The Business Central payment agent is one of the major new features introduced by Copilot in version 27.3 for the Spanish localization. Its goal is clear: to automate the reception, reading, and creation of purchase invoices directly from email, without manual intervention.
In this article I explain how it works, what advantages it offers, and why it can completely change the way your company manages suppliers and accounting.
What is the payment agent in Business Central?
The payment agent is an AI agent integrated into Microsoft Dynamics 365 Business Central that uses Copilot, OCR, and process automation to transform PDF invoices received by email into purchase invoices ready to post.
In other words:
You send it a PDF by email and Business Central returns a fully prepared invoice ready to post.
And all of this without anyone having to type data manually.
How does the payment agent work step by step?
It connects to a mailbox
The agent is configured to “listen” to a mailbox, usually:
A shared purchasing mailbox
An account where supplier invoices are received
Every time an email with a PDF arrives, the agent detects it automatically.
It detects and analyzes the invoice with OCR
When a document arrives:
- It identifies that it is an invoice
- Applies intelligent OCR
- Extracts supplier, amount, date, lines, taxes, etc.
This prevents human error and speeds up the process.
Creates a purchase invoice draft
The agent converts the PDF into:
- A draft document
- And then into a draft purchase invoice
Here Copilot:
- Recognizes the supplier if it already exists
- Assigns accounting accounts
- Detects items, expenses, fixed assets, transport, etc.
Even warns you if something looks like a fixed asset or a special account.
Validates, warns, and asks for confirmation
If there is something to review, the agent notifies you:
- Product matches
- Accounting accounts
- Suspicious lines
You decide whether to accept, correct, or adjust.
Generates the final invoice ready to post
When everything is correct:
- The agent moves the draft to a purchase invoice
- Attaches the original PDF
- Leaves it ready to post
The user only reviews and posts. Everything else is done by Copilot.
What your company gains with the payments agent
Fewer errors
Smart OCR and automatic validation reduce mistakes in:
- amounts
- VAT
- suppliers
- accounting accounts
Time savings
It eliminates:
- opening PDFs
- copying data
- typing invoices
For companies with volume, the savings are huge.
More financial control
Invoices enter directly into the ERP, ready for:
- reconciliation
- reporting
- payments
- audit
Why this agent is a paradigm shift
Before:
You received PDFs → opened them → entered them into the ERP
Now:
You receive an email → Copilot turns it into an invoice
It is the real step toward a paperless, keystroke‑free accounting.
The future of accounting is already here
The Business Central payments agent shows that Copilot is not just assistance, but a real digital worker inside the ERP.
If your company handles many vendor invoices, this feature can:
- Reduce costs
- Speed up processes
- Prevent errors
- Improve financial control
Do you want to activate and configure the payments agent in your Business Central? At ABD we help you implement Copilot and fully automate your purchase cycle.