Why Payment Flexibility Matters in Dynamics 365 Business Central
- Wade Tetsuka
- Oct 20
- 4 min read
Think about how you pay for daily purchases. You might tap, transfer, or use a card. The method changes, but what you expect stays the same: ease and reliability. When it comes to Dynamics 365 Business Central payments, businesses want that same freedom.
They want to choose the best way to process payments without limits. That is what true flexibility means. It is not just about offering multiple payment options. It is about selecting the processor that fits your business strategy. With USTPay’s Bring Your Own Processor (BYOP) model, companies gain full control of how and with whom they process payments.
Rigid systems slow operations and add cost. BYOP gives that control back. It turns flexibility into a practical advantage that improves cash flow and customer experience.
When rigidity costs you
Every business feels the pressure of late payments. Most delays come from friction, not refusal. When buyers cannot use their preferred method, they postpone payment. Across dozens of accounts, those delays create working-capital strain.
Rigidity affects the merchant side too. Businesses tied to a single processor face higher fees and slower settlements. BYOP removes that barrier. Companies can connect any processor they trust, choose better rates, and support regional expansion.
Payment flexibility is not just about convenience. It is a financial choice that shapes liquidity and control.
Turning Business Central into a payment hub
When set up correctly, Dynamics 365 Business Central gives finance teams a clear view of how money moves. Add USTPay, and that visibility becomes actionable. BYOP connects any processor, any gateway, and any payment method in one streamlined experience.
Here is what that looks like:
Invoices include “Pay Now” links that use the processor you select
Receipts post the moment they clear through your connected bank feed
Payment terms adjust to billing cycles or regional standards
Multi-currency support keeps global operations accurate
Each feature reduces friction between intention and payment. Businesses keep their choice, data, and control.
Giving customers the freedom to manage Dynamics 365 Business Central payments
Customers value recognition. When they can pay with their preferred card, wallet, or bank transfer, it shows that you understand their needs.
Imagine two invoices in a customer’s inbox. One leads to a limited payment portal. The other connects through USTPay with the processor that best serves both sides. One clears within hours. The other stays unpaid for weeks. Choice drives faster collections and stronger relationships.
Helping finance teams stay in control
Finance teams need flexibility that does not create extra work. USTPay’s BYOP model fits inside Dynamics 365 Business Central, keeping reconciliation, reporting, and compliance in one place.
When a payment clears, the ledger updates instantly, and statements align. Teams can focus on analysis and forecasting instead of manual entry.
BYOP gives finance leaders standardization and autonomy at the same time. Each region, processor, or customer type can use what works best while staying within a unified system. Flexibility becomes structured efficiency.
Turning partner solutions into growth
For Microsoft partners, BYOP creates a new way to lead conversations about payments. Clients want more than processing, they want optimization. A processor-agnostic design inside Dynamics 365 Business Central helps them reach that goal.
Partners can deliver flexibility tailored to each industry:
Construction: Use milestone billing with processors that offer better rates on large transactions
Distribution: Manage recurring payments through gateways that support subscriptions
Non-profits: Accept donations through processors that specialize in charitable pricing
Each setup reflects the client’s real-world needs. Partners who understand that flexibility see stronger adoption and retention.
Bringing intelligence into every payment
Artificial intelligence redefines what payment flexibility looks like. Inside Dynamics 365 Business Central, Copilot and AI tools already help finance teams predict and act faster. BYOP strengthens that insight with data from every processor.
Cash-flow forecasting improves as the system tracks all payment sources in real time
Anomaly detection identifies irregular transactions early
Smart reminders adjust timing and tone based on past behavior
Together, AI and BYOP create smarter payment operations that anticipate problems instead of reacting to them.
Measuring the results that matter
Companies adopting robust payment workflows inside Business Central often see:
Lower days sales outstanding (DSO)
Faster reconciliation cycles
Reduced processing fees through better processor selection
Higher customer satisfaction and retention
These outcomes turn flexibility into measurable growth. Reports like The Nilson Report show that open, digital payment systems improve accuracy and reduce disputes benefits that ripple across finance and customer service.
Building your own path to flexibility
Map the flow: Identify where bottlenecks or processor limits slow payments
Select trusted extensions: Choose Business Central solutions like USTPay that support BYOP
Automate reconciliation: Let Business Central post and match transactions in real time.
Expand choice: Connect multiple processors to serve global or industry-specific needs
Track performance: Monitor DSO, failed payments, and transaction costs through dashboards
Each improvement builds stronger systems and better financial resilience.
Choosing freedom in your payments
True financial transformation means removing barriers from transactions. USTPay and Dynamics 365 Business Central give businesses that freedom. BYOP lets you decide which processor fits your goals, how to scale globally, and how to simplify operations. Every company wants faster payments. The difference lies in how easy you make it to pay, and how much control you keep over the process. Customers trust USTPay because they know you bring your own processor, shape your own terms, and drive your own growth.
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.
