• Michael Intravartolo

The Difference Between ChargeLogic and Online Payment Services for Microsoft Dynamics NAV



Recently, we’ve been asked the question, “How does ChargeLogic differ from Online Payment Services for Microsoft Dynamics NAV?” When Microsoft launched their Online Services a few years ago, we published a feature comparison chart which you can review to see a line by line assessment of the two applications. Besides features, there are three distinct differences between ChargeLogic Payments and Online Payment Services for Microsoft Dynamics NAV.

1. Direct Connection to the Payment Processor. If you are using a payment application for Dynamics NAV other than ChargeLogic Payments to process credit cards, then you are likely using a gateway and a payment processor. According to our research, Online Payment Services for Microsoft Dynamics NAV uses a gateway to connect to payment processors. By using a gateway, you are paying a fee to the gateway and a fee to the payment processor for every transaction. ChargeLogic Payments connects directly to payment processors, eliminating the need to use a gateway (although you can connect to a gateway using ChargeLogic Payments if you want to). Connecting directly to the payment processor can lower your transaction fees.

2. Downgrades. ChargeLogic Payments has functionality that helps to minimize downgraded transactions, which cost you a higher rate than what you’ve negotiated with your payment processor. Transactions can be downgraded for a lot of reasons: not performing address verification, not processing level 2 & 3 data, too much time between the initial authorization and charging the card, partial shipment due to backorders, etc. You run a high risk of downgraded transactions by using Online Payment Services for Microsoft Dynamics NAV. Downgraded transaction fees can result in thousands of dollars a year.

3. PCI-Validated. The PCI Security Standards Council lists validated payment applications on their website. A validated payment application has been assessed by a Qualified Security Assessors to determine that the application meets the standards of the council. If you visit this website: https://www.pcisecuritystandards.org/approved_companies_providers/vpa_agreement.php and click the accept button, you can search all validated payment applications. Both Visa and MasterCard have mandated that merchants use applications from this list. ChargeLogic appears on this list, but we are unable to find another payment application for Dynamics NAV on this list, including Online Payment Services for Microsoft Dynamics NAV. If you are using a credit card processing software for Microsoft Dynamics NAV that is not validated, you may have difficulty getting a merchant account from your bank, or you may face challenges when undergoing a PCI audit. While using ChargeLogic Payments does not make a company PCI compliant, it does address several elements in a PCI audit.

Credit card processing for Microsoft Dynamics is our core focus, so we put all of our energy into making our software and services have automated features that make processing payments a secure, streamlined part of your business. The differences between ChargeLogic Payments and other credit card processing software for Microsoft Dynamics NAV will vary, but the three key points we’ve identified above appear to be the constant. If you’d like to learn more about ChargeLogic Payments or any of our software and services, please register for one of the webinars listed on our Events page.


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