PaySec + Microsoft Dynamics 365: Zero Processing Fees for Enterprise Business Applications
How organizations running Microsoft Dynamics 365 Finance, Business Central, and CRM are eliminating credit card processing fees with PaySec's Network Offset Pricing.
Microsoft Dynamics 365 powers enterprise operations across finance, supply chain, sales, and customer service. For organizations processing customer payments through Dynamics — whether through Accounts Receivable, e-commerce, or CRM-initiated invoicing — credit card processing fees represent a substantial and avoidable cost.
PaySec's Dynamics 365 integration brings Network Offset Pricing to Microsoft's business platform, eliminating processing fees while maintaining the enterprise-grade financial controls your organization requires.
Processing Fees at Enterprise Scale
Dynamics 365 customers typically process significant payment volume:
| Scenario | Monthly Volume | Processing Rate | Annual Cost |
|---|---|---|---|
| D365 Finance (AR) | $500,000 | 2.3% | $138,000 |
| Business Central (SMB) | $80,000 | 2.7% | $25,920 |
| D365 Commerce (retail) | $300,000 | 2.4% | $86,400 |
For a mid-size enterprise using D365 Finance with $500K/month in AR collections, processing fees exceed $130,000 annually — budget that could fund headcount, technology, or growth initiatives.
Integration Options
Dynamics 365 Finance (Enterprise)
PaySec integrates as a payment connector within D365 Finance:
- AR Payment Journal: Process customer payments with dual pricing through payment links
- Customer Payment Portal: Online portal displays NOP pricing for self-service payment
- Bank Reconciliation: PaySec settlements auto-reconcile with D365 bank statements
- Revenue Recognition: Clean revenue records without fee deductions
Dynamics 365 Business Central (SMB)
For smaller organizations on Business Central:
- Sales Invoices: PaySec payment links embedded in emailed invoices
- Payment Registration: Automatic payment recording when customers pay
- Bank Account Reconciliation: Deposit matching through bank feed integration
- Customer Ledger Entries: Proper application to open entries
Dynamics 365 Sales (CRM)
For sales-led organizations:
- Quote-to-Cash: Payment links generated at deal close
- Opportunity tracking: Payment status visible in pipeline reporting
- Revenue forecasting: More accurate forecasting with zero fee deduction
How It Works for Your Customers
Customer receives invoice from your D365 system:
INVOICE #D365-10892
Amount Due: $15,000.00
PAY NOW:
○ Wire/ACH Transfer: $15,000.00
○ Credit Card: $15,600.00
Secure payment powered by PaySecCustomer selects method, completes payment. Your D365 system records full $15,000 in revenue — zero fees deducted.
Enterprise Compliance Features
SOX Compliance
- Full audit trail for all payment transactions
- Segregation of duties maintained through D365 security roles
- Automated reconciliation supports control documentation
- No manual fee adjustments required (eliminates a control risk)
Multi-Currency and Multi-Entity
- Configure per legal entity within D365
- Support for domestic USD transactions (international expansion planned)
- Intercompany transactions excluded from NOP processing
- Entity-level settlement and reporting
Data Residency
- PaySec processes and stores data in US data centers
- Card data never touches your D365 environment (SAQ-A scope)
- API communications encrypted via TLS 1.3
- Regular SOC 2 Type II audits
Implementation Architecture
Microsoft Dynamics 365
├── Finance / Business Central
│ ├── Customer Invoice → PaySec Payment Link
│ ├── Payment Portal (dual pricing)
│ └── Auto-reconciliation on settlement
├── Commerce (Retail/POS)
│ ├── Store terminal (dual pricing display)
│ └── e-Commerce checkout (NOP at cart)
└── Sales (CRM)
└── Quote → Invoice → Payment (deal closure)ROI Model
| Company Size | Monthly Payment Volume | Current Annual Cost | With PaySec | Savings |
|---|---|---|---|---|
| Mid-market ($50-200M rev) | $200,000 | $64,800 | ~$0 | $64,800 |
| Upper mid-market | $500,000 | $138,000 | ~$0 | $138,000 |
| Enterprise ($1B+ rev) | $2,000,000 | $504,000 | ~$0 | $504,000 |
Technical Requirements
| Component | Requirement |
|---|---|
| D365 Finance | Version 10.0.28+ |
| Business Central | 2022 Wave 2+ |
| Integration Method | D365 Payment Connector framework |
| Authentication | Azure AD + PaySec API credentials |
| PCI Scope | SAQ-A (hosted payment fields) |
| Deployment | Cloud (Azure-hosted D365) or hybrid |
| Sandbox/UAT | Full support |
Implementation Timeline
| Phase | Enterprise | Mid-Market |
|---|---|---|
| Discovery & Scoping | 2 weeks | 1 week |
| Development & Config | 2-3 weeks | 1 week |
| Testing & UAT | 2 weeks | 1 week |
| Pilot/Parallel | 2-4 weeks | 1 week |
| Full Deployment | 1 week | 1 day |
| Total | 8-12 weeks | 4-5 weeks |
Getting Started
PaySec provides enterprise implementation services for Dynamics 365 customers:
- Contact PaySec enterprise sales for a scoping discussion
- Receive a custom savings analysis based on your payment volume
- Engage PaySec's integration team alongside your D365 partner
- Deploy to UAT and validate end-to-end
- Go live with zero-fee processing
PaySec + Microsoft Dynamics 365: enterprise-class payment processing with enterprise-class savings. Zero effective processing fees across your Dynamics ecosystem.