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Unify Chase Orbital Paymentech & Cybersource: Intelligent Payment Orchestration at Scale

Harness the power of two industry-leading payment platforms with an iPaaS-driven integration. Streamline workflows, enhance fraud prevention, and accelerate financial reconciliation for unprecedented operational efficiency and revenue growth.

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The Challenge

The Challenge: Fragmented Payments & Financial Inefficiency

Managing payments across multiple gateways like Chase Orbital Paymentech and Cybersource in isolation creates significant operational hurdles. Businesses struggle with disparate data, manual reconciliation, inconsistent fraud prevention, and complex compliance, leading to revenue loss and increased costs.

  • Disjointed Payment Workflows: Lack of end-to-end automation for orders, payments, refunds, and chargebacks across systems.
  • Manual Reconciliation Headaches: Aggregating and matching settlement reports from two different processors is time-consuming and prone to errors.
  • Suboptimal Fraud Detection: Missing a holistic view of transaction risk by not leveraging combined fraud insights.
  • Inefficient Chargeback Management: Slow, manual processes for disputing chargebacks, leading to higher losses.
  • Complex PCI DSS Compliance: Managing security and compliance for multiple, unconnected payment environments.
  • Limited Payment Routing Flexibility: Inability to dynamically switch between gateways for optimal performance or failover.
Integration Diagram
Solution Illustration
The Solution

The Solution: iPaaS-Powered Chase Orbital & Cybersource Integration

Our iPaaS-driven integration solution bridges Chase Orbital Paymentech and Cybersource, creating a unified, intelligent payment ecosystem. By centralizing data flow and workflow orchestration, we empower your business to automate end-to-end payment processes, enhance fraud prevention, and gain real-time financial visibility.

  • Unified Payment Processing: Seamlessly manage authorizations, captures, sales, refunds, and voids across both gateways.
  • Intelligent Fraud Management: Consolidate fraud alerts and decisions from Cybersource's Decision Manager with Chase Orbital transactions.
  • Automated Financial Reconciliation: Streamline daily settlement report processing and ERP ledger matching from both platforms.
  • Dynamic Payment Routing: Implement AI-augmented logic to route transactions based on performance, cost, or risk.
  • Chargeback & Refund Automation: Automate case creation and data gathering for disputes and efficient refund processing.
Implementation Timeline

Go live with Chase Orbital Paymentech + Cybersource in as little as 2–4 weeks.

A proven, repeatable implementation approach that minimizes risk while getting your team to value quickly.

1

Access Enabled

Secure connections established to both Chase Orbital Paymentech and Cybersource, with credentials and environments confirmed.

2

Configuration & Mapping

Field mappings, business rules, and workflows configured using visual tools and pre-built templates.

3

Go Live

Launch production-ready integration with monitoring, alerting, and support in place—typically within 2–4 weeks.

Time to Value

2–4 weeks

Typical implementation window from access granted to production go-live for most Chase Orbital Paymentech + Cybersource deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

Guided by Clarity experts with your team involved at key milestones.

Comprehensive Solution Details

  • Unified Payment Processing: Seamlessly manage authorizations, captures, sales, refunds, and voids across both gateways.
  • Intelligent Fraud Management: Consolidate fraud alerts and decisions from Cybersource's Decision Manager with Chase Orbital transactions.
  • Automated Financial Reconciliation: Streamline daily settlement report processing and ERP ledger matching from both platforms.
  • Dynamic Payment Routing: Implement AI-augmented logic to route transactions based on performance, cost, or risk.
  • Chargeback & Refund Automation: Automate case creation and data gathering for disputes and efficient refund processing.
  • Secure Tokenization: Maintain PCI DSS compliance with robust tokenization for recurring payments and stored customer profiles.
  • Real-time Event Synchronization: Leverage webhooks for instant updates on transaction statuses, fraud alerts, and chargebacks.

Integration Architecture & Data Flow

Our integration leverages a modern iPaaS as the central nervous system, orchestrating complex payment workflows between Chase Orbital Paymentech, Cybersource, and your core enterprise systems. This architecture ensures secure, scalable, and real-time data synchronization.

Data Flow Steps

Event Trigger: A payment event occurs (e.g., eCommerce order, refund request, fraud alert).

iPaaS Ingestion: The iPaaS receives the event, either via webhook from the originating system (e.g., Cybersource fraud alert, Chase Orbital transaction status) or through scheduled polling for reports (e.g., daily settlement).

Data Transformation & Harmonization: Raw data from Chase Orbital or Cybersource is transformed into a canonical data model. This includes mapping disparate fields, enriching data from other systems (ERP, CRM), and applying business rules.

Conditional Logic & Routing: The iPaaS applies business logic (e.g., AI-driven dynamic routing, fraud score evaluation) to determine the next action or target system.

API Interaction: The iPaaS makes authenticated API calls to the target system (e.g., `/sale` to Chase Orbital, `/pts/v2/payments` to Cybersource, or updates to ERP/CRM).

Error Handling & Retries: Robust error handling mechanisms, including logging, automated retries with exponential backoff, and dead-letter queues, ensure data integrity.

Status Updates & Notifications: Processed data and status updates are pushed back to relevant systems (eCommerce, ERP, CRM) and alerts are triggered for critical events.

Monitoring & Auditing: All transactions and integration steps are logged and monitored in real-time via iPaaS dashboards for visibility and compliance.

Data Touchpoints

Payment Transaction: Authorizations, captures, sales, refunds, voids, status updates.
Customer/Customer Profile: Billing/shipping address, contact info, associated payment tokens.
Order: Total amount, status, line items, associated transaction IDs.
Payment Method/Token: Securely tokenized card data for recurring billing.
Refund: Original transaction ID, amount, reason, status.
Chargeback/Fraud Case: Original transaction ID, reason codes, status, dispute details.
Settlement Report: Daily aggregated transaction data for reconciliation.

"Customer Order (eCommerce) -> iPaaS (Fraud Screening via Cybersource DM) -> iPaaS (Dynamic Gateway Routing) -> Chase Orbital / Cybersource (Payment Processing) -> iPaaS (Payment Status Webhook) -> ERP (Order Update, Invoice, Payment Record) & CRM (Customer Profile Update) & BI (Reporting). Bidirectional for Refunds, Chargebacks, and Reconciliation."

Pricing

Simple, transparent pricing for Chase Orbital Paymentech + Cybersource.

Start with a single integration pair and scale as your business grows—without surprise fees or transaction penalties.

Connect™ Plan

Clarity Connect

$595 /mo

Billed annually • Includes one production integration pair

  • Unlimited transactions and API calls within fair-use limits.
  • Visual workflow designer and reusable mapping templates.
  • Monitoring, alerting, and access to Clarity’s support team.
View full pricing & options
Innovative & Robust

How Middleware Integration Works

Benefits of Integrating Chase Orbital Paymentech

Integrating Chase Orbital Paymentech fosters greater efficiency and data accuracy. Automate your critical business processes to deliver consistently outstanding results.

Hover over the steps on the right to see detailed integration points.
Data Mapping

Key Entities & Intelligent Mapping

A successful integration hinges on harmonizing core business entities between Chase Orbital Paymentech, Cybersource, and your internal systems. Our iPaaS provides visual mapping tools and AI assistance to ensure accurate, consistent data flow.

Payment Transaction

Represents a single payment event (auth, capture, sale, refund, void). This is the central entity for financial operations.

Chase Orbital Paymentech Fields

transactionId (Orbital) orderId (eCommerce/ERP) amount currency status paymentMethodType cardType last4Digits customerId

Cybersource Fields

transactionId (Cybersource) amount currency status authorizationCode merchantReferenceCode cardType cardLast4 customerProfileId

Mapping Notes

Crucial to establish a canonical `transactionId` in the iPaaS that can link to both `transactionId (Orbital)` and `merchantReferenceCode` (Cybersource) or `transactionId (Cybersource)`. Status fields require careful mapping to a unified status enum (e.g., 'Authorized', 'Captured', 'Refunded', 'Declined').

Next Steps

See Chase Orbital Paymentech + Cybersource integration in action.

Explore a guided demo, start a sandbox integration, or speak directly with our solution architects about your specific use cases.

Start Free Trial Request Live Demo
Real-World Applications

Integration Use Cases

Explore how the integration behaves in real business scenarios, with clearly defined steps, outcomes, and execution patterns.

eCommerce Order-to-Payment-to-ERP Sync with Fraud Screening

A customer places an order on an eCommerce platform. The payment is dynamically routed to either Chase Orbital or Cybersource based on fraud score (from Cybersource Decision Manager) and regional preference. Upon successful authorization, payment and order details are synchronized to the ERP for fulfillment and accounting, and to CRM for customer history.

Integration Steps:

  1. 0 Customer checks out on eCommerce platform.
  2. 1 iPaaS receives order and payment intent.
  3. 2 iPaaS sends transaction details to Cybersource Decision Manager for fraud screening.
  4. 3 Based on fraud score and business rules, iPaaS routes payment to Chase Orbital Paymentech or Cybersource for processing.
  5. 4 Payment gateway processes transaction (e.g., /sale endpoint).
  6. 5 iPaaS receives real-time payment status (via webhook).
  7. 6 Successful payment updates Order status in eCommerce and creates/updates records in ERP (Invoice, Payment Transaction) and CRM (Customer, Payment Method).
  8. 7 Failed payments trigger customer notifications and potential retry logic.

Business Outcome

Streamlined order-to-cash cycle, reduced fraud losses, accurate financial records, and improved customer experience.

Frequency

Real-time

Business Value

Key Integration Benefits

Discover the strategic advantages and business value of seamless integration between your systems.

Boost Payment Authorization Rates
Leverage AI-driven dynamic payment routing to intelligently select between Chase Orbital and Cybersource, optimizing for success rates and reducing payment declines.
Reduce Fraud Losses & Chargebacks
Combine the fraud detection capabilities of both platforms and automate chargeback dispute workflows to minimize financial exposure and operational overhead.
Accelerate Financial Reconciliation
Automate the aggregation, normalization, and matching of settlement reports from both gateways against your ERP, slashing manual effort and accelerating financial close.
Enhance Operational Efficiency
Automate end-to-end payment workflows, from order processing to refunds and dispute resolution, freeing up valuable staff time.
Ensure PCI DSS Compliance & Security
Utilize secure tokenization, API key management, and robust data encryption to maintain the highest security standards and reduce compliance scope.
Improve Customer Experience
Faster, more reliable payment processing, quicker refunds, and reduced false declines lead to happier customers and increased loyalty.
✨

Boost Payment Authorization Rates

5-15% Increase in Authorization Rates

📋 What You Get

Leverage AI-driven dynamic payment routing to intelligently select between Chase Orbital and Cybersource, optimizing for success rates and reducing payment declines.

💼 Business Impact

This benefit directly contributes to 5-15% improvement in Increase in Authorization Rates, enabling your team to focus on high-value strategic initiatives.

Technical Documentation

API Endpoints & Data Logic

Technical details for developers and architects.

Method Endpoint Purpose
POST /authorize To pre-authorize a payment amount against a customer's card. Used for order holds or subscription setup where capture occurs later. iPaaS triggers this from eCommerce or subscription platform.
POST /capture To finalize a previously authorized transaction. iPaaS orchestrates this upon order fulfillment or service delivery confirmation from ERP/WMS.
POST /sale To combine authorization and capture into a single transaction, typically for immediate payment processing like in eCommerce checkout flows. iPaaS uses this for direct payment processing.
POST /refund To process a full or partial refund for a previously captured transaction, requiring the original transaction ID. iPaaS triggers this from ERP/CRM refund workflows.
POST /void To cancel an authorized transaction before it has been captured. Prevents funds from being transferred. iPaaS uses this for pre-capture order cancellations.
GET /status To retrieve the current status of a specific transaction using its ID. Crucial for reconciliation and error handling. iPaaS polls this for status verification if webhooks are not immediate.

⚡ Transformation Logic

  • Canonical Data Model: All incoming data is mapped to a standardized internal schema.
  • Status Harmonization: Disparate status codes (e.g., 'Approved', 'Success', 'Settled') are mapped to a unified set of statuses.
  • Address Normalization: Billing and shipping addresses are cleaned and standardized.
  • Amount & Currency Conversion: Ensure consistency across systems, especially for multi-currency operations.
  • Token Management: Securely link payment tokens from both gateways to a central customer profile.
  • Fraud Score Aggregation: Combine fraud signals from Cybersource Decision Manager with internal risk assessments.

🛡️ Error Handling

  • Gateway Unavailable: Implement retries with exponential backoff; if persistent, route to alternative gateway (failover).
  • Payment Declined: Capture specific decline codes, notify customer, trigger dunning for subscriptions.
  • Invalid Data: Log error, move to dead-letter queue, alert data steward for correction.
  • Rate Limit Exceeded: Implement throttling and queuing in iPaaS, retry after interval.
  • Webhook Failure: Log, retry webhook delivery, alert if persistent.
  • Reconciliation Discrepancy: Flag in ERP, create an incident ticket for financial review.
Support & Information

Frequently Asked Questions

Common questions about integration implementation, security, and best practices.

General FAQs

▸ What is the primary benefit of integrating Chase Orbital Paymentech and Cybersource?
The primary benefit is achieving unified payment orchestration, combining the strengths of both platforms for advanced fraud detection, dynamic payment routing, and automated financial reconciliation. This reduces manual effort, enhances data accuracy, and optimizes payment success rates across your enterprise.

iPaaS Capabilities FAQs

▸ How does an iPaaS platform enhance this specific integration?
An iPaaS acts as a central hub, providing pre-built connectors, visual workflow builders, and robust data mapping tools to seamlessly connect both Chase Orbital and Cybersource with your ERP, CRM, and eCommerce. It enables complex workflow automation, intelligent data transformation, real-time event processing via webhooks, and centralized monitoring, making the integration scalable and resilient.

Low-Code FAQs

▸ Can I use low-code tools to build workflows combining both Chase Orbital and Cybersource?
Absolutely. Modern iPaaS platforms offer low-code/no-code environments, allowing business analysts and power users to design, test, and deploy sophisticated workflows that interact with both Chase Orbital and Cybersource. This accelerates development, reduces IT backlog, and enables faster adaptation to changing business needs without extensive coding.

AI Enhancements FAQs

▸ What role does AI play in enhancing Chase Orbital and Cybersource integrations?
AI significantly augments these integrations by providing intelligent fraud detection (combining insights from both), dynamic payment routing to optimize success rates, automated reconciliation anomaly detection, and intelligent error handling. It helps in flagging anomalies, automating exception handling, and providing real-time insights, leading to higher data quality and reduced operational costs.

Financial FAQs

▸ How do I handle transaction reconciliation between both gateways and my ERP?
An iPaaS automates daily reconciliation. It retrieves settlement reports from both Chase Orbital and Cybersource (via API or SFTP), transforms and normalizes the data, and compares it against transactions recorded in your ERP's general ledger. Any discrepancies are automatically flagged and reported for investigation, drastically reducing manual reconciliation efforts and accelerating financial close.

Security & Compliance FAQs

▸ What are the key security considerations for this integration?
PCI DSS compliance is paramount. Always use tokenization services from Chase Orbital or Cybersource to prevent storing raw card data. Ensure all data in transit is encrypted with TLS 1.2+, utilize secure API authentication methods (e.g., OAuth, service accounts), and manage API credentials in a secure vault. Your iPaaS should also provide robust security features, including data encryption at rest and strict access controls.

Operations FAQs

▸ How can this integration help with chargeback management?
An iPaaS can automate chargeback management by receiving notifications from both Chase Orbital and Cybersource, automatically creating a case in your CRM or service desk, populating it with relevant transaction and customer data, and assigning it to the appropriate team for dispute resolution. This streamlines the process, improves win rates, and reduces manual effort.

Architecture FAQs

▸ Is the integration compatible with event-driven architecture?
Yes, both Chase Orbital Paymentech and Cybersource APIs can be integrated into an event-driven architecture. The iPaaS can subscribe to webhooks from both gateways for real-time payment events (e.g., transaction authorized, refunded, charged back) and use these events to trigger subsequent actions in other systems, ensuring immediate synchronization and dynamic workflows.
Pricing

Simple, transparent pricing for Chase Orbital Paymentech + Cybersource.

Start with a single integration pair and scale as your business grows—without surprise fees or transaction penalties.

Connect™ Plan

Clarity Connect

$599 /mo

Billed annually • Includes one production integration pair

  • Unlimited transactions and API calls within fair-use limits.
  • Visual workflow designer and reusable mapping templates.
  • Monitoring, alerting, and access to Clarity’s support team.
View full pricing & options
Next Steps

See Chase Orbital Paymentech + Cybersource integration in action.

Explore a guided demo, start a sandbox integration, or speak directly with our solution architects about your specific use cases.

Start Free Trial Request Live Demo