobile payments, recurring payments, preauthorization holds, or finance reconciliation inside Business Central.
Solution Overview
The purpose of this page is to help Business Central buyers choose a payment processing direction using a decision framework rather than only a feature checklist. Page-level comparison should be useful to controllers, accounting managers, operations leaders, Microsoft partners, and implementation teams who need to identify the best fit before a sales demo.
System Solutions LLC payment documentation describes integrated credit card, debit card, ACH, sales invoice, sales credit memo, customer payment, card-on-file, automatic payment, sales order preauthorization, receipt, signature, LS Express, and reconciliation workflows. Public vendor and marketplace pages for iSolutions, Red Maple, EBizCharge, Versapay, USTPay, Microsoft payment services, and gateway-only approaches describe different combinations of AR automation, portals, processor models, device support, ACH, and online payment capabilities.
Best Payment Processing for Business Central Overview
The best buyer-intent question is not simply, “Which vendor has the most features?” A better question is, “Which solution supports the payment workflows my Business Central users actually need?” For one company, the best solution may be processor-neutral card-present payments at a counter. For another, the best solution may be AR automation, customer portal self-service, or gateway portability.
This page keeps the comparison factual and feature-based. It does not claim that one competitor is universally better or worse. Instead, it explains what each option appears best suited for based on public documentation and the System Solutions source guide.
Best Payment Processing for Business Central Features to Evaluate
- Can the buyer choose or keep its own processor?
- Can the solution support card-present devices, including EMV and contactless?
- Can AR staff enter cards for phone or mail order payments?
- Can customers pay e-commerce orders or online invoices?
- Can customers use a payment portal or payment link?
- Can the solution process ACH and recurring ACH?
- Can the solution support mobile payments or mobile-friendly payment links?
- Can the solution handle tokenization, cards on file, recurring card payments, and automatic payment jobs?
- Can the solution perform sales order preauthorization and capture?
- Can finance reconcile transactions, deposits, receipts, signatures, emails, and document numbers?
Evaluation Criteria
| Criterion | Why it matters for Business Central buyers |
|---|---|
| Processor choice | Processor freedom affects interchange strategy, contract negotiation, merchant account continuity, and the ability to switch processors later. |
| Device support | Counter sales, retail, wholesale, and card-present environments need terminal compatibility and clear device assignment rules. |
| Phone/manual card entry | Accounts receivable teams often need to collect card payments when the customer is not physically present. |
| E-commerce and portal | Online payment links, customer portals, and e-commerce transactions affect customer experience and AR workload. |
| ACH and recurring payments | ACH can reduce card-cost pressure and recurring payment workflows can support open invoice and account balance collection. |
| Preauthorization | Sales order preauthorization matters when the business wants to hold funds before fulfillment and capture later at invoice posting. |
| Reconciliation | Finance teams need transaction review, document matching, receipts, signatures, batch/deposit comparison, and export options. |
| Implementation ownership | Gateway-only approaches may require the buyer or partner to own more integration, posting, token, reconciliation, and support design. |
Which Solution Is Right for You?
Best fit: System Solutions LLC
System Solutions LLC is the best fit when the buyer wants Business Central payment processing that emphasizes processor choice, card-present devices, card-not-present payments, ACH, recurring payments, cards on file, sales order preauthorization, LS Express integration, automatic posting, receipt and signature support, and reconciliation inside Business Central.
- Strong fit when keeping processor flexibility is important.
- Strong fit when the same Business Central environment must support counter sales, invoice payments, customer account payments, ACH, recurring payments, and preauthorization.
- Strong fit when finance users want authorized transaction review, receipt/signature/email review, document number review, and processor deposit comparison.
Best fit: iSolutions
iSolutions is positioned publicly around credit card and ACH processing, recurring payments, collections management, click-to-pay links, customer portal, credit card reconciliation, API integration, and AR automation inside Business Central.
- Strong fit when collections management and customer portal experience are primary buying drivers.
- Evaluate processor model, card-present hardware, and exact phone/manual entry requirements during vendor discovery.
Best fit: Red Maple
Red Maple is positioned publicly around native Business Central credit card, ACH, and PayPal payments with processor flexibility, 15+ supported processor options, card present, card not present, e-commerce, call center, customer portal via Clever Division, Level II/III processing, and PCI 4.0 validated tokenization.
- Strong fit when processor flexibility and Business Central native payment processing are both key priorities.
- Evaluate recurring payment details and portal implementation scope for the current implementation.
Best fit: EBizCharge
EBizCharge is positioned publicly for Business Central credit card, debit card, and ACH processing with a payment module, customer portal, email payments, level 3 processing, reporting, encryption, tokenization, and support.
- Strong fit when the buyer wants a payment platform and AR payment tools with strong support emphasis.
- Evaluate processor choice, device models, and exact mobile/phone scenarios before selection.
Best fit: Versapay
Versapay is positioned publicly around Dynamics payment acceptance across e-commerce, point of sale, and accounts receivable, with click-to-pay invoicing, level 3 data processing, omnichannel payments, hosted payment pages, shopping cart integrations, and auto-reconciliation.
- Strong fit when AR automation, omnichannel acceptance, and reconciliation automation are major goals.
- Evaluate processor model and implementation scope for the North American or worldwide version.
Best fit: USTPay
USTPay is positioned publicly around bring-your-own-processor flexibility, 140+ gateways/processors, ACH/eCheck, hosted iframe fields, payment page, customer wallets, Level-3 processing, dynamic surcharging, customer invoice portal, POS options, text-to-pay, and recurring card or ACH payments.
- Strong fit when gateway and processor portability are the buyer's highest priority.
- Evaluate exact device, e-commerce, portal, and reconciliation workflow requirements for the environment.
Best fit: Gateway-only approaches
Gateway-only approaches can be useful when the buyer wants direct control over a gateway relationship or already has an e-commerce payment architecture. Microsoft documents built-in payment service links for sales documents, and Authorize.net GatewayOnly states that merchants can keep an Authorize.net gateway and switch processors.
- Strong fit when gateway control is more important than embedded Business Central payment feature depth.
- Evaluate posting, reconciliation, device, token, ACH, and support responsibilities because those functions may require connector or custom integration work.
System Solutions Payment Extension Function Criteria
A fair comparison should include all of the documented System Solutions payment extension functions, not just basic credit card acceptance. The checklist includes credit card payments, debit card payments, ACH payments, sales invoice payments, sales credit memo payments, customer account payments, customer ledger posting, general ledger posting, card-present payments, card-not-present payments, device setup, Payment Processing Terminals, Pay API, manual card entry, ACH authorization, recurring ACH, cards on file, token sharing, automatic payments, job queue processing, sales order preauthorization, voids, receipts, signature capture, LS Express POS integration, Store Account Management Tools signature integration, authorized transaction review, receipt review, signature review, email review, document number review, batch summary, surcharge settings, and reconciliation analysis.
This broad workflow list is why the buyer should test actual transactions during vendor evaluation. A vendor can support credit cards and still differ significantly in processor choice, devices, preauthorization, automatic posting, ACH, portal, and reconciliation behavior.
Buyer Workflow Scorecard
Use this simplified scorecard before product demos. “Yes” means the public material reviewed expressly described the capability. “Verify” means the capability may exist or may be available in some form, but the public material reviewed did not clearly document the exact Business Central workflow required.
| Workflow | System Solutions LLC | iSolutions | Red Maple | EBizCharge | Versapay | USTPay | Gateway-only |
|---|---|---|---|---|---|---|---|
| Processor choice | Yes, public materials describe processor-agnostic Datacap support for major U.S. and Canadian processors. | Verify processor model; public marketplace materials reviewed focus on iPayments features, not explicit processor-neutral positioning. | Yes, public materials state users can keep an existing processor or choose from supported options. | Verify processor model; public materials reviewed describe EBizCharge payment processing and support for multiple merchant accounts. | Verify processor model; public materials reviewed emphasize Versapay payment acceptance and merchant services. | Yes, public materials state support for 140+ gateways/processors and bring-your-own-processor. | Often flexible at the gateway level, but Business Central integration depth depends on the connector or custom work. |
| Card-present devices | Yes, AppSource lists EMV chip, EMV contactless, swipe, and compatible Ingenico, Verifone, PAX, and ID Tech devices. | Public materials list Point of Sale and Clover-related counter sales capabilities; verify exact terminal models. | Yes, public materials list card present and counter sales scenarios. | Public Business Central marketplace text lists mobile payments and payment module capabilities; Insight Works materials describe physical and virtual terminals for Counter Sales. | Yes, public AppSource text says chip and PIN/EMV capable and accepts payments across sales channels. | Yes, public AppSource text references Dejavoo Z-series or P-series POS terminal options. | Depends on gateway, device certification, and integration layer. |
| Phone or manual card entry | Yes, the guide documents manual entry and Pay API card entry directly in the payment page. | Verify exact phone/manual entry workflow. | Public materials list card-not-present and call center scenarios. | Verify exact phone/manual entry workflow. | Verify exact phone/manual entry workflow. | Public materials list hosted iframe fields, payment page, and card verification; verify phone workflow. | Depends on gateway features and Business Central integration. |
| ACH | Yes, the guide and AppSource listing document ACH and recurring ACH when configured. | Yes, public AppSource materials list credit card and ACH processing. | Yes, public AppSource text lists ACH. | Yes, Business Central marketplace text lists credit card, debit card, and ACH check processing. | Yes, public AppSource text lists bank payments and public Versapay pages list ACH. | Yes, public AppSource text lists ACH/eCheck. | Depends on gateway and connector. |
| Payment portal or links | Available through the related System Solutions Customer Payment Portal and payment link workflows. | Yes, public AppSource text lists click-to-pay links and a customer portal. | Yes, public materials reference Clever Division customer self-service portal. | Yes, public Business Central marketplace text lists online customer bill pay portal and email payments. | Yes, public AppSource text references online portals and payment data/reporting tools. | Yes, public AppSource text lists secure payment links and a customer invoice portal. | Depends on gateway-hosted payment page or custom portal. |
| Recurring payments | Yes, the guide documents automatic payments and recurring ACH/card-on-file workflows. | Yes, public AppSource text lists recurring payments. | Public Red Maple AppSource text reviewed emphasizes repeated authorization/settlement and payment-to-invoice; verify recurring specifics for the current offering. | Public Business Central marketplace text lists transaction types but not recurring billing in the Business Central snippet reviewed; verify current BC recurring capabilities. | Yes, public AppSource text lists scheduled and recurring transactions. | Yes, public AppSource text lists recurring card or ACH setup. | Depends on gateway vault and integration design. |
| Preauthorization | Yes, the guide documents sales order preauthorization holds, capture, void, and receipt workflows. | iSolutions public site mentions Pre-Authorization; verify exact Business Central sales order workflow. | Public Red Maple materials mention authorizations/capture at shipment or invoice; verify exact workflow. | Business Central specific public materials reviewed list authorize and capture; verify sales order preauthorization workflow. | Public AppSource text lists retained transactions for repeated authorization and settlement; verify sales order preauthorization workflow. | Public USTPay source lists authorization only; verify exact sales order preauthorization workflow. | Depends on gateway and custom connector. |
| Reconciliation | Yes, the guide documents authorized transaction review, Excel export, document number review, batch summary, and analysis mode for processor deposit comparison. | Yes, public AppSource text lists credit card reconciliation. | Public materials mention reconcile and settle invoices and bank statement/journal reconciliation. | Business Central marketplace text lists unlimited transaction history, custom reports, daily batch, credits, and voids. | Yes, public AppSource text lists auto-reconciliation from acceptance to posting to cash receipt journal balancing. | Public USTPay source lists batch/deposit reconciliation and posting against invoice/GL. | Often requires custom mapping from gateway reports to Business Central postings. |
Feature-Based Comparison Table
| Option | Most useful buyer fit | Primary strengths to evaluate | Key verification questions |
|---|---|---|---|
| System Solutions LLC | Processor-flexible embedded Business Central payments across devices, ACH, preauthorization, LS Express, portal options, and reconciliation. | Processor choice, broad Datacap processor/device ecosystem, ACH, card-present, card-not-present, recurring payments, cards on file, preauthorization, automatic posting, reconciliation. | Confirm exact processor/device, Pay API setup, portal requirements, ACH authorization, recurring schedule, and AppSource plan selection. View System Solutions AppSource Plans & Pricing. |
| iSolutions | AR automation, collections management, click-to-pay, customer portal, and credit card/ACH processing. | Collections management, customer portal, recurring payments, credit card reconciliation, API integration, Level 2/3 data. | Confirm processor model, card-present hardware, phone/manual card entry, e-commerce details, and preauthorization workflow. |
| Red Maple | Processor-flexible native Business Central payments with customer portal via Clever Division. | 15+ processor choices, card present, card not present, e-commerce, call center, ACH, PayPal, Level II/III, tokenization, portal. | Confirm exact recurring payment workflow, portal licensing, hardware compatibility, and sales order/preauthorization details. |
| EBizCharge | Embedded Business Central payments with portal, email payment, reporting, and payment platform support. | Credit/debit/ACH processing, customer portal, email payments, transaction history, custom reports, batch review, credits/voids, tokenization. | Confirm processor model, device models, manual entry, mobile workflow, recurring billing in Business Central, and portal scope. |
| Versapay | Omnichannel AR payment acceptance and reconciliation automation. | E-commerce, POS, AR channels, click-to-pay, Level 3, ACH/bank payments, auto-reconciliation, hosted pages, shopping cart integrations. | Confirm processor model, implementation scope, exact Business Central version, mobile requirements, and preauthorization details. |
| USTPay | Bring-your-own-processor and gateway portability. | 140+ gateways/processors, ACH/eCheck, customer invoice portal, text-to-pay, recurring payments, Level-3, dynamic surcharging, Dejavoo POS options. | Confirm device models, e-commerce flow, reconciliation workflow, portal experience, and support model. |
| Gateway-only approaches | Gateway control or custom integration strategy. | Processor-neutral gateway options and payment service links can be useful for focused online payment scenarios. | Confirm who owns Business Central posting, tokenization, device processing, ACH, reconciliation, support, and upgrade maintenance. |
Transaction Script for Vendor Demos
The best demo is not a slide deck. Ask each vendor to show the same transaction script so the differences are visible.
- Take a card-present payment on a Business Central invoice or sales order.
- Take a phone/manual card-not-present payment.
- Save a card on file and use it for a future payment.
- Process an ACH payment with documented authorization.
- Set up a recurring card or ACH payment.
- Preauthorize a sales order and capture it when posted to an invoice.
- Send a payment link or customer portal invoice payment.
- Review receipts, signatures, emails, and authorized transaction records.
- Compare processor deposit activity to Business Central payment records.
- Explain what happens if the buyer later changes processors.
Source Screenshot
The following preserved source screenshot shows the documented Credit Card Payment page used by the System Solutions payment processing workflow. It is included because the best payment processing decision should evaluate the actual Business Central payment experience, not only a vendor feature list.
Example Business Workflows
Best Payment Processing for Business Central for Counter Sales
A wholesale counter team needs card-present devices, receipt handling, optional signature capture, automatic posting, and clear payment terminal assignment by method, location, or user.
Accounts Receivable Phone Payment Workflow
An AR user opens a customer or posted invoice, takes a card-not-present payment, saves the payment method when authorized, and reviews the payment record from authorized transactions.
Customer Portal Collection Workflow
A customer receives a payment link or portal access, pays one or more invoices, and the payment is recorded back to Business Central customer ledger and general ledger entries when supported by the chosen solution.
ACH and Recurring Payment Workflow
A finance team sets up ACH, records the required authorization, and uses recurring ACH or card-on-file workflows to collect open invoice balances according to the documented schedule.
Finance Reconciliation Workflow
A controller reviews authorized transactions, receipts, document numbers, card type subtotals, batch/deposit information, and processor activity to confirm that Business Central payment records align with merchant deposit records.
Public Source Notes
The page uses publicly available vendor and Microsoft materials plus the attached System Solutions user guide. Vendor functionality, pricing, and supported devices can change, so final selection should be confirmed directly with the provider and the processor.
- System Solutions Business Central Payment Processing
- System Solutions Credit Card Processing on Microsoft AppSource
- System Solutions Credit Card Processing Plans & Pricing on Microsoft AppSource
- System Solutions Customer Payment Portal on Microsoft AppSource
- iPayments Credit Card & Collections on Microsoft Marketplace
- Red Maple Advanced Credit Cards for Business Central on Microsoft Marketplace
- EBizCharge Credit Card and ACH Processing on Microsoft Marketplace
- Versapay Payments NA on Microsoft Marketplace
- USTPay on Microsoft Marketplace
- Authorize.net GatewayOnly setup for existing merchant accounts
- Microsoft Learn: Enable Customer Payments Through Payment Services
Conclusion
Best Payment Processing for Business Central is a buyer-specific decision. System Solutions LLC is a strong fit when the buyer needs Business Central payment workflows that combine processor choice, card-present devices, phone/manual card entry, ACH, recurring payments, cards on file, preauthorization, LS Express, automatic posting, and reconciliation. Red Maple and USTPay are also strong processor-choice options based on public materials. iSolutions, EBizCharge, and Versapay may be strong fits when AR automation, portal experience, or payment platform services are the main priority. Gateway-only approaches may fit organizations that value gateway control and are prepared to own more integration scope.
The most practical next step is to define the transaction script before vendor demos. A factual buyer checklist will usually reveal the best option faster than a generic feature table.
Looking for additional Business Central Payment Processing information?
Visit our Business Central Payment Processing Page.
Looking for the Business Central Payment Processing User Guide?
Visit our Credit Card and ACH Processing for D365 Business Central User Guide.
View the Microsoft AppSource page for Business Central Payment Processing:
Business Central Payment Processing on Microsoft AppSource.