Embedded Payments allow Dynamics 365 BC and Dynamics 365 Finance users to manage banking, payments, collections, foreign exchange, and reconciliation within the ERP workflow. Yavrio and Xe bring domestic and international payment capabilities together, helping finance teams move from invoice approval to reconciled cash without depending on disconnected portals, CSV files, or tracking spreadsheets.
Key Highlights
- Embedded Payments bring domestic payments, international payments, bank data, card collections, FX, and reconciliation into Dynamics 365 BC and Dynamics 365 Finance.
- Finance users can initiate payments from the ERP instead of exporting payment files and signing in to separate bank portals.
- Payment confirmations and bank data flow back into the same workflow, supporting automated reconciliation and a more complete audit trail.
- The approach can be introduced in phases, while a five-level maturity model helps teams identify their next step.
Why Do Dynamics 365 BC and Dynamics 365 Finance Users Need Embedded Payments?
Dynamics 365 BC and Dynamics 365 Finance users need Embedded Payments because the ERP may hold the invoices, supplier records, approvals, and ledger entries while the actual payment process still happens across separate systems. Those disconnected steps create avoidable handoffs, delay cash visibility, and make control and reconciliation more difficult.
In a typical Dynamics 365 BC payment run, an accounts payable clerk may export approved invoices to CSV, upload the file to a bank portal, correct validation errors, and wait for a separate approval. International payments can add another provider and login, while reconciliation exceptions remain in a spreadsheet.
A single payment run can touch six systems and create five handoffs, increasing the risk of delays, re-keying errors, missing information, or an incomplete audit trail. CSV files also allow payment details to be changed between export and upload without the ERP recording it.
Embedded Payments keep initiation, approval, execution, status updates, and reconciliation connected to the ERP record. The payment workflow becomes part of Dynamics 365 instead of a process users must work around.
What Do Embedded Payments Mean in Dynamics 365?
Embedded Payments mean banking and payment activities operate as part of Dynamics 365 BC or Dynamics 365 Finance rather than through a separate finance system. Users continue working in the ERP while the underlying banking and payment infrastructure handles the transaction.
This differs from traditional integration. An integrated process may generate a payment file in the ERP, upload it to a bank, and import a confirmation later, but the files, portals, delays, and manual exceptions still exist.
With an embedded model, the payment action takes place in Dynamics 365 BC or Dynamics 365 Finance, the bank responds through its API, and transaction data returns to the same workflow. Payments behave like ERP data: current, traceable, and connected to the original invoice.
How Do Yavrio and Xe Support Embedded Payments in Dynamics 365?
Yavrio and Xe divide the work beneath a single Dynamics 365 experience. The finance user sees the ERP interface, while each provider supplies the infrastructure needed for the relevant part of the transaction.
Accounts Receivable in Dynamics 365 BC and Dynamics 365 Finance
The receivables workflow begins with a sales invoice. A customer can pay through an embedded card-payment link, after which the payment is posted and matched to the invoice. The bank feed updates the cash position and takes place without a separate spreadsheet or portal login.
Accounts Payable for Domestic and International Suppliers
For payables, an approved invoice can be paid from inside Dynamics 365 BC or Dynamics 365 Finance. The routing depends on the supplier record.
Yavrio handles domestic payments through rails such as Faster Payments, BACS, and bulk account-to-account payments. Authorization uses the bank's regulated security flow rather than shared credentials or uploaded files.
International payments are routed through Xe. The user can see the FX rate, converted amount, fees, and expected delivery time before confirming. Xe handles cross-border execution, global payout, and compliance screening, while status and reconciliation data return to the ERP.
What Business Outcomes Can Embedded Payments Support?
The practical value of Embedded Payments appears in the finance team's daily work, month-end close, audit reporting, and cash visibility.
- Time Saved: less manual reconciliation, payment-file preparation, portal navigation, and exception chasing.
- Improved Accuracy: fewer re-keying and CSV-formatting risks because payments use the supplier and invoice record.
- Real-time Visibility: current bank balances, payment status, and FX exposure inside the ERP.
- Greater Control: initiation, approval, execution, settlement, and reconciliation recorded against the invoice.
- Scalability: expansion from one bank and currency to more entities, payment types, and international workflows.
How Quickly Can Embedded Payments Be Introduced?
The Yavrio and Xe approach is designed for phased adoption rather than a twelve-month, all-or-nothing ERP project. Yavrio is installed from Microsoft AppSource by Dynamics 365 BC and Dynamics 365 Finance administrators, without an on-premises integration server.
A typical sequence begins with live bank balances and transaction feeds, followed by domestic payments, embedded card collections, and global payments and FX through Xe. The first phase can deliver value in days, while later phases are measured in weeks.
Why Trust Yavrio and Xe?
Yavrio is a Microsoft banking, payments, and treasury application for Dynamics 365 BC and Dynamics 365 Finance. It provides bank connectivity, payments, card collections, and automated reconciliation, connects to banks globally, is FCA-regulated, and is distributed through Microsoft AppSource.
Xe brings more than three decades of FX expertise. Its payout network covers more than 120 currencies and over 200 countries and territories, and the company is part of Euronet Worldwide.
Together, Yavrio and Xe provide an embedded payments stack spanning accounts receivable, accounts payable, domestic payments, international payments, FX, bank feeds, and reconciliation.
Frequently Asked Questions
Q: Do embedded payments replace Dynamics 365 BC or Dynamics 365 Finance workflows?
A: No. Banking and payment capabilities operate inside the existing ERP workflow, so users continue working in Dynamics 365 BC or Dynamics 365 Finance.
Q: What is the difference between integrated and embedded payments?
A: Integrated payments move data between separate systems. Embedded payments take place within the ERP workflow without requiring payment files, portal switching, or a second finance interface.
Q: What does Yavrio provide within the combined solution?
A: Yavrio provides bank connectivity, live bank feeds, domestic payment execution, embedded card collections, and automated reconciliation inside Dynamics 365 BC and Dynamics 365 Finance.
Q: Does the entire embedded payments transformation have to happen at once?
A: No. The recommended approach introduces bank connectivity, domestic payments, card collections, and global payments in separate phases.
Explore the Complete Embedded Payments Model for Dynamics 365 BC and Dynamics 365 Finance
Review the seven-step payment workflow, benchmark your organization against the five-level maturity model, and explore the phased route from fragmented finance processes to Embedded Payments for domestic and global transactions.
Download the full white paper, “Your ERP Runs Your Business. Why Doesn't It Run Your Vendor Payments?”
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