Is Copilot in Business Central free?

Microsoft says core Copilot features are included with the Business Central license at no extra cost, though it may introduce fair-use policies, quotas or pricing later. Agents such as the Payables Agent use Copilot Credits, which are billed separately.

Copilot in Business Central

Microsoft builds Copilot features and agents into Dynamics 365 Business Central online. Core Copilot comes with the license; the newer agents run on Copilot Credits, billed separately.

Updated October 14, 2026. By AI Accounting Vendors. Product site: microsoft.com (opens in a new tab)

What Copilot does in Business Central

Bank reconciliation (preview): Proposes bank-to-ledger matches and G/L accounts for unmatched lines. Nothing is saved until the user accepts the proposal.
Payables Agent: Monitors a mailbox for vendor invoices and drafts unposted purchase invoices for a designated supervisor to review.
Chat and analysis: Natural-language questions about Business Central data and analysis of lists.
E-documents and sales: Maps incoming e-documents to purchase order lines; a Sales Order Agent and suggested sales lines help with order entry.

Pricing and Copilot Credits

Microsoft's FAQ says Copilot is included with the Business Central license at no extra cost, with a caveat that fair-use policies, quotas or pricing may be introduced later. The pricing page lists Essentials at $80 and Premium at $110 per user per month, paid yearly. Agents such as the Payables Agent consume Copilot Credits, bought pay-as-you-go or as prepaid commit units, and require an Azure subscription.

What Microsoft says about your data

Microsoft's Business Central documentation says it doesn't use customer data to train AI models without the customer's explicit permission, so training is opt-in rather than on by default. Copilot runs on Azure OpenAI Service, and an admin setting governs whether data can be processed in another geography. Copilot as a whole can't be switched off, but individual capabilities can be deactivated.

Microsoft's SOC 2 Type 2 attestation lists Microsoft Dynamics 365 in scope without naming Business Central specifically; the report itself, on Microsoft's Service Trust Portal, defines the exact scope.

Copilot in Business Central: facts, checked against the source

Category: Bookkeeping, AP & invoices, Close & reconciliationSource: learn.microsoft.com (opens in a new tab)
Built for: Unconfirmed
Ledger integrations: Microsoft DynamicsSource: learn.microsoft.com (opens in a new tab)
Pricing: From $80 per user/month, billed annually$80/user/month, paid yearly (Business Central Essentials, listed 'with Microsoft Copilot included'; Payables and Sales Order Agents need Copilot Credits sold separately; as listed 2026-10-14)Source: microsoft.com (opens in a new tab)
Free plan: NoThe vendor's pricing shows no free plan.Source: microsoft.com (opens in a new tab)
SOC 2: Type IISource: learn.microsoft.com (opens in a new tab)
Trains on customer data: NoMicrosoft's Business Central Copilot documentation says Microsoft does not read prompts or use customer data to train AI models without the customer's explicit permission, so training is opt-in rather than on by default.Source: learn.microsoft.com (opens in a new tab)
Human review: Human reviewCopilot's bank reconciliation proposals are saved only when the user selects 'Keep it', and the Payables Agent drafts invoices for designated supervisors without posting them; admins can deactivate individual Copilot and agent capabilities.Source: learn.microsoft.com (opens in a new tab)
Company: A Microsoft product; Microsoft is publicly traded (Nasdaq: MSFT). Microsoft founded 1975, Microsoft based in Redmond, WACopilot in Business Central is built into Microsoft's software.Source: news.microsoft.com (opens in a new tab)

Checked against the linked official source on the date shown.
Unconfirmed: we could not find an official statement.

Documented AI features

Proposes bank-to-ledger matches and G/L accounts for unmatched bank lines; nothing is saved until the user accepts (preview)
Payables Agent monitors a mailbox for vendor invoices and drafts unposted purchase invoices for supervisor review
Chat with Copilot and natural-language analysis of data in lists
Maps incoming e-documents to purchase order lines
Sales Order Agent and suggested sales lines for order entry

Copilot in Business Central: questions

Is Copilot in Business Central free?: Microsoft says core Copilot features are included with the Business Central license at no extra cost, though it may introduce fair-use policies, quotas or pricing later. Agents such as the Payables Agent use Copilot Credits, which are billed separately.
Does Business Central Copilot train on my data?: Microsoft's documentation says it doesn't use customer data to train AI models without the customer's explicit permission.

Sources

Official pages read on October 14, 2026. Changes are recorded in the changelog.