Dynamics 365 Payment Processing and the Power of Choice: BYOP Explained

For years, Microsoft Dynamics 365 payment processing came with a catch: if your ERP platform changed, your processor had to change as well.

It was the kind of breakup no one asked for—expensive, inconvenient, and almost always at the worst possible time.

Luckily, that model is changing. Thanks to BYOP (Bring Your Own Processor), you no longer have to give up a provider you like just because your software vendor prefers someone else.

In this post, I’ll dig into how BYOP helps you keep the payment processor you trust, avoid costly rework, and expand into new markets with far more flexibility.

It’s about time your software worked around your payment needs, not the other way around.

 

What Is BYOP—and Why Does It Matter for Microsoft Dynamics 365 Payment Processing?

Bring Your Own Processor (BYOP) translates to freedom to use your preferred processor, instead of the one dictated by your ERP or ecommerce platform.

In Microsoft Dynamics 365 payment processing environments, many businesses are still limited to one built-in option, depending on the AppSource solution you choose.

This is called a closed single-provider model and is the most prevalent solution in Microsoft Dynamics 365—or any other ERP software. BYOP flips that model, so the software adapts to the processor, not vice versa.

If you caught my earlier post on what to do when your payment processor gets discontinued, you already know how disruptive a forced change can be.

BYOP is how businesses get ahead of that problem. Instead of reacting when a provider pulls the plug, you can build payment flexibility into your system from day one.

Why Is BYOP Gaining Traction Across SMBs?

Businesses want continuity, not disruption, when upgrading systems. And when it comes to payment processing, continuity can be the difference between a smooth go-live and a payments panic you didn’t budget for.

Here’s why more SMBs are embracing BYOP:

• They want to maintain relationships with trusted payment processing companies instead of being forced to switch with every system change.

• They’re looking to avoid delays and costly rework when migrating to new systems like Microsoft Dynamics 365.

• Many rely on processors that specialize in industry-specific or regional payment processing services that are unavailable through standard integrations.

• And frankly, requiring a new processor every time you upgrade your ERP is like getting a new phone number every time you move to a new home—acceptable in 1995, but not so much now.

What Are the Benefits of BYOP in a Dynamics 365 Payment Processing Environment?

The flexibility of BYOP within Microsoft Dynamics 365 payment processing environments gives businesses a serious edge:

• Scalability: Choose a payment processing solution that grows with your business and add new gateways or processors without deploying new ERP or ecommerce extensions.

• Continuity: Keep your existing infrastructure and contracts.

• Cost Control: Avoid new implementation fees, patchwork integrations, and expensive workarounds.

• Global Readiness: Use international payment gateways and support multi-currency transactions to ensure readiness for cross-border growth.

• Flexibility: Choose from popular payment gateways or specialty providers that meet your business’s needs.

How Secure Is BYOP Compared to Traditional Payment Processing?

Just because you're choosing your own processor doesn’t mean you're sacrificing security:

• BYOP still ensures all integrations meet PCI compliance standards.

• It works seamlessly with trusted credit card payment processing companies while maintaining secure tokenization.

• It can help reduce your PCI scope and compliance overhead, even when you're working with multiple credit card payment processing partners.

For more about how open payment architectures help preserve both flexibility and compliance, check out my blog.

How an Integrated Open Modern Platform Supports BYOP

For BYOP to deliver real value, you need a platform that plays well with others.

Look for:

• Compatibility with all major payment processing solutions

• No vendor lock-in, so it can adapt to your existing payment gateways

• No risk of providers holding your card vault or tokens “hostage,” so you don’t have to re-collect customer payment info when switching gateways.

For Microsoft Dynamics 365 users, flexible payment integrations aren’t a nice-to-have—they’re essential for staying connected across platforms, currencies, and markets.

USTPay offers all of the above and supports over 120 credit card payment gateways and ACH payment processors worldwide.

This McKinsey article explains how the future of ERP lies in modular, adaptable platforms.

BYOP aligns perfectly with that philosophy, letting you bring in the payment processing services that work best for your business model.

Is BYOP Right for You or Your Clients?

Consider BYOP if:

• You’re happy with your current processor and don’t want to be forced to switch

• You need a payment processing solution that supports multiple currencies or international markets

• You rely on specific credit card payment gateways that aren’t natively supported by your ERP

• You’re expanding into new regions or industries that require more specialized payment support

• You’re looking to reduce disruption and maintain control over your credit card payment processing operations

Say ‘yes’ to even one of those, and it’s worth exploring how BYOP could simplify your payments and maintain your sanity.

Stay in Control, No Matter What Changes

Upgrading to Dynamics 365 payment processing doesn’t mean giving up control of your payments.

With BYOP, you can ensure continuity, flexibility, and fewer headaches, without compromising on compliance or scalability.

And with USTPay’s open modern platform, you get a proven partner that supports the processors you already trust.

Want to keep your payment processor without slowing down your ERP upgrade? Reach out - we’d love to learn more about your needs.

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.