B2B Payments: ERP with Built-in Subscription Pricing
- Wade Tetsuka
- Jul 15
- 5 min read
B2B payments shouldn’t require a degree in payment processing. But without embedded payments, they often feel that way.
The shift to subscription pricing is reshaping how B2B companies think about revenue, favoring predictability, customer loyalty, and long-term value over one-off transactions.
But there’s a catch: recurring billing only works if your systems can handle it.
Too many teams are juggling disconnected platforms, patching together spreadsheets, and sending “friendly reminders” that feel more like pleas.
Embedded payments change that. By integrating billing and collection directly into an ERP like Microsoft Dynamics 365 Business Central, you get a smoother, smarter way to scale subscriptions without scaling chaos.
What Is Subscription Pricing and How Does it Work for B2B Companies?
At its core, subscription pricing is a model where customers pay on a recurring basis, whether monthly, quarterly, or annually, for continued access to a product or service.
It’s not just for consumer streaming services anymore. In B2B, it’s expanding across SaaS platforms, managed IT services, equipment maintenance contracts, and even repeat-order product shipments.
Think about how Amazon or your pharmacy entices you with the option of “refilling” your product order on a scheduled, recurring basis. This ensures that you never run out, while at the same time providing Amazon or your pharmacist with a “perpetual” revenue stream.
Why the shift? Predictable revenue is a CFO’s best friend.
For customers, subscription models offer ongoing value without the need to renegotiate or reorder.
For businesses, they drive better retention, simplify forecasting, and align services with evolving client needs. It’s a win-win… IF you can make the billing side work.
What is the Difference Between Integrated and Embedded Payments?
Put simply, embedded payments allow your customers to handle B2B payments directly within the software or platform they’re already using—no redirects, no third-party popups, and no extra portals.
So, what is the difference between integrated and embedded payments? Integrated payments may connect to your ERP or invoicing tool but still operate as a separate system.
The difference is in the user experience and backend efficiency: embedded payments are built into an all-in-one platform like Dynamics 365 Business Central, so billing, collection, general ledger entry, and reconciliation happen in one unified environment.
For subscription billing, this means you can automate recurring billing, trigger invoicing events from actual usage or subscription cycles, and keep your data clean across finance and operations.
What Are the Benefits of Automated Recurring Billing with Embedded Payments?
Once you embed payments into your ERP, the advantages compound quickly:
Automated recurring billing and payment collections mean your team isn’t chasing down invoices manually.
Reduced admin costs and fewer manual errors improve operational efficiency.
Customers enjoy a smoother B2B payments experience without clunky redirects or inconsistent processes.
Finance leaders get better visibility into cash flow and collections, improving forecasting and decision-making.
Today’s B2B companies need platforms that are as flexible as their billing models.
That’s why many turn to USTPay’s open, modern payment platform that integrates directly with Dynamics 365 BC.
Where B2B Payments Fall Apart Without Embedded Billing
Without embedded payments, even the most well-intentioned subscription model can become a bottleneck.
Here’s why:
Fragmented systems lead to missed invoices, failed payments, and manual reconciliation chaos.
Lack of real-time visibility can lead to customers being cut off late or continuing to receive services they haven’t paid for.
Billing complexity translates to churn when customers don’t understand their invoices or have problems when trying to pay.
Finance and IT teams waste time maintaining fragile integrations or patching together custom workflows.
How USTPay Helps Simplify and Scale Subscription Pricing
USTPay helps companies simplify their billing infrastructure with embedded payment tools built specifically for B2B payment processing.
Here’s how:
Seamless integration with Microsoft Dynamics 365 Business Central
Connects to over 120 PCI-compliant gateways, offering flexibility and freedom of choice
Supports payments on complex recurring billing models that are handled within Business Central, including tiered pricing, usage-based models, and renewals
Supports the option for surcharging on credit card acceptance
Supports customer payments in any international currency
Reduces PCI scope and enhances security with certified, compliant solutions
With the ability to Bring Your Own Processor (BYOP), any enterprise can provision their current payment gateway and processor to be embedded in Business Central without development effort
Whether you’re billing by seat, usage, or calendar cycle, USTPay provides the tools to automate and scale without sacrificing control.
And with our expert team guiding the implementation in Microsoft Dynamics 365 Business Central, it’s tailored to how your business runs—no assembly-line implementations, just practical steps that make the entire process feel more manageable.
Compliance and Security Considerations
Handling recurring billing software comes with compliance responsibilities.
From tokenization and secure vaulting to managing PCI DSS scope, businesses need payment tools that do more than just process transactions.
Embedded solutions are built to simplify compliance. Because payments happen within the ERP, tokenized data stays protected, audit trails remain intact, and businesses reduce their exposure.
USTPay’s architecture ensures you stay ahead of evolving compliance demands without overburdening your internal teams.
Build a Smarter Billing Infrastructure
If you’re moving toward subscription pricing, your payment infrastructure needs to evolve with it.
Embedded payments aren’t just a convenience—they’re a cornerstone of scalable B2B operations.
By embedding B2B payment solutions directly into your ERP, you eliminate friction, reduce failure points, and give both your team and your customers a better experience.
And with modern platforms like USTPay, you also get the freedom to choose the gateways, billing models, and integrations that work best for your business—without needing custom development.
Contact USTPay for a consultation on how to support your recurring revenue strategy with embedded payments that are built to grow with you.
About Wade Tetsuka:
Wade Tetsuka is a visionary leader with over 15 years of experience as President of U.S. Transactions Corporation, where he has helped transform the landscape of B2B merchant services.
His deep expertise in finance, coupled with a keen understanding of compliance and client management, has positioned UST–a leading Fintech company and Independent Software Vendor (ISV) for Microsoft Dynamics 365–as a trailblazer in helping businesses save money and streamline payment processes.
As the founder of Presidential Forum LLC, an exclusive network for C-level executives, Wade fosters thought-provoking discussions that shape industry trends and leadership strategies. His commitment to excellence and forward-thinking approach makes him a sought-after voice in both the Fintech and executive leadership arenas.
Connect with Wade on LinkedIn.
