In today’s enterprise landscape, the pressure on Accounts Receivable (AR) teams is growing. Businesses are expected to deliver fast, seamless, and secure payment experiences—while maintaining airtight compliance with financial regulations. For companies running on Microsoft Dynamics 365 Finance and Operations, the stakes are even higher. Many struggle to manage diverse customer payment methods, streamline cash application, and meet global compliance standards—all while navigating complex ERP configurations. 

To stay competitive and reduce overhead, enterprise finance teams need more than just visibility. They need automation. They need secure, integrated payment tools. And they need solutions that work within D365 Finance, not outside of it. 

SKsoft’s embedded solutions—including Direct Debit, Lockbox, Payment Remitance, and Credit card solutions, are purpose-built to help enterprises modernize AR and securely collect customer payments. These tools remove manual friction, enforce compliance, and ultimately improve cash flow predictability. 

The AR Challenge in Enterprise Environments 

Despite the sophistication of D365 F&O, many organizations still rely on manual or semi-automated processes to handle inbound payments. This creates a cascade of issues: 
  • Payment remittances are manually reconciled, increasing the risk of mismatches and data entry errors. 
  • Finance teams must juggle multiple payment types—ACH, wire, credit card, direct debit—all while maintaining strict data security protocols. 
  • Matching payments to the correct customer invoices is time-consuming, especially when remittance details are incomplete, inconsistent, or disconnected from the payment. 
  • International mandates like the Single Euro Payments Area (SEPA) and domestic standards like the National Automated Clearing House Association (NACHA) require unique formatting and validation for direct debits. 
  • Building and updating these bank-specific file formats adds technical overhead and compliance risk. 
  • Customers increasingly expect fast, flexible, and self-service payment options—particularly via online portals or card-based payments. 
  • Achieving Payment Card Industry (PCI) compliance requires not just encryption, but thoughtful architecture and secure transmission methods—something not all payment tools provide. 

In short, without automation, AR teams are forced to operate reactively—managing problems after they occur rather than preventing them. 

Embedded Solutions That Drive Efficiency 

To eliminate bottlenecks and reduce AR overhead, SKsoft offers a suite of embedded tools that operate natively within D365 Finance: 

Advanced Cash Application 

Automate the matching of incoming payments to open invoices. Our solution uses lockbox or customer payment files to quickly and accurately apply payments, even when references are incomplete or customers short-pay. This reduces the manual labor required to apply cash quickly and leads to faster closing cycles. 

AR Direct Debit with Mandate Automation 

For companies that have the privilege to directly debit their customers’ accounts our Direct Debit solution unlocks a powerful way to streamline collections and improve cash flow. The solution allows you to pull funds from a customer’s account when invoices are due—automatically.This also helps automate the mandate lifecycle (creation, approval, registration). 

Credit Card Processing (PCI-Compliant) 

SKsoft’s Credit Card Advantage solution enables secure, real-time card transactions directly within D365 Finance. The customer’s credit card number is tokenized and processed via PCI-compliant infrastructure, reducing the burden on your IT team and removing the need to store sensitive data. 

ePay Advantage 

Offer your customers a secure, branded payment portal where they can view invoices, submit payments, and manage payment methods. ePay Advantage integrates with your ERP, updates AR data in real time, and helps reduce the volume of manual inquiries your team handles every day. 

Automating Cash Application: From Lockbox to Ledger 

One of the most time-consuming tasks for any AR team is applying payments to open invoices. This gets even more complicated when payments don’t match the exact amount due or when deductions are involved. 

SKsoft’s Advanced Cash Application solution removes this friction: 
  • Automatically imports lockbox files and other customer payment files such as CSV, BAI2, and fixed field formats 
  • Uses configurable logic to match payments to invoices using references, amounts, or customer metadata. 
  • Handles partial payments, short pays, and multi-invoice payments intelligently. 
  • Posts write-offs or deductions automatically when thresholds are met. 
  • Can scan customer-emailed remit advices and use that information for invoice matching. 

The result: faster reconciliations, fewer errors, and dramatically reduced manual work. Finance teams spend less time combing through statements and more time focusing on strategic analysis and exception handling.  

Simplifying Direct Debit and Mandate Management 

For companies with recurring billing or predictable receivables, direct debit is a powerful tool. But building compliant workflows for collecting funds from customer accounts isn’t simple—especially across geographies. 

SKsoft’s AR Direct Debit and Mandate Automation solution: 
  • Supports SEPA (Europe), NACHA (U.S.), and other pre-built, bank-specific file formats out of the box for direct debit – no custom coding needed.. 
  • Helps automate the mandate lifecycle, from request to customer authorization to registration. 
  • Securely automates the process of getting the direct debit transactions to the bank through processing bank responses to those transactions, avoiding risk or fraudulent activity.  

The result: proactive versus reactive payment collection, more predictable cash inflows, reduced days sales outstanding (DSO), and elimination of delays caused by late-paying customers. 

Credit Card Processing in Dynamics 365 

Managing credit card transactions within Dynamics 365 Finance & Operations has traditionally been cumbersome, requiring manual intervention, external systems, and significant compliance overhead. SKsoft’s solution streamlines this process by embedding credit card functionality directly into D365, empowering businesses to handle payments with greater efficiency, security, and flexibility. 
  • Send secure payment links that allow customers to enter their own card details, keeping internal staff and systems out of PCI compliance scope. 
  • Capture and apply payments on existing invoices within the payment journal, bulk process transactions for recurring billing, or authorize payments at configurable steps in the sales order process  
  • Accept prepayments on sales orders via credit card, with invoices automatically settled to the card payment once posted. 

The result: organizations can reduce compliance risk, accelerate cash flow, and improve the customer experience. By removing manual steps and embedding payments directly into D365, finance teams gain more control and visibility, while customers benefit from faster, easier, and more secure transactions.  

Customer Empowerment Through Self-Service 

Self-service is no longer a luxury—it’s an expectation. Customers want to manage their payments on their own time, from any device. SKsoft’s ePay Advantage portal makes this possible: 
  • Customers can log in securely, view current and past invoices, and submit payments instantly. 
  • Saved payment methods reduce friction for repeat payments. 
  • Real-time ERP integration ensures all payments are applied instantly and accurately. 

The result: this shift reduces the need for AR support tickets, lowers the cost of collections, and shortens the payment lifecycle. Your finance team becomes more efficient, and your customers stay happy. 

Real Results: Thruline Marketing’s AR Transformation 

Thruline Marketing implemented SKsoft’s Treasury Automation Suite to enhance their AR automation and improve their inbound payment process. They achieved: 
  • Reduced employee headcount by two full-time employees, which enabled them to reallocate those resources to more value-add activities. 
  • Touchless credit card processing fully eliminated the need to handle credit card payments, increasing efficiency and reducing the risk of a security breach. 
  • The increases in efficiency from Treasury Automation Suite expedited the payment process, allowing Thruline to close their books faster. 

With streamlined cash application, secure customer payments, and reduced operational overhead, Thruline’s finance team is now equipped for scale. 

Turning AR Into a Strategic Advantage 

Accounts Receivable shouldn’t be a bottleneck. With the right tools embedded directly into Microsoft Dynamics 365 Finance & Operations, business can handle these processes smoothly. Equipped with the right tools, they can apply payments faster and more accurately, collect funds via automated direct debits, offer secure and compliant credit card transactions, and empower customers with modern self-service payment options.  

SKsoft’s AR automation solutions—including Advanced Cash Application, AR Direct Debit, Mandate Automation, Credit Card Advantage, and ePay Advantage—are engineered to transform AR into a strategic asset. 

Ready to modernize your inbound payment process? 
Explore SKsoft’s embedded solutions to unlock faster cash flow, stronger compliance, and a better customer experience—right from inside D365 Finance. Book a demo here.  

About SKsoft 

For 25+ years, SKsoft has pioneered the development of embedded banking and treasury automation software and continues to be a leader in the Microsoft Dynamics 365 channel.     

SKsoft is a premier Microsoft Dynamics ISV, providing solutions and expertise in Banking and Treasury Automation for Microsoft Dynamics 365 Finance and Supply Chain, and Business Central. In addition to embedded software in D365, SKsoft deploys and maintains BankFabric, an application built by developers at SKsoft to provide seamless banking connectivity, so that customers can securely store and transfer files to and from the ERP and their bank.