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Unify Sage Pay (Opayo) Payments with Microsoft Dynamics NAV: Intelligent Financial Automation

Streamline your order-to-cash cycle, automate reconciliation, and gain real-time financial visibility with a powerful, AI-enhanced integration platform.

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The Challenge

The Disconnected Payment-to-ERP Challenge

In today's fast-paced business environment, manual processes linking your payment gateway (Sage Pay/Opayo) with your ERP (Microsoft Dynamics NAV) lead to inefficiencies, errors, and delayed financial insights. This disconnect creates significant operational and financial pain points.

  • Manual data entry of payment transactions into Dynamics NAV.
  • Time-consuming daily, weekly, or monthly payment reconciliation.
  • Delayed visibility into cash flow and payment statuses.
  • Errors in financial reporting due to data discrepancies.
  • Slow and complex refund processing workflows.
  • Increased risk of fraud and chargebacks without centralized monitoring.
  • Difficulty in tracking customer payment history accurately across systems.
Integration Diagram
Solution Illustration
The Solution

Intelligent Integration: Sage Pay (Opayo) & Dynamics NAV with iPaaS

Our AI-powered iPaaS solution provides a seamless, automated bridge between Sage Pay (Opayo) and Microsoft Dynamics NAV. It's designed to eliminate manual data entry, accelerate financial workflows, and deliver real-time insights, transforming your payment and ERP operations from reactive to proactive.

  • Real-time, event-driven payment synchronization (Opayo to NAV)
  • Automated daily settlement report processing and reconciliation
  • Streamlined refund and chargeback management
  • Centralized monitoring and error handling for all transactions
  • Flexible, low-code workflow design and customization
Implementation Timeline

Go live with Sage Pay + Microsoft Dynamics NAV 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 Sage Pay and Microsoft Dynamics NAV, 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 Sage Pay + Microsoft Dynamics NAV 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, event-driven payment synchronization (Opayo to NAV)
  • Automated daily settlement report processing and reconciliation
  • Streamlined refund and chargeback management
  • Centralized monitoring and error handling for all transactions
  • Flexible, low-code workflow design and customization
  • AI-driven fraud detection and anomaly alerting
  • Robust security and PCI DSS compliance

Robust Integration Architecture: iPaaS as the Intelligent Hub

The integration architecture centers around a modern iPaaS (Integration Platform as a Service) acting as the secure, scalable, and intelligent hub connecting Sage Pay (Opayo) and Microsoft Dynamics NAV. This avoids fragile point-to-point integrations, providing a resilient and observable ecosystem.

Data Flow Steps

Event-Driven Architecture: Utilizing Opayo webhooks to trigger real-time workflows in the iPaaS, minimizing polling and latency.

Canonical Data Model: Defining a standardized enterprise data model within the iPaaS for common entities (e.g., Payment, Order, Customer) to simplify data mapping and future integrations.

Message Queuing: For high-volume or asynchronous operations, messages are buffered in queues to ensure reliable delivery and decouple systems.

Idempotent Operations: Designing integration steps to safely handle duplicate messages or retries without creating duplicate records in NAV.

Microservices Approach (for iPaaS flows): Breaking down complex integration logic into smaller, manageable, and reusable workflows.

Data Touchpoints

iPaaS Platform: Centralized orchestration engine with connectors for Opayo and Dynamics NAV.
Opayo Connector: Handles API authentication, requests, responses, and webhook consumption.
Dynamics NAV Connector: Manages OData/SOAP web service interactions, authentication, and data mapping.
Transformation Engine: Within iPaaS, performs data mapping, schema normalization, and business logic application.
Workflow Engine: Manages sequence, retries, error handling, and conditional logic for integration flows.
Monitoring & Alerting: Centralized dashboard for real-time visibility and proactive issue detection.
Secrets Management: Secure storage for API keys and credentials (e.g., AWS Secrets Manager, Azure Key Vault).
AI Services: (Optional) External or embedded AI for fraud detection, reconciliation anomaly detection, or predictive analytics.

"Conceptual diagram showing Opayo (External Payment Gateway) -> iPaaS (Orchestration Layer with AI, Connectors, Transformation) -> Microsoft Dynamics NAV (ERP Core). Webhooks flow from Opayo to iPaaS. API calls from iPaaS to Opayo and NAV."

Pricing

Simple, transparent pricing for Sage Pay + Microsoft Dynamics NAV.

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 Sage Pay

Integrating Sage Pay 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

Data Entity Mapping

Explore how data flows between systems with intelligent field mapping and transformation logic.

Payment Transaction / General Ledger Entry

Synchronizing payment events from Opayo with financial records in Dynamics NAV is core to accurate accounting and reconciliation.

Sage Pay Fields

transactionId (Opayo) vendorTxCode (Opayo - often your internal Order ID) amount currency status transactionType customerEmail paymentMethod cardType createdDate

Microsoft Dynamics NAV Fields

Entry No. (NAV) G/L Account No. Posting Date Document No. (e.g., Opayo transactionId) Description Amount External Document No. (for cross-referencing)

Mapping Notes

Map Opayo's `transactionId` and `vendorTxCode` to distinct fields in NAV (e.g., `Document No.`, `External Document No.`) for traceability. Opayo's `status` must be mapped to appropriate NAV payment statuses. `amount` and `currency` require precise mapping to NAV's financial fields. AI can suggest optimal G/L Account mappings based on transaction type and historical data.

Next Steps

See Sage Pay + Microsoft Dynamics NAV 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 Automation

Orchestrate the complete order lifecycle from an eCommerce platform through Sage Pay (Opayo) for payment processing, and seamlessly into Dynamics NAV for order fulfillment, inventory updates, and financial posting. This ensures real-time updates and data consistency across all systems.

Integration Steps:

  1. 0 Customer places order on eCommerce site.
  2. 1 Opayo processes payment in real-time.
  3. 2 iPaaS captures successful payment event via webhook.
  4. 3 New Sales Order and Customer (if new) are created/updated in Dynamics NAV.
  5. 4 Payment Transaction details are posted to General Ledger in NAV, linked to the Sales Order.
  6. 5 Order status in eCommerce platform is updated.

Business Outcome

Accelerated order processing, real-time inventory and financial updates, reduced manual data entry, improved customer experience.

Frequency

Real-time, event-driven

Business Value

Key Integration Benefits

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

Accelerated Financial Close
Automate daily settlement reconciliation and real-time payment posting, significantly reducing manual effort and speeding up your month-end close process.
Enhanced Data Accuracy
Eliminate manual data entry errors and ensure real-time consistency between Opayo payment data and Dynamics NAV financial records, leading to reliable reporting.
Reduced Fraud & Chargebacks
Leverage AI-augmented fraud detection and proactive alerting to identify suspicious transactions, minimizing financial losses and costly chargebacks.
Streamlined Operations
Automate routine tasks like payment posting, refund processing, and customer updates, freeing up your finance and operations teams for strategic initiatives.
Real-time Cash Flow Visibility
Gain immediate insights into incoming payments and outgoing refunds, enabling better cash flow management and more accurate financial forecasting within Dynamics NAV.
PCI DSS Compliance & Security
Minimize your PCI scope by leveraging Opayo's tokenization and ensuring all sensitive payment data is handled securely, with encryption and strict access controls.
Improved Customer Experience
Faster order processing, quicker refunds, and accurate payment status updates lead to happier customers and enhanced loyalty.
✨

Accelerated Financial Close

70% Faster Reconciliation

📋 What You Get

Automate daily settlement reconciliation and real-time payment posting, significantly reducing manual effort and speeding up your month-end close process.

💼 Business Impact

This benefit directly contributes to 70% improvement in Faster Reconciliation, enabling your team to focus on high-value strategic initiatives.

Implementation Timeline

Go live with Sage Pay + Microsoft Dynamics NAV 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 Sage Pay and Microsoft Dynamics NAV, 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 Sage Pay + Microsoft Dynamics NAV deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

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

Technical Documentation

API Endpoints & Data Logic

Technical details for developers and architects.

Method Endpoint Purpose

⚡ Transformation Logic

  • Status Mapping: Opayo transaction statuses (e.g., 'OK', 'PENDING', 'REJECTED') are mapped to corresponding, granular payment statuses within Dynamics NAV.
  • Currency Conversion: If multi-currency operations are present, amounts are converted to NAV's base currency, or transactions are posted in their original currency with appropriate exchange rates.
  • G/L Account Determination: Business rules or AI-driven logic determine the correct General Ledger accounts in NAV for different transaction types (sales, refunds, fees, chargebacks).
  • Customer Deduplication: Logic to identify existing customers in NAV based on email, name, or external ID, preventing duplicate record creation.
  • Address Standardization: Billing and shipping addresses from Opayo are normalized to match NAV's address format requirements.

🛡️ Error Handling

  • Opayo API unavailability leading to failed payment initiation.
  • Dynamics NAV web service timeout during Sales Order creation.
  • Invalid G/L account specified for a transaction in NAV.
  • Duplicate transaction ID received from Opayo (e.g., due to webhook retry).
  • Network latency causing delayed transaction status updates.
Pricing

Simple, transparent pricing for Sage Pay + Microsoft Dynamics NAV.

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
Support & Information

Frequently Asked Questions

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

General FAQs

▸ What is Sage Pay and how does it relate to Opayo by Elavon?
Sage Pay was a prominent payment gateway in the UK and Ireland, acquired by Elavon in 2020 and rebranded as Opayo. It continues to provide secure payment processing services, now backed by Elavon's global infrastructure. When we refer to Sage Pay integration, we are discussing integration with Opayo by Elavon.

Benefits FAQs

▸ Why should I integrate Sage Pay (Opayo) with Microsoft Dynamics NAV using an iPaaS platform?
An iPaaS centralizes your integration efforts, provides a single dashboard for monitoring, enables low-code/no-code automation, ensures real-time data harmonization across Opayo and NAV, and allows for sophisticated workflow orchestration. This reduces manual effort, improves data accuracy, and enhances scalability for your financial operations.

Workflows FAQs

▸ Can I automate payment reconciliation between Opayo and Dynamics NAV?
Absolutely. An iPaaS can automatically download Opayo's daily settlement reports, parse the data, and match it against transactions recorded in your Dynamics NAV General Ledger and bank statements. Discrepancies can be flagged for review or automatically adjusted, significantly speeding up your financial close process and reducing manual errors.

AI Capabilities FAQs

▸ How does AI enhance Opayo and Dynamics NAV integrations?
AI augments integrations by providing intelligent fraud detection for Opayo transactions, automated mapping suggestions in your iPaaS, predictive analytics for cash flow and demand forecasting (using NAV data), and smart routing of payment exceptions. This leads to higher data quality, reduced manual intervention, and proactive risk management.

Security FAQs

▸ Is Sage Pay (Opayo) integration PCI DSS compliant?
Yes, Opayo is a PCI DSS Level 1 compliant service provider. When integrating, it's crucial to ensure your own systems and integration methods also adhere to PCI DSS. Using Opayo's hosted payment pages or tokenization services is a key strategy to minimize your own PCI scope by avoiding direct handling of sensitive card data.

Challenges & Solutions FAQs

▸ What are common challenges when integrating Opayo with Dynamics NAV and how are they solved?
Common challenges include ensuring real-time data synchronization, accurate mapping of transaction statuses and financial codes, managing refunds and chargebacks consistently, and handling high transaction volumes. A modern iPaaS addresses these by providing robust connectors, visual mapping tools, error handling, and scalable architecture.

Customization FAQs

▸ Can I customize the integration to fit my specific business rules in Dynamics NAV?
Yes, an iPaaS offers extensive customization capabilities. You can define custom data mappings, implement complex business logic using a low-code rules engine, and extend workflows to include specific validation steps or conditional routing, all without extensive coding. This ensures the integration perfectly aligns with your unique operational requirements.

Technical FAQs

▸ What kind of APIs does Opayo offer for integration with Dynamics NAV?
Opayo provides comprehensive RESTful APIs for processing payments, managing transactions (authorizations, captures, refunds, voids), creating payment tokens, and accessing reporting data. These APIs are highly flexible and well-suited for integration with modern iPaaS platforms that then connect to Dynamics NAV's OData or SOAP web services.
Implementation Timeline

Go live with Sage Pay + Microsoft Dynamics NAV 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 Sage Pay and Microsoft Dynamics NAV, 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 Sage Pay + Microsoft Dynamics NAV deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

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

Pricing

Simple, transparent pricing for Sage Pay + Microsoft Dynamics NAV.

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
Next Steps

See Sage Pay + Microsoft Dynamics NAV 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