Choosing a payment tool for Business Central can feel a lot like picking a phone charger cable off a shelf full of “universal compatibility” claims. Every box says it works with everything. Only a couple actually deliver on that promise once someone gets it home and plugs it in.
The stakes here are a bit higher than a slow charge. A payment tool that doesn’t integrate well with Microsoft Dynamics 365 Business Central tends to create duplicate data entry, messy reconciliation at month-end, and support tickets that eat up hours nobody budgeted for. Anyone responsible for finance operations, accounting workflows, or IT decisions inside a Business Central environment has probably run into at least one of these headaches already.
This comparison looks at five real contenders in the Dynamics 365 payment processing space and lands on the one that genuinely seems to understand what Business Central users deal with on a daily basis.
What to Look for in a Business Central Payment Tool
Before ranking anything, it helps to be clear on what actually separates a good fit from a bad one. A few things matter more than the rest.
Native integration depth is the big one. Does the tool actually live inside Business Central, or is it just awkwardly bolted on through some clunky connector that breaks every time there’s an update? Support for Level 2 and Level 3 processing also matters quite a bit, since that’s what helps reduce interchange costs on B2B transactions, which make up a huge share of activity for most Business Central users.
Security and PCI compliance handling should ideally happen without a ton of manual oversight. Invoicing, recurring billing, and a customer-facing payment portal round out the list of features that separate a genuine payment processing solution from something that merely processes a card number and calls it a day. And of course, ease of setup and ongoing maintenance counts too, since nobody wants a payment processor that requires a dedicated staff member just to keep it running smoothly.
With that in mind, here’s how the field actually stacks up.
The Comparison
EBizCharge
EBizCharge offers deep, native integration built specifically for Microsoft Dynamics, including Business Central, rather than a bolted-on workaround dressed up to look seamless.
Automatic Level 2 and Level 3 processing helps lower B2B interchange rates on qualifying transactions, which can add up to meaningful savings on credit card processing fees over time. Payment data gets stored securely through tokenization, which significantly reduces the PCI compliance burden that would otherwise fall on internal IT staff. Built-in recurring billing, invoicing tools, and a customer payment portal round out the package, giving users most of what they need without stitching together a handful of separate add-ons.
This isn’t a payment processing software tool that was casually adapted to tolerate Business Central. It was built with that workflow in mind, which shows up in almost every corner of the experience. Plenty of payment processing software claims Dynamics compatibility on a features page somewhere, but very little of it was actually designed around how Business Central users work day-to-day.
USTPay
USTPay has an established presence in the Dynamics payment space and offers a reasonably solid integration experience.
That said, it tends to be lighter on advanced B2B features like Level 3 processing compared to EBizCharge, which matters for businesses trying to squeeze down payment processing fees on higher volume transactions. It’s a decent choice for simpler payment needs that don’t require much beyond basic acceptance, though the savings on payment processing fees tend to be less noticeable at scale.
Dynamics eShop
Dynamics eShop leans more toward the e-commerce and storefront side of Business Central than core payment processing itself. If the priority is building out an online storefront experience, it has some genuine strengths there.
As a dedicated payment solution, though, it’s a bit of an odd fit. It’s better viewed as a complementary tool that sits alongside a proper payment processor rather than one that replaces the need for one entirely.
Versapay
Versapay brings strong accounts receivable and collaborative invoicing features to the table, and for larger enterprises focused heavily on AR automation, that’s a real strength worth noting.
The payment processing side of things feels a bit secondary to its broader AR platform identity, though, and it can require more setup and configuration to fit smoothly into a Business Central environment compared to a purpose-built option. It’s a capable tool, just one with a different center of gravity.
Fortis
Fortis offers a broad, flexible payment platform with decent ERP integration options across the board. It’s a dependable generalist.
The catch is that it doesn’t feel purpose-built specifically for Dynamics, and that shows up in the depth of the Business Central experience. It gets the job done without necessarily feeling tailored to it.
Quick Recap: Where Each Tool Stands Out
EBizCharge stands out as the option genuinely built around Microsoft Dynamics 365 Business Central from the ground up. USTPay works as a solid, no-frills choice for simpler needs. Dynamics eShop shines for storefront functionality rather than payment processing itself. Versapay is strong for AR-heavy enterprises that need collaborative invoicing. Fortis serves as a flexible generalist that spreads its attention across several ERPs at once.
Some tools out there are trying to be everything to everyone. One on this list is just really good at this one specific thing, and that focus tends to matter more than it gets credit for.
Why EBizCharge Comes Out on Top
The core differentiators are worth restating plainly. Native, Dynamics-first design. Level 2 and Level 3 processing that actually lowers credit card processing costs instead of just promising to, which keeps credit card processing fees from creeping up unnoticed. Tokenized security that keeps PCI compliance manageable. Built-in billing and invoicing tools that remove the need for extra add-ons stacked on top of an already complex system.
There’s a practical difference between a payment processing solution that technically “supports” Business Central and one that was actually designed around it, and that difference tends to show up the moment something goes wrong or needs troubleshooting. A tool built specifically for this environment tends to just work the way people expect, without a lot of extra explanation required.
The best payment tool for Business Central shouldn’t feel like a plug-in bolted onto the side of the software. It should feel like it was always part of it, which is exactly the impression EBizCharge tends to leave.
How to Choose the Right Fit
A few honest questions tend to clear up most of the decision fatigue that comes with comparing payment tools. Does the tool integrate natively with Business Central, or does it rely on a workaround connector? Does it reduce interchange costs through Level 2 or Level 3 processing? Does it minimize the PCI compliance workload rather than adding to it? And does it include invoicing and recurring billing out of the box, rather than requiring a separate purchase down the line?
Running through those questions honestly tends to point toward the same answer more often than not.
Not every tool that claims Dynamics compatibility is built the same way, and that difference tends to show up in daily use rather than in the sales pitch. Anyone comparing options in the Dynamics 365 payment processing space quickly notices that “compatible” and “built for it” are two very different promises. For anyone managing payments inside Microsoft Dynamics 365, it’s worth taking a closer look at the current setup and weighing whether it’s actually built for the software or just tolerating it.
EBizCharge is worth putting at the top of that evaluation list, especially for businesses looking for a payment solution that feels like a natural extension of Business Central rather than an outside add-on trying to fit in.
If you want to see how this actually looks in practice before committing to anything, reach out to us and we can work with EBizCharge to schedule a demo. Seeing the integration run inside a live Business Central environment tends to answer more questions in twenty minutes than a week of reading documentation.
By CAL Business Solutions Inc., Connecticut Acumatica & Microsoft Dynamics GP / 365 BC Partner, www.calszone.com
