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Unify Dynamics 365 & Sage Pay (Opayo): Intelligent Payments & Flawless Finance

Eliminate manual payment processes, accelerate reconciliation, and boost financial accuracy with AI-powered, low-code integration for mid-market efficiency.

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The Challenge

The Cost of Disconnected Financial Operations

Without seamless integration, businesses face a myriad of challenges when managing payments between Dynamics 365 and Sage Pay. Manual processes are not only time-consuming but also prone to errors, leading to significant operational inefficiencies and financial inaccuracies.

  • Manual data entry leads to errors and delays in payment processing.
  • Fragmented payment data hinders accurate financial reporting and reconciliation.
  • Slow refund processing impacts customer satisfaction and operational costs.
  • Lack of real-time visibility into cash flow and payment statuses.
  • Increased risk of non-compliance with PCI DSS and data privacy regulations.
  • Chargeback disputes are difficult to manage without unified transaction data.
Integration Diagram
Solution Illustration
The Solution

AI-Powered, Low-Code Integration for Dynamics 365 & Sage Pay

Our iPaaS solution provides a seamless, intelligent bridge between Microsoft Dynamics 365 and Sage Pay (Opayo), automating critical financial workflows end-to-end. Leverage pre-built, API-first connectors, AI-driven mapping, and a visual low-code interface to achieve real-time payment processing, accurate reconciliation, and enhanced fraud protection.

  • Real-time payment transaction synchronization (authorization, capture, refund)
  • Automated refund and chargeback processing
  • Comprehensive daily settlement reconciliation with anomaly detection
  • Secure payment tokenization for recurring payments (PCI DSS compliant)
  • Customizable workflows for unique business logic
Implementation Timeline

Go live with Dynamics 365 + Sage Pay in as little as 2–4 weeks.

A proven, repeatable implementation approach that minimizes risk while getting your team to value quickly.

1

Access Enabled

Secure connections established to both Dynamics 365 and Sage Pay , with credentials and environments confirmed.

2

Configuration & Mapping

Field mappings, business rules, and workflows configured using visual tools and pre-built templates.

3

Go Live

Launch production-ready integration with monitoring, alerting, and support in place—typically within 2–4 weeks.

Time to Value

2–4 weeks

Typical implementation window from access granted to production go-live for most Dynamics 365 + Sage Pay deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

Guided by Clarity experts with your team involved at key milestones.

Comprehensive Solution Details

  • Real-time payment transaction synchronization (authorization, capture, refund)
  • Automated refund and chargeback processing
  • Comprehensive daily settlement reconciliation with anomaly detection
  • Secure payment tokenization for recurring payments (PCI DSS compliant)
  • Customizable workflows for unique business logic
  • AI-powered fraud detection augmentation and alerting
  • Unified customer view with payment history

Dynamics 365 & Sage Pay: Deep Integration Architecture

Our iPaaS platform facilitates robust, secure, and performant integration between Dynamics 365 (leveraging its Dataverse API) and Sage Pay (Opayo REST APIs). Employing an event-driven model, it ensures real-time data consistency and automates complex financial workflows with unparalleled efficiency.

Data Flow Steps

Connectors: Utilize pre-built, optimized, and API-first connectors designed specifically for Dynamics 365 and Sage Pay, establishing secure communication channels.

Triggers: Configure event-driven triggers. This includes webhooks from Sage Pay (for payment success, refund status, chargeback notifications) and Dataverse events from Dynamics 365 (for new sales order creation, invoice updates, account/contact changes).

Data Mapping & Transformation: Visually design data mappings between disparate schemas using our low-code canvas. AI assistance suggests optimal field mappings and transformations, while custom business logic can be applied via drag-and-drop components or AI-generated script snippets.

Intelligent Validation: Implement AI-powered data validation rules to ensure data consistency, detect anomalies (e.g., unusual transaction amounts), and proactively flag potential errors before data is committed.

Robust Error Handling: Design comprehensive error handling strategies including automatic retries with exponential backoff for transient issues, routing persistent failures to dead-letter queues, and automated alerts to relevant teams.

Deployment & Governance: Deploy integration flows systematically through development, QA, and production environments with full version control and rollback capabilities. Monitor all integrations from a centralized dashboard for performance, errors, and data quality.

Continuous Monitoring: Leverage AI-powered monitoring tools to detect unusual patterns, predict potential issues, and provide actionable insights for ongoing optimization.

Data Touchpoints

Dynamics 365 Sales Order <-> Sage Pay Payment Transaction (vendorTxCode)
Dynamics 365 Invoice <-> Sage Pay Payment Transaction (status, amount)
Dynamics 365 Account/Contact <-> Sage Pay Customer (for payment tokens/fraud)
Dynamics 365 Credit Memo/Payment Transaction <-> Sage Pay Refund
Dynamics 365 General Ledger Account <-> Sage Pay Settlement Batch

"Event Trigger (Sage Pay Webhook / D365 Dataverse Event) --> iPaaS Listener --> Data Extraction --> AI-Assisted Mapping & Transformation --> Intelligent Data Validation --> Target System API Call (D365 / Sage Pay) --> Acknowledge / Update Status --> Robust Error Handling & Monitoring"

Pricing

Simple, transparent pricing for Dynamics 365 + Sage Pay .

Start with a single integration pair and scale as your business grows—without surprise fees or transaction penalties.

Connect™ Plan

Clarity Connect

$595 /mo

Billed annually • Includes one production integration pair

  • Unlimited transactions and API calls within fair-use limits.
  • Visual workflow designer and reusable mapping templates.
  • Monitoring, alerting, and access to Clarity’s support team.
View full pricing & options
Innovative & Robust

How Middleware Integration Works

Benefits of Integrating Dynamics 365

Integrating Dynamics 365 fosters greater efficiency and data accuracy. Automate your critical business processes to deliver consistently outstanding results.

Hover over the steps on the right to see detailed integration points.
Data Mapping

Key Entities & Intelligent Data Mapping

Achieving seamless and accurate data flow requires precise, intelligent mapping between Dynamics 365's comprehensive data model and Sage Pay's payment-centric entities. Our iPaaS, enhanced with AI, simplifies this complex process, ensuring data integrity and consistency across your financial landscape.

Payment Transaction (Sage Pay) <-> Payment Transaction (D365 Custom Entity) / Invoice (D365)

Represents a single payment event processed by Opayo (authorization, capture, refund, void) and its corresponding financial record in Dynamics 365 for reconciliation and ledger postings.

Dynamics 365 Fields

transactionId (Opayo's unique ID) vendorTxCode (Your internal order/invoice ID) amount (Transaction value) currency status (e.g., OK, PENDING, REJECTED) transactionType (e.g., Payment, Refund, Deferred) customerEmail paymentMethod (e.g., VISA, MASTERCARD) cardType createdDate

Sage Pay Fields

transactionid (Custom entity primary key) invoiceid (Lookup to related D365 Invoice) salesorderid (Lookup to related D365 Sales Order) amount transactiontype (e.g., Sales Payment, Refund) status (e.g., Paid, Pending, Failed) paymentprocessorid (Custom field to store Opayo transactionId) customerid (Lookup to D365 Account/Contact)

Mapping Notes

The `vendorTxCode` from Opayo is crucial for cross-referencing with your internal `ordernumber` or `invoicenumber` in Dynamics 365. Opayo's `status` values need careful, often many-to-one, mapping to Dynamics 365's payment statuses (e.g., 'OK' to 'Paid', 'PENDING' to 'Processing'). A custom `Payment Transaction` entity in Dynamics 365 is highly recommended for granular tracking.

Next Steps

See Dynamics 365 + Sage Pay integration in action.

Explore a guided demo, start a sandbox integration, or speak directly with our solution architects about your specific use cases.

Start Free Trial Request Live Demo
Real-World Applications

Integration Use Cases

Explore how the integration behaves in real business scenarios, with clearly defined steps, outcomes, and execution patterns.

eCommerce Order-to-Cash with Automated Payments

Streamline the entire order lifecycle from an eCommerce platform (often integrated with D365) to secure payment processing via Sage Pay (Opayo), and finally to accurate financial posting in Dynamics 365 Finance. This ensures real-time order status updates and seamless customer payment experiences.

Integration Steps:

  1. 0 Customer places order on eCommerce platform.
  2. 1 Sales Order created in Dynamics 365 Sales/Commerce.
  3. 2 iPaaS triggers payment initiation via Sage Pay (Opayo) using order details.
  4. 3 Sage Pay processes payment and sends real-time status update via webhook to iPaaS.
  5. 4 iPaaS updates Dynamics 365 Sales Order status, creates a custom Payment Transaction record, and generates an Invoice.
  6. 5 Financial postings are automatically made to Dynamics 365 General Ledger accounts.

Business Outcome

Faster order fulfillment, real-time cash flow visibility, reduced manual effort in payment processing, improved customer satisfaction with instant order confirmations.

Frequency

Real-time (event-driven)

Business Value

Key Integration Benefits

Discover the strategic advantages and business value of seamless integration between your systems.

Automated Order-to-Cash Cycle
Achieve real-time payment processing and instant order status updates in Dynamics 365 upon successful Sage Pay transactions, accelerating revenue recognition.
Accelerated Financial Reconciliation
Automatically match Opayo settlement reports with Dynamics 365 ledger entries and invoices, significantly reducing manual effort and speeding up month-end close.
Enhanced Data Accuracy & Compliance
Eliminate manual data entry errors and ensure strict PCI DSS compliance through secure tokenization and tightly controlled, encrypted data flow.
Improved Cash Flow Visibility
Gain real-time insights into payment statuses, refunds, and daily settlements, enabling better financial forecasting, liquidity management, and strategic decision-making.
Proactive Fraud Detection
Augment Sage Pay's fraud tools with AI-driven anomaly detection to identify unusual payment patterns and potential fraud in real-time, reducing financial risk and chargebacks.
Empowered Business Users
The low-code/no-code platform allows finance and operations teams to customize and manage workflows independently, reducing reliance on IT and accelerating process improvements.
Scalable & Future-Proof Operations
A robust, cloud-native iPaaS architecture supports growing transaction volumes and easily adapts to new business requirements, payment methods, or system updates without downtime.
✨

Automated Order-to-Cash Cycle

80% Faster Order Processing

📋 What You Get

Achieve real-time payment processing and instant order status updates in Dynamics 365 upon successful Sage Pay transactions, accelerating revenue recognition.

💼 Business Impact

This benefit directly contributes to 80% improvement in Faster Order Processing, enabling your team to focus on high-value strategic initiatives.

Technical Documentation

API Endpoints & Data Logic

Technical details for developers and architects.

Method Endpoint Purpose
GET/POST/PATCH /api/data/v9.x/salesorders Manage customer sales orders in Dynamics 365 Sales/Commerce. Used for creating new orders from eCommerce, updating statuses post-payment, or retrieving order details.
GET/POST/PATCH /api/data/v9.x/invoices Manage customer invoices in Dynamics 365 Finance. Essential for automating billing and payment reconciliation processes, often generated from sales orders.
GET/POST/PATCH /api/data/v9.x/accounts Manage customer accounts in Dynamics 365 Sales/CRM. Used for creating new accounts, updating existing ones, or retrieving account details for payment processing.
GET/POST/PATCH /api/data/v9.x/contacts Manage individual contacts in Dynamics 365. Used for synchronizing customer details for payment processing and personalized communication.
GET/POST/PATCH /api/data/v9.x/{custompaymenttransaction_entity} A custom entity often used to track granular payment gateway transactions and their statuses within Dynamics 365, linking to invoices and sales orders.
GET /api/data/v9.x/msdyn_inventoryonhands Retrieve real-time inventory on-hand data from Dynamics 365 Supply Chain Management. Can be used for pre-payment checks or order fulfillment updates.

⚡ Transformation Logic

  • Currency Conversion: Automatically handle multi-currency transactions, ensuring accurate conversion rates and consistency between systems for financial reporting.
  • Status Mapping: Translate Opayo-specific transaction `status` values (e.g., 'OK', 'PENDING', 'REJECTED') to corresponding Dynamics 365 `statuscode` values (e.g., 'Paid', 'Processing', 'Failed').
  • Address Parsing: Convert Dynamics 365's composite address fields (`billtocomposite`, `shiptocomposite`) into granular, structured components (street, city, postcode, country) as required by Sage Pay.
  • Data Enrichment: Enhance Opayo transaction requests with additional customer details from Dynamics 365 (e.g., customer account status, loyalty tier) to aid in fraud screening or personalized offers.
  • Date/Time Formatting: Standardize date and time formats between systems to ensure accurate chronological sequencing of transactions.

🛡️ Error Handling

  • Network timeouts or connectivity issues between iPaaS and either API endpoint.
  • Invalid API keys or expired authentication tokens.
  • Data validation failures (e.g., incorrect currency format, missing mandatory fields).
  • Duplicate transaction IDs or attempts to refund an already refunded transaction.
  • Insufficient funds errors from Sage Pay.
  • Dynamics 365 service protection limits being hit during high-volume operations.
  • Mismatched customer IDs preventing successful record updates.
Support & Information

Frequently Asked Questions

Common questions about integration implementation, security, and best practices.

General Benefits FAQs

▸ What is the benefit of integrating Dynamics 365 with Sage Pay (Opayo)?
Integrating Dynamics 365 with Sage Pay (Opayo) automates your entire order-to-cash cycle, streamlines refund processing, accelerates financial reconciliation, and ensures real-time payment status updates directly within your ERP. This eliminates manual data entry, drastically reduces errors, and significantly improves operational efficiency, cash flow visibility, and customer satisfaction.

AI Capabilities FAQs

▸ How does AI enhance this integration?
AI significantly enhances the integration by providing intelligent assistance for data mapping (auto-suggesting fields), real-time anomaly detection in transactions for fraud prevention, automated suggestions for error resolution, and predictive insights for financial forecasting. It transforms standard automated workflows into truly autonomous, self-optimizing processes, reducing manual oversight.

Low-Code/No-Code FAQs

▸ Can I use low-code tools to customize the integration workflows?
Absolutely. Our iPaaS offers extensive low-code/no-code capabilities, empowering business analysts, finance teams, and citizen integrators to visually design, customize, and manage complex integration workflows between Dynamics 365 and Sage Pay without needing deep technical coding expertise. This accelerates deployment, reduces IT backlog, and allows for agile adaptation to changing business needs.

Security & Compliance FAQs

▸ How is PCI DSS compliance handled in this integration?
We prioritize PCI DSS compliance by leveraging Sage Pay's robust tokenization services and hosted payment pages. This ensures that sensitive cardholder data never touches or is stored directly within your internal systems, significantly minimizing your PCI DSS scope. All data in transit is encrypted with TLS 1.2+, and access to credentials is strictly controlled through a secrets manager with IP whitelisting.

Challenges & Solutions FAQs

▸ What are the common challenges when integrating Sage Pay with Dynamics 365 Finance?
Common challenges include ensuring real-time payment status synchronization, accurate reconciliation of Sage Pay settlements with Dynamics 365 General Ledger accounts, handling multi-currency transactions, consistently managing refunds and chargebacks across systems, and maintaining performance under high transaction volumes. Our iPaaS provides robust features like data validation, automated reconciliation logic, and intelligent throttling to effectively address these complexities.

Technical Details FAQs

▸ How do you manage API rate limits for Dynamics 365 and Sage Pay?
Our iPaaS employs intelligent strategies to manage API rate limits for both Dynamics 365 (Service Protection API Limits) and Sage Pay. This includes message queuing to buffer requests, dynamic throttling with exponential backoff for retries, and strategic batching of operations. These measures ensure smooth, uninterrupted data flow even during peak transaction volumes, preventing API errors and service degradation.

Error Handling FAQs

▸ What happens if a payment transaction fails during the integration?
Our integration includes robust, multi-tiered error handling: failed transactions are logged in detail for auditing, transient errors trigger automatic retries with exponential backoff, and persistently failing messages are routed to a 'dead-letter queue' for manual review and reprocessing. Automated alerts notify relevant teams immediately of critical failures, and AI can suggest potential corrective actions.

Advanced Features FAQs

▸ Can this integration support subscription billing and recurring payments?
Yes. By leveraging Sage Pay's payment tokenization capabilities, the integration securely stores payment tokens (not raw card data) in relation to customer profiles in Dynamics 365. This enables automated recurring payments for subscription services and one-click checkouts, all while maintaining strict PCI DSS compliance and providing a seamless customer experience.
Pricing

Simple, transparent pricing for Dynamics 365 + Sage Pay .

Start with a single integration pair and scale as your business grows—without surprise fees or transaction penalties.

Connect™ Plan

Clarity Connect

$599 /mo

Billed annually • Includes one production integration pair

  • Unlimited transactions and API calls within fair-use limits.
  • Visual workflow designer and reusable mapping templates.
  • Monitoring, alerting, and access to Clarity’s support team.
View full pricing & options
Next Steps

See Dynamics 365 + Sage Pay integration in action.

Explore a guided demo, start a sandbox integration, or speak directly with our solution architects about your specific use cases.

Start Free Trial Request Live Demo