More Than ACH: What Mekorma Payment Hub Adds to Business Central

For Accounts Payable teams, getting payments out the door quickly has a real impact. It keeps vendors happy, clears your queue, and boosts the odds of earning early payment discounts. Digital payments like ACH (also called Electronic Funds Transfers or EFTs) help make that possible. 

If you’re already using ACH in Microsoft Dynamics 365 Business Central, you’re off to a strong start. For some organizations, handling the ACH processes works well, and if that’s you, that’s a win. 

But if that’s not you, you’re in good company.  

For many organizations, the “manual” side of ACH gets in the way. Uploading files to the bank, maintaining vendor details and preferences in spreadsheets, and sending emails to gather routing details can take away too much time and bandwidth from their AP team.  

That’s where the Mekorma Payment Hub comes in. In this blog, we’ll explore how our solution goes beyond basic ACH capabilities. With additional tools like Remote Payment Services, Vendor Validation, and the Action Board, we’re making life easier for Accounts Payable teams, especially those who are ready to move forward but may be held back by time, resources, or process complexity. 

First, what is ACH?  

ACH payments are a secure, electronic payment method that allows businesses to transfer funds directly to vendor bank accounts. It’s faster than paper checks, more secure, and generally cheaper, making it a go-to choice for organizations looking to future-proof their payments. 

ACH is part of a range of out-of-the-box solutions you can configure for Microsoft Dynamics 365 Business Central, making it a good option for AP teams already using BC.  

However, ACH alone has its limitations: 

• Setting up vendors for ACH requires time and effort.

• Managing payment preferences (check, ACH, credit card) can be cumbersome.

• ACH doesn’t come with built-in tools for streamlining approvals or automating payment workflows. 

The relatively heavy manual lift of ACH can leave some AP teams feeling unable to move forward and stuck doing what they’ve always done, printing checks.  

ACH is a great start, but it’s only part of the picture. 

For organizations that haven’t yet adopted digital payments, hesitation is often more about team capacity than anything else, with vendor onboarding being a key sticking point. 

Clearly, Today's AP Needs More Than Just ACH 

Even if you are happy with your ACH in Business Central, the Mekorma Payment Hub can be a game changer. It helps you streamline payment workflows, reduce fraud and compliance risk, and simplify vendor management (all while future-proofing your AP strategy) 

Here’s how: 

• Automated Vendor Compliance Checks: Mekorma Vendor Validation enhances your onboarding process further by easily reducing your risk of fines. From within the Payment Hub, your AP team can schedule regular, automated compliance checks to ensure all vendors are compliant with the IRS and OFAC regulations before sending payments. 

• Enhanced Check Printing: Even in a digital-first world, check printing still matters. Our enhanced check printing tools for Business Central offer out-of-the-box layouts, customizable MICR lines, remittance overflow features, and multi-company support to simplify and speed up your check payments.

• Streamlined Payment Management: The Mekorma Action Board brings your entire payment workflow under one roof, from batch creation to approvals and processing. With centralized visibility and control, you can streamline AP across companies and bank accounts. And coming soon: ACH processing will be fully integrated into the Action Board, making it an even more seamless experience. 

• Minimal Lift, Maximum Impact: With less internal effort, companies can quickly enhance their payment processes, reduce risk, and increase efficiency. 

In addition, adding Mekorma Remote Payment Services to your Payment Hub gives you a shortcut to your electronic payment strategy including: 

• Accelerated Vendor Enablement: When you activate Remote Payment Services within the Mekorma Payment Hub, more than a third of your vendors may be instantly matched to known payment preferences, enabling your team to make electronic payments without delay. 

• Shared Onboarding Workload: For the remaining vendors, Mekorma’s trusted outsourced payment providers lighten the load by helping to determine whether your vendors prefer to be paid by check, ACH, or credit card. This streamlines the vendor onboarding process significantly, saving your team valuable time. 

Many organizations choose Mekorma Remote Payments not because they lack an ACH setup, but because they want a smarter, more flexible way to manage payments. 

Here’s an example from one client: They were running multiple payment batches a day, and their bank was charging $10 per file. With Payment Hub, they gained the freedom to run as many batches as needed, without incurring extra fees. A simple switch that translated into meaningful cost savings. 

Another major incentive? Rebate potential. 

When vendors accept virtual credit card payments, your organization can earn cash rebates without the burden of managing a rebate program manually. You keep your workflows simple and secure while opening the door to cash back. 

Why Choose the Payment Hub over Simple ACH? 

The Mekorma Payment Hub isn’t just about adding features or bringing payments into the cloud. It’s about removing friction and unlocking strategic value in your AP process. 

Whether you’re early in your journey toward ACH adoption or managing a complex mix of payment types, Mekorma helps you advance your AP strategy with smarter tools that won't require you to overhaul your existing processes or learn a new system. 

Ultimately, the Payment Hub offers a smarter, more flexible payment experience that supports your team today and positions your organization for what’s next. 

Ready to streamline your AP process beyond ACH? 
Download your free trial of the Payment Hub today!