Credit card payment gateways and payment processors in Microsoft Dynamics 365 Business Central

November 19 2019

To improve your Accounts Receivable in Microsoft Dynamics 365 Business Central, you might want to implement an easier gateway for your customer to pay your invoices. You can also choose to have a payment link on your sales invoices automatically with a unique link to pay using a credit card or PayPal or WorldPay balance, and thus shorten your receivables cycle. Business Central has three payment extensions that come standard in the product: Microsoft Pay, WorldPay and PayPal. It also supports payment handling by Stripe, Braintree, PayPal, Wepay, and others. Let’s explore the differences by payment extensions available as standard.

PayPal Extension: PayPal Payments Standard

You can add the PayPal Payments Standard extension for free to your Business Central tenant. The PayPal extension adds a payment link to your sales invoices that you can then e-mail to your customers. The link is embedded and can be added to the standard or your custom invoice. When posting an invoice, you can choose to enable it or not, so not all customers must see this payment gateway on invoices. PayPal does not require any setup or monthly fees but they charge per transaction. It’s easy and fast to sign up. Your customers can choose to pay using their PayPal balance or a credit card, and PayPal is available and recognizable almost everywhere.

WorldPay: WorldPay Payments Standard

It works exactly the same as the PayPal extension. It has its own transaction fees.

Microsoft Pay Extension

Microsoft Pay comes free and is easy to setup, with no monthly fees. The fees are charged per transaction and depend on the payment processor. Microsoft Pay can appear on every invoice or on selected invoices – just like PayPal extension.

The main difference from PayPal or Worldpay is that Microsoft Pay does not handle payments itself, it uses 3rd party payment handlers such as Stripe, PayPal, Braintree, Wepay and thus theoretically gives you more choice. Why theoretically? Because as of 1st of October, 2019, only Stripe is available with Microsoft Pay. Microsoft Pay is not available in all countries.



All extensions provide the functionality of payment links on invoices and the benefit of shorter receivables cycle. PayPal is the most popular and most recognizable payment processor which makes it the most popular choice that we’ve seen. However, if you want to use Stripe – then Microsoft Pay extension is the one you should choose.

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About Petras Butėnas

Petras Butenas, CEO of Cloudrelia, has been actively engaged in Dynamics NAV / Business Central market since 2012. Having worked with both end customers and partners, Petras knows the Dynamics ISV and partner channel well and thus can help cope with the challenges Business Central users face with the new release. He has an extensive knowledge of upgrades from Dynamics NAV to Business Central, having participated in many himself.

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