Integration Hero
Connect™

Unify & Automate Multi-Gateway Payments: Chase Orbital Paymentech + Sage Pay (Opayo) Integration

Empower your financial operations with seamless, intelligent orchestration between Chase Orbital Paymentech and Sage Pay (Opayo) for enhanced efficiency, compliance, and real-time insights.

Get Pricing

See how it works
The Challenge

The Challenges of Fragmented Payment Gateways

While leveraging multiple payment gateways like Chase Orbital Paymentech and Sage Pay (Opayo) offers strategic advantages, managing them in silos creates significant operational and financial bottlenecks. Without a unified integration strategy, businesses face a myriad of challenges that hinder efficiency, compromise data accuracy, and increase compliance risks.

  • Data Silos & Inconsistency: Transaction, customer, and order data remain isolated within each gateway, making a holistic view impossible.
  • Manual Reconciliation Headaches: Daily settlement reports from different providers require tedious, error-prone manual matching against internal records.
  • Inefficient Fraud & Chargeback Management: Responding to fraud and chargebacks is slow and inconsistent across disparate systems, increasing losses.
  • Lack of Unified Reporting: Aggregating performance metrics, success rates, and fee structures from multiple sources is complex and time-consuming.
  • Operational Overhead: Managing separate integration points, authentication, and error handling for each gateway drains IT resources.
  • Suboptimal Payment Routing: Inability to dynamically route transactions based on cost, success rates, or regional preferences.
  • Increased PCI DSS Scope: Disparate data handling practices can inadvertently expand your PCI compliance burden.
Integration Diagram
Solution Illustration
The Solution

The Unified Payment Orchestration Solution

Our iPaaS-powered integration solution provides the essential framework to seamlessly connect Chase Orbital Paymentech and Sage Pay (Opayo), transforming your payment processing into a centralized, intelligent, and highly automated operation. By acting as the central nervous system for all payment data, it eliminates silos and orchestrates workflows across your entire enterprise.

  • Centralized Payment Processing: Route, manage, and monitor all transactions from both gateways through a single platform.
  • Automated Financial Workflows: Automate order-to-cash, refunds, voids, and chargeback management end-to-end.
  • Real-time Data Synchronization: Ensure immediate consistency of transaction, order, and customer data across all connected systems (ERP, CRM, eCommerce).
  • Intelligent Payment Routing: Dynamically select the optimal gateway for each transaction based on predefined rules, cost, or performance.
  • Consolidated Reconciliation: Automate the matching of settlement reports from both Orbital and Opayo with your ERP's general ledger.
Implementation Timeline

Go live with Chase Orbital Paymentech + Sage Pay 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 Sage Pay , 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 + Sage Pay deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

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

Comprehensive Solution Details

  • Centralized Payment Processing: Route, manage, and monitor all transactions from both gateways through a single platform.
  • Automated Financial Workflows: Automate order-to-cash, refunds, voids, and chargeback management end-to-end.
  • Real-time Data Synchronization: Ensure immediate consistency of transaction, order, and customer data across all connected systems (ERP, CRM, eCommerce).
  • Intelligent Payment Routing: Dynamically select the optimal gateway for each transaction based on predefined rules, cost, or performance.
  • Consolidated Reconciliation: Automate the matching of settlement reports from both Orbital and Opayo with your ERP's general ledger.
  • Enhanced Fraud & Security: Leverage unified data for advanced fraud detection and maintain robust PCI DSS compliance across all payment flows.

Deep Dive: Integration Architecture & Data Flow

The integration between Chase Orbital Paymentech and Sage Pay (Opayo) is orchestrated through a modern iPaaS, serving as a central hub for all payment-related data and workflows. This architecture ensures robust, scalable, and secure connectivity, transforming raw API interactions into meaningful business processes.

Data Flow Steps

Connectors & Authentication: Dedicated connectors for Chase Orbital and Sage Pay (Opayo) are configured within the iPaaS, securely managing API keys and OAuth tokens. Separate credentials are used for Dev, QA, and Prod environments.

Event-Driven Triggers: Webhooks from both Chase Orbital and Sage Pay (Opayo) (for real-time transaction updates, refunds, chargebacks) trigger iPaaS workflows, ensuring immediate data synchronization. Scheduled jobs handle daily settlement report retrieval.

Data Ingestion & Transformation: Raw data from both gateways is ingested by the iPaaS. A visual mapping canvas is used to transform and normalize gateway-specific entities (e.g., `transactionId` from Orbital, `vendorTxCode` from Opayo) into a canonical enterprise data model. AI-assisted mapping suggests optimal field connections.

Business Logic & Orchestration: The iPaaS applies business rules for intelligent payment routing, fraud checks (potentially integrating with an external FDS), and conditional logic for workflows (e.g., retry mechanisms, dunning processes).

Data Synchronization: Transformed and validated data is then synchronized bi-directionally or uni-directionally with target systems such as ERP, CRM, and eCommerce platforms (e.g., updating order status, creating invoices, logging customer payment history).

Error Handling & Monitoring: Robust error handling, including retry logic with exponential backoff and dead-letter queues, ensures data integrity. Centralized dashboards provide real-time monitoring of transaction volumes, success rates, and error logs across both gateways.

Data Touchpoints

Transaction / Payment Transaction: The core entity, flowing from gateway to iPaaS to ERP/CRM. Key fields: `transactionId`, `amount`, `currency`, `status`, `paymentMethodType`, `customerId`, `orderId`.
Order: Initiates payment. Flows from eCommerce/CRM to iPaaS to gateway. Status updates flow back. Key fields: `orderId`, `totalAmount`, `orderStatus`, `customerId`, `transactionId`.
Customer: Associated with transactions and orders. Flows bi-directionally between CRM/eCommerce and iPaaS, potentially with gateway-specific customer IDs. Key fields: `customerId`, `firstName`, `lastName`, `email`, `billingAddress`.
Payment Method / Payment Token: Tokenized card details for recurring billing. Flows from gateway to iPaaS to Subscription/Billing platform. Key fields: `paymentMethodToken`/`tokenId`, `customerId`, `last4Digits`, `expirationDate`.
Refund: Initiated in ERP/CRM, processed via iPaaS to the original gateway, status updated back. Key fields: `refundId`, `originalTransactionId`, `amount`, `status`.
Settlement Report / Settlement Batch: Daily financial summaries. Flows from gateway to iPaaS for reconciliation with ERP. Key fields: `settlementDate`, `totalSales`, `netAmount`, `transactionCount`.
Chargeback: Notification from gateway to iPaaS, creating a case in CRM/Service Desk. Key fields: `chargebackId`, `originalTransactionId`, `reasonCode`, `status`.

"Payment Gateway (Orbital/Opayo) --[Webhooks/APIs]--> iPaaS --[Canonical Data Model]--> ERP/CRM/eCommerce"

Pricing

Simple, transparent pricing for Chase Orbital Paymentech + Sage Pay .

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

The success of this multi-gateway integration hinges on accurately mapping and synchronizing core payment and business entities across Chase Orbital Paymentech, Sage Pay (Opayo), and your enterprise systems. Our iPaaS leverages AI-assisted mapping to simplify this complex process.

Transaction / Payment Transaction

Represents a single payment event. This critical entity requires precise mapping to ensure accurate financial records and reconciliation.

Chase Orbital Paymentech Fields

transactionId (Orbital) orderId (eCommerce/ERP) amount currency status (e.g., Approved, Declined, Refunded) paymentMethodType cardType last4Digits customerId (Orbital) authCode AVSResult CVVResult

Sage Pay Fields

transactionId (Opayo) vendorTxCode (your internal order ID) amount currency status (e.g., OK, Failed, Aborted) transactionType (e.g., Payment, Refund) customerEmail paymentMethod cardType last4Digits createdDate VPSTxId (Opayo's unique ID) 3DSecureStatus FraudIndicator

Mapping Notes

Map `transactionId` from both gateways to a canonical `paymentGatewayTransactionId` in the iPaaS, linking it to your internal `orderId` (which should map to `vendorTxCode` in Opayo). Normalize status codes (e.g., 'Approved', 'OK' to 'SUCCESSFUL'). Map fraud/security results (`AVSResult`, `CVVResult`, `3DSecureStatus`, `FraudIndicator`) to a unified risk assessment field.

Next Steps

See Chase Orbital Paymentech + Sage Pay 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.

Multi-Channel eCommerce Payment Orchestration

A global retailer uses an iPaaS to manage payments across various regions. For North America, they use Chase Orbital Paymentech, while for the UK and EU, they leverage Sage Pay (Opayo). The iPaaS automatically routes online orders to the correct gateway based on the customer's billing address and currency. Payment status, order details, and customer information are then harmonized and synchronized with their global ERP and CRM systems in real-time. This ensures local payment preferences are met, while maintaining a unified view of all transactions globally.

Integration Steps:

  1. 0 Customer places order on regional eCommerce site.
  2. 1 iPaaS intercepts order details, including billing address and currency.
  3. 2 Based on rules, iPaaS dynamically selects Chase Orbital (NA) or Sage Pay (UK/EU).
  4. 3 Payment processed by the selected gateway.
  5. 4 Gateway sends real-time payment status webhook to iPaaS.
  6. 5 iPaaS updates eCommerce platform, synchronizes order, payment, and customer data to central ERP and regional CRMs.

Business Outcome

Seamless regional payment processing, optimized local payment methods, unified global financial reporting, reduced manual routing errors.

Frequency

Real-time, Event-driven

Business Value

Key Integration Benefits

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

Accelerated Financial Close
Automate daily reconciliation of settlement reports from both Chase Orbital and Sage Pay (Opayo), drastically reducing manual effort and speeding up month-end close processes.
Enhanced Fraud Prevention
Leverage AI-driven insights and unified transaction data from both gateways to detect and prevent fraudulent activities more effectively.
Optimized Payment Costs
Implement intelligent routing rules to direct transactions to the most cost-effective gateway based on transaction type, amount, or geography.
Improved Operational Efficiency
Automate end-to-end payment workflows, from order capture to refund processing and chargeback management, freeing up valuable staff time.
Superior Customer Experience
Ensure faster, error-free payment processing, quicker refunds, and consistent communication, leading to higher customer satisfaction.
Unified Data & Reporting
Consolidate all payment data into a single source, providing real-time, comprehensive insights into your financial performance across both gateways.
✨

Accelerated Financial Close

80% Reduction in Reconciliation Time

📋 What You Get

Automate daily reconciliation of settlement reports from both Chase Orbital and Sage Pay (Opayo), drastically reducing manual effort and speeding up month-end close processes.

💼 Business Impact

This benefit directly contributes to 80% improvement in Reduction in Reconciliation Time, 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 Pre-authorize a payment amount, holding funds without immediate capture. Used for order holds or subscription setup.
POST /capture Finalize a previously authorized transaction, moving funds from customer to merchant. Linked to order fulfillment.
POST /sale Combine authorization and capture into one step for immediate payment processing, common in eCommerce.
POST /refund Process full or partial refunds for captured transactions, requiring the original transaction ID.
POST /void Cancel an authorized transaction before capture, preventing fund transfer.
GET /status Retrieve the current status of a specific transaction by its ID, crucial for reconciliation.

⚡ Transformation Logic

  • Status Normalization: Map diverse gateway transaction statuses (e.g., 'Approved', 'OK', 'SUCCESS') to a single, universal 'SUCCESS' status for internal systems.
  • ID Harmonization: Link `ChaseOrbitalTransactionId` and `SagePayOpayoTransactionId` to a `CanonicalTransactionId` and associate with `ERPOrderId`.
  • Address Standardization: Parse and standardize billing/shipping addresses from various sources into a consistent format.
  • Currency Conversion: If operating in multiple currencies, apply real-time or daily exchange rates to normalize amounts for reporting.
  • Fraud Indicator Aggregation: Combine `AVSResult`, `CVVResult`, `3DSecureStatus`, and `FraudIndicator` into a single `OverallRiskScore`.

🛡️ Error Handling

  • Gateway Downtime: iPaaS retries, routes to alternative gateway if configured, alerts operations.
  • API Rate Limit Exceeded: iPaaS throttles requests, implements backoff, prevents further errors.
  • Invalid Data Payload: iPaaS rejects invalid data, logs error, sends notification, routes to dead-letter queue.
  • Transaction Mismatch during Reconciliation: iPaaS flags discrepancy, generates report for finance team.
  • Duplicate Transaction Attempt: iPaaS identifies and blocks duplicate, prevents double charging.
Support & Information

Frequently Asked Questions

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

General Integration FAQs

▸ Why integrate two payment gateways like Chase Orbital Paymentech and Sage Pay (Opayo)?
Businesses often integrate multiple payment gateways to diversify risk, support different regional markets or currencies, optimize transaction costs, or leverage specific features unique to each provider. Integrating them via an iPaaS centralizes management, provides a unified view, and automates processes across both, preventing data silos and operational inefficiencies.

Financial Reconciliation FAQs

▸ How does an iPaaS unify reconciliation for both Chase Orbital and Sage Pay (Opayo)?
An iPaaS automates reconciliation by retrieving daily settlement reports from both Chase Orbital and Sage Pay (Opayo), normalizing their data into a common format, and then automatically matching these transactions against your ERP's general ledger. It flags any discrepancies for review, significantly reducing manual effort and speeding up financial close processes.

AI & Automation FAQs

▸ What role does AI play in enhancing multi-gateway payment integrations?
AI significantly augments multi-gateway integrations by providing intelligent fraud detection across all transactions, suggesting optimal data mappings in the iPaaS, identifying anomalies in reconciliation data, and even recommending intelligent payment routing strategies based on real-time performance and cost analysis.

Security & Compliance FAQs

▸ How do I ensure PCI DSS compliance when integrating two payment gateways?
Ensuring PCI DSS compliance requires careful planning. The best practice is to leverage the tokenization services offered by both Chase Orbital and Sage Pay (Opayo). The iPaaS should only handle these non-sensitive tokens, never raw card data. All data in transit must be encrypted (TLS 1.2+), and API credentials must be securely managed with least privilege access and IP whitelisting.

Workflow Automation FAQs

▸ Can I dynamically route payments between Chase Orbital and Sage Pay (Opayo)?
Yes, an iPaaS enables intelligent payment routing. You can configure business rules within the iPaaS to dynamically select the optimal gateway for each transaction based on criteria such as customer's region, currency, transaction amount, card type, historical success rates, or even the cost of processing through each gateway, maximizing efficiency and minimizing fees.

Financial Operations FAQs

▸ How does the integration handle refunds and chargebacks from both gateways?
The iPaaS centralizes refund and chargeback management. When a refund is initiated in your ERP/CRM, the iPaaS identifies the original transaction's gateway (Orbital or Opayo) and routes the refund request accordingly. For chargebacks, notifications from either gateway automatically trigger a workflow in the iPaaS to create a case in your CRM or service desk, pre-populating it with relevant transaction and customer data for efficient dispute resolution.

Low-Code/No-Code FAQs

▸ Is low-code development suitable for complex payment integrations?
Absolutely. Modern iPaaS platforms offer low-code/no-code environments that are highly suitable for complex payment integrations. Business analysts and power users can visually design, test, and deploy sophisticated workflows, data mappings, and business rules without extensive coding, accelerating development and reducing reliance on IT resources.
Pricing

Simple, transparent pricing for Chase Orbital Paymentech + Sage Pay .

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 + Sage Pay 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