If you’ve been in the Microsoft Dynamics space for any length of time, you know that payments are rarely as simple as they seem. Partial shipments, deposits, cards on file, e-commerce portals that need to talk to your ERP — the complexity adds up fast. That’s exactly the problem PayTrace was built to solve.
Rick sat down with Jeremy Boogaart, Head of Product at PayTrace, to talk about where B2B payments are headed and what’s coming down the pipeline for Business Central users.
Built for B2B From Day One
Unlike generic payment processors that retrofit B2B features, PayTrace was founded over 20 years ago with a singular focus: solving payment challenges for B2B organizations. That means wholesale distributors, manufacturers, and professional services firms — industries where payment workflows get complicated quickly.
“We’re really focused on enabling some of those complex workflows that B2B distribution has,” Jeremy explained, “with partial shipments and deposits and all the nuances that come with that — storing cards, having multiple cards on file.”
That DNA runs through everything they build.
A Native Business Central Integration — and It’s Getting Deeper
PayTrace’s native Business Central integration is now in its second year, and the team has been putting customer feedback to work. Recent additions include an expanded recurring payments module, more configurability around partial payments and shipments, and new APIs that allow e-commerce platforms to authorize a payment on a portal and capture it later at the point of fulfillment in BC — closing the loop without manual intervention.
The north star, Jeremy says, is automation. “We know that in those industries, automation is really important. Anytime you’re spending extra clicks, not only is there opportunity for error, there’s also just an added cost.”
The goal isn’t just an integration that checks a box — it’s one that can be configured precisely to how each merchant operates, without requiring custom code changes.
AI Is Already in the Mix
When the conversation turned to AI, Jeremy didn’t have to reach for hypotheticals. PayTrace is already using AI in underwriting, fraud detection, and risk monitoring — proactively flagging suspicious transactions and helping merchants stay ahead of exposure. On the operational side, AI is reshaping how they build and deliver software internally as well.
And with Visa’s sweeping CEDP program changes to B2B interchange and corporate card rates, PayTrace is leaning on AI to manage the data complexity that comes with those shifts. “Pretty much everything we do going forward — are there agents or other things we can do to make this process easier for merchants?” Jeremy said. “That stuff has really come along quite a way.”
See Them at Directions North America
If you’re heading to Directions North America in Orlando, PayTrace will be set up right across from the Microsoft booth. Jeremy and Mary Miller will be running a session on Tuesday, April 28 at 2 PM in Celebration 7-8 — worth adding to your schedule if Business Central payments are on your radar.
