Open Modern Payment Platforms: Flexible, Secure, and Built to Scale

What if your payment system wasn’t locked down by a single provider?

Open modern payment platforms give businesses the freedom to choose, integrate, and scale without limits.

For Horizon Supply, that freedom couldn’t come soon enough.

At first, Horizon’s leadership thought integrating payments with their ERP would be simple. “Just connect the processor,” the consultant said.

But every time they added a new sales channel, a new currency, or a customer asking for Apple Pay, their setup started to resemble a domino chain—where changing just one thing risked knocking the whole system down.

It didn’t take long for them to realize they didn’t just need another patch; they needed a solution that could handle complexity without crumbling under it.

That’s when they began looking into solutions designed from the ground up for flexibility, integration, and scalability.

Because let’s face it: payments shouldn’t be the most fragile part of your business operations.

In this blog, I’ll explore what makes an open modern payment platform valuable, how it unlocks flexibility and control within Microsoft Dynamics 365 Business Central, and how USTPay’s solution empowers businesses like yours to take payments from a tangled mess to a well-oiled machine.

The USTPay Advantage: Open Modern Payment Platforms for Dynamics 365 BC

Legacy payment setups tend to be rigid, built around a single processor or gateway with limited room to grow. USTPay flips that model by offering a truly open modern payment app that connects Dynamics 365 Business Central to over 120 gateways and processors worldwide.

Whether you’re working with regional banks, global providers, or a mix of both, this unique system adapts to your needs.

With USTPay, you can Bring Your Own Processor (BYOP)—preserving existing relationships, negotiating better credit card processing rates, and avoiding the hidden costs that come with forced bundling.

This flexibility is especially valuable for SMBs, who often get locked into one-size-fits-all contracts that don’t fit their growth plans or payment mix.

The platform also allows you to connect multiple eCommerce credit card payment gateways across legal entities, currencies, and geographies—so your international operations aren’t stuck with domestic limitations.

And because real-world disruptions happen, USTPay includes built-in failover protection.

If one gateway goes down, payments automatically reroute, keeping your eCommerce checkout, ERP invoicing, and customer experience running on cruise control.

As businesses scale, having an open, modern payment platform with API-driven architecture becomes essential.

As noted by Forbes, modern financial platforms that rely on open APIs are better equipped to support long-term growth, enabling seamless integrations across systems and services.

Strengthening Security and Ensuring Compliance

When it comes to payment processing, security isn’t optional—it’s foundational.

USTPay uses only PCI-compliant providers, reducing the scope and cost of compliance, not just for customers but for implementation consultants as well.

That means less burden on your IT team, peace of mind with PCI compliance, and a smoother experience for everyone involved.

Through tokenization and secure APIs, USTPay helps businesses protect sensitive cardholder data without sacrificing performance.

Whether you’re processing credit card payments in-store, online, or directly from your ERP, your sensitive bank and credit card data is collected and vaulted directly from a hosted PCI compliant payment provider, tokenized, and shielded from breaches.

That’s not just good practice—it’s peace of mind for customers and auditors alike.

With security requirements constantly evolving, having a platform that’s already built with compliance in mind helps businesses avoid costly updates or last-minute fixes.

Business Insider highlights how open banking APIs—like those used in modern payment platforms—improve data security by eliminating risky practices like screen scraping and replacing them with secure, tokenized access.

Seamless eCommerce Integration

For growing companies, managing multiple platforms can feel a lot less “seamless” than advertised, especially when payments, orders, and inventory don’t line up.

USTPay’s payment platform bridges the gap between your ERP and your digital storefront, making eCommerce credit card processing simpler, faster, and more accurate.

Thanks to real-time integration between Dynamics 365 Business Central and platforms like Magento, BigCommerce, WooCommerce, Commercebuild, and custom eCommerce systems, your orders, inventory, and invoices stay accurate and connected. That means reliable product availability, consistent pricing, and clean billing, without the double entry.

The result? No more batch uploads, inventory surprises, or delays between a customer clicking “buy” and your team seeing the sale.

Your eCommerce and ERP work in sync, enabling faster fulfillment, better reporting, and fewer manual steps.

Because payments are part of that same streamlined flow, credit card processing isn’t just secure—it’s smart.

Transactions post directly into your ERP, helping reduce abandoned carts and creating a smoother experience for both your team and your customers.

Empowering Customers with Self-Service Invoice Portals

Today’s customers expect options—and that includes how and when they pay.

USTPay enables self-service invoice portals where customers can access and pay invoices anytime using secure credit card, ACH payments, or Canadian Interac payments.

This is especially valuable for B2B transactions, where payment delays often result from outdated billing processes or lack of clarity.

With 24/7 access, customers can pay on their schedule, without waiting for emailed invoices or callbacks from accounting.

Behind the scenes, those payments post directly to open invoices in Dynamics 365 BC, automatically updating the cash receipt journals, the general ledger, and customer records.

That means less manual entry for your team, cleaner books, and faster month-end closes.

By removing friction from the accounts receivable process, businesses get paid faster and customers enjoy greater convenience—an easy win for both sides.

Since payments post automatically in Dynamics 365 BC, many businesses also see a measurable drop in manual processing time and associated costs.

USTPay customers, for example, have significantly reduced payment processing costs just by streamlining how they accept and apply payments.

Unlocking the Future of Payments with USTPay

Open modern payment platforms offer more than convenience—they offer control. With USTPay, businesses gain the freedom to choose their processors, reduce credit card processing costs, and improve both customer experience and backend operations.

Whether you're managing a growing eCommerce site, optimizing AR workflows, or expanding into new markets, USTPay provides the flexibility and security your business needs to stay ahead.

Thanks to its native integration with Dynamics 365 Business Central, you get powerful functionality without the patchwork.

Ready to modernize your payments? Contact USTPay today to see how a flexible, open modern payment platform can transform your Dynamics 365 Business Central environment.

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.