Bank Gateway

Stop downloading and uploading bank files. Bank Gateway connects Business Central directly to your bank via secure API — send payments, receive statements, auto-match incoming payments to customers and vendors, and audit every API call.

How It Works

Mutual TLS (mTLS) certificate authentication between Business Central and your bank. No middleware, no Azure Functions, no third-party services.

Send Payments Directly

Click Send to Bank on Payment Journal lines — Bank Gateway generates SEPA Credit Transfer (pain.001) XML, validates company data, SWIFT, recipient IBAN and amount, and submits to the bank API. Live status on the journal line: Accepted (ACTC), Settled (ACSC), or Rejected (RJCT). Validation errors appear in a FactBox before submission.

Receive Statements Automatically

End-of-day statements (camt.053) and intraday reports (camt.052) imported via API into Bank Account Reconciliation or the Payment Reconciliation Journal. Schedule the batch fetch report via Job Queue for unattended daily import across all gateway-enabled accounts.

Automatic Payment Application

Bank Gateway extends Business Central's standard matcher with a four-tier IBAN- and history-based proposal engine. Unmatched lines are tagged with a likely Customer, Vendor, or Employee, and the reason is shown in the Match Details FactBox so you can review before posting.

1. IBAN history — past payments from the same sender IBAN (Medium confidence)
2. Master-data IBAN — IBAN registered on a Customer/Vendor/Employee (Medium)
3. Sender name history — past payments with the same Related-Party Name (Low)
4. Description history — similar transaction text (Low)

Posting stays manual — Bank Gateway proposes the party, you confirm. Per-bank toggle.

Security & Audit

Transport certificate stored encrypted in IsolatedStorage (per-company), 30-day expiry warning on the Bank Account Card, and a Sandbox mode for testing. Every API call logged with HTTP status, duration, and full request/response XML — viewable in the built-in XML viewer.

Supported Banks

Swedbank — fully implemented via Swedbank Gateway (Baltic) for Latvia, Estonia, Lithuania. Statements, payments, intraday.
SEB — fully implemented via SEB Baltic Gateway (BGW) for Latvia, Estonia, Lithuania. Statements, payments, intraday.

Included with Latvian Localization

If you have a JEMEL Latvian Localization license, Bank Gateway is included — install from AppSource and it activates automatically with your existing entitlement.

Getting Started

1. Install Bank Gateway from AppSource
2. Sign an API agreement with your bank, obtain a transport certificate
3. On the Bank Account Card, open the Bank Gateway tab — set Gateway Type, upload certificate, enter API key
4. Click Test Connection to verify

See the documentation for full Swedbank setup including Developer Portal registration.