Microsoft Dynamics 365 Commerce

Frequently Asked Questions

• What is Dynamics 365 payment processing?
  Dynamics 365 payment processing refers to the end-to-end flow of accepting, authorizing, capturing, and reconciling payments directly within any Microsoft Dynamics 365 module — including Business Central (BC), Finance & Operations (F&O), and Dynamics 365 Commerce. Rather than managing payments in a separate system, businesses use a payment connector or integration layer to handle transactions (credit cards, digital wallets, BNPL, ACH, and more) natively inside their ERP, keeping all financial data in one place and automating order-to-cash workflows.
• What is a Dynamics 365 payment connector?
  A Dynamics 365 payment connector is a software extension that acts as a bridge between your Dynamics 365 environment and an external payment gateway or processor. It handles both card-present (in-store POS terminal) and card-not-present (online, call center, invoice) transactions. Microsoft ships built-in connectors for Adyen and PayPal, but third-party connectors — like SensePass — unlock access to 40+ global processors and 100+ alternative payment methods through a single API, eliminating the need for multiple separate integrations.
• Which payment methods does Dynamics 365 support?
  Out of the box, Dynamics 365 supports major credit and debit cards (Visa, Mastercard, Amex, Discover), cash, checks, and gift cards. With the SensePass connector, that list expands to 100+ payment methods, including:
  
  • Digital wallets: Apple Pay, Google Pay, Samsung Pay, Venmo, Cash App Pay, Alipay, WeChat Pay
  • Buy Now, Pay Later (BNPL): Klarna, Afterpay, Affirm, Zip, Sezzle, PayPal Pay Later
  • Bank transfers: ACH, Open Banking, SEPA, PIX (Brazil), UPI (India)
  • Cryptocurrency: Bitcoin and other leading digital assets
  • Invoice-embedded payments: customers pay directly from the invoice link
• Does Dynamics 365 support Buy Now, Pay Later (BNPL)?
  Dynamics 365 does not natively include BNPL providers. However, with SensePass you can enable Klarna, Afterpay (Clearpay), Affirm, Zip, Sezzle, and PayPal Pay in 4 across all Dynamics 365 modules — in-store POS, e-commerce, and call center. BNPL options are proven to increase average order value (AOV) by 20–40% and reduce cart abandonment, making them a high-impact addition to any Dynamics 365 payment strategy.
• How does Dynamics 365 payment processing work across Business Central, F&O, and Commerce?
  Each Dynamics 365 module handles payments slightly differently:
  
  • Business Central: Focused on SMB accounts receivable — customers pay invoices via payment service extensions or embedded payment links.
  • Finance & Operations (F&O): Enterprise-grade AR automation, vendor payments, and bank reconciliation for large organizations.
  • Dynamics 365 Commerce: Full omnichannel retail payments across POS terminals, e-commerce storefronts, and call centers.
  
  SensePass provides a single API that works across all three modules, so you maintain one unified payment stack regardless of which Dynamics 365 product you use.
• Is Dynamics 365 payment processing PCI-DSS compliant?
  Yes — when implemented correctly. PCI-DSS compliance requires that cardholder data is never stored in plain text within your ERP environment. SensePass achieves this through advanced tokenization and end-to-end encryption, meaning sensitive card data never touches your Dynamics 365 servers. All transactions are processed through our PCI-DSS Level 1 certified infrastructure, the highest level of payment security certification available, significantly reducing your compliance scope and protecting your business from data breaches.
• Can I accept payments in Dynamics 365 without coding?
  Yes. SensePass offers a no-code implementation for Microsoft Dynamics 365. Using our pre-built plug-in, you can integrate SensePass with your existing Dynamics 365 setup in minutes — no custom development or technical expertise required. The plug-in handles all communication between Dynamics 365 and the payment network, so your team can go live quickly and focus on running the business rather than managing complex integrations.
• What is omnichannel payment processing in Dynamics 365?
  Omnichannel payment processing means a customer can start a transaction on one channel and complete or return it on another — for example, buy online and pay in store, or initiate an order in a call center and pick it up at a retail location. SensePass extends Dynamics 365 Commerce's native omnichannel capabilities by ensuring the same 100+ payment methods are available consistently across every channel: in-store POS, e-commerce, mobile, call center, and invoice-based payments — all reconciled in one centralized dashboard.
• Can I switch payment processors in Dynamics 365 without losing customer payment data?
  This is one of the most common pain points in Dynamics 365 payment processing — known as "token lock-in." When you store a customer's card on file, the token is tied to your current processor. Switching processors normally means losing all saved payment tokens, forcing customers to re-enter their card details.
  
  SensePass solves this with managed token migration. We handle the secure transfer of your existing payment tokens to a new processor, so you can switch acquirers to get better rates or better service without disrupting your customers or losing any stored payment data.
• How does SensePass reduce payment processing costs in Dynamics 365?
  SensePass reduces Dynamics 365 payment processing costs in three key ways:
  
  • Least-cost routing: Transactions are automatically routed to the lowest-cost processor available at the time of the transaction.
  • Level 2 & Level 3 data processing: For B2B transactions, passing enhanced data qualifies cards for lower interchange rates — often saving 0.5–1.5% per transaction.
  • Processor freedom: Because SensePass connects to 40+ global acquirers, you can negotiate better rates and switch processors without any technical friction, eliminating vendor lock-in.
• Can Dynamics 365 send invoices with embedded payment links?
  Yes. With SensePass, businesses can embed payment links directly into Dynamics 365 invoices. When a customer receives the invoice — by email or through a customer portal — they can click the link and pay instantly using their preferred method, including credit cards, digital wallets, BNPL financing, or bank transfers. The payment is automatically reconciled back to the open invoice in Dynamics 365, eliminating manual matching and accelerating your order-to-cash cycle.
• Does SensePass work with Dynamics 365 Finance & Operations (F&O) for enterprise payments?
  Yes. SensePass is purpose-built for enterprise Dynamics 365 environments, including Finance & Operations (F&O). Our integration supports complex enterprise payment scenarios such as multi-entity payment management, multi-currency processing, automated general ledger posting, and real-time reconciliation. SensePass is trusted by some of the world's largest Dynamics 365 users — including a global organization operating across 100+ countries — making it the proven choice for enterprise-scale payment processing within F&O.