Business Central News

Credit Card Payment Processing in Microsoft Business Central II: ChargeLogic Payments and iPayment solutions

February 19, 2020
Senior Consultant

In our previous post we’ve reviewed the standard functionality for invoice payment with credit card in Business Central. This is however limited to click-to-pay invoices only and does not allow storing information and creating payment profiles. Luckily there are other options – Chargelogic and iPayment – 3rd party add-ons that allow you easier payments and integration with your Microsoft Dynamics 365 Business Central solution. Why should you consider them instead of using what’s in the standard functionality?

  • Stay in Business Central while working. The standard functionality requires customer paying and adding their information outside Business Central, i.e. with PayPal or Stripe. Using a 3rd party add-on – iPayment or Chargelogic – you are able to create payment profiles and you do not have to leave Business Central and create new profiles outside the solution. This effectively saves you time.
  • Lower merchant fees when signing up using the 3rd party provider. Both of the providers give you an option for signing up with merchants for a better % than for example PayPal or Stripe could;
  • Reliability. Both providers have been around longer than the standard functionality is available in Business Central. If there are any issues, they would be handled faster by the provider;
  • Extended functionality. 3rd party provider would give you a lot more options, including but not limited to additional receipt designs, better reporting, easier setup, gift card functionality, recurring payment, accepting checks or enhanced security.

How does ChargeLogic Payments and iPayment work?

Both iPayment and ChargeLogic Payments share the following features:

  • Add a credit or debit card via mail or telephone order. You can add as many cards as you like to your customer payment profile inside Business Central. This information is not stored in Business Central, it is instead sent via encrypted and tokenized channel to a PCI compliant database handled by the selected payment processor. 
  • Assign a card on file to an existing sales order or sales invoice.
    • Sales Order. You can assign a debit or credit card to a sales order and once the order is released, it will be checked for authorization with the payment processor. The payment processor would come back with an approval. Once the sales order is posted as an invoice, the payment is settled.
    • Sales Invoice. You can assign a card on file to an already posted invoice for immediate payments.
  • Populate the transactions to a Cash Receipt Journal automatically for posting.
  • Click-to-pay invoices. You can choose to have click-to-pay buttons on some or all of your invoices posted. Customers can pay the invoices using the link on invoice where they can enter their card information or use ACH payments.

What is unique about ChargeLogic Payments?

ChargeLogic provides the following:

  • Payment web portal. You may invite you customers to log in using their individual logins to enter their credit card information in a secured way. Using the portal, customers are able to see their own invoices and pay the invoices themselves instead of you adding that information manually.
  • E-commerce integration with Business Central. The ChargeLogic Payment platform provides you with the tools and integrations to accept payments from all your sales channels—back office, e-commerce, and retail POS. Manage payments from within Dynamics 365 Business Central.
  • Choose your own payment processor (only with the most expensive $500/user/month plan);
  • Receipt designs, additional reports, accepting gift cards.

ChargeLogic does not have recurring payment option.

What is unique about iPayment?

In addition to the functionality shared by both providers, iPayment has:

  • Recurring payment handling. You can create a monthly/weekly/daily billing plan inside the iPayments payment portal. The user experience is similar to Stripe payment portal.
  • Bulk e-mail open invoices with one payment link for aging customers. Collections management module allows filtering due customers (you can select due 60 days, 90 days, etc) and bulk invoicing the due invoices.
  • Blocking shipping and invoicing to customers in bulk who meet selected criteria (collections module).

iPayment is a lighter add-on compare to ChargeLogic which makes it easier to setup and start using and that is why it could be a better option for the smaller customers.

iPayment uses CardConnect (First Data Company), an innovative provider of payment processing and technology solutions for credit card processing. You are not allowed to select your own payment processor.

How much does ChargeLogic Payments cost?

ChargeLogic Payments for Business Central offers 3 plans:

  • Essentials: $50/month + Transaction Fees for unlimited users. Excludes e-commerce integration functionality.
  • Business: $125/month + Transaction Fees for unlimited users. Includes e-commerce integration functionality.
  • Enterprise: $500/month + Transaction Fees for one user. Allows choosing your own payment processor. Additional users cost extra.

How much does iPayment cost?

iPayment solution comes in one plan: $50/month + Transaction Fees for unlimited users.

Want to learn more about credit card payment processing? Interested in a demo? Fill-in the form below and we will help you find the best fitting solution:

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