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Unify Cybersource & Sage Pay (Opayo) Payments: Smart Orchestration, Smarter Business

Connect Cybersource and Sage Pay (Opayo) in real-time with our AI-powered iPaaS. Boost payment success, cut fraud, and automate financial operations across your enterprise.

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The Challenge

The Challenge: Disconnected Payments, Escalating Fraud & Manual Overheads

Modern businesses often leverage multiple payment gateways like Cybersource and Sage Pay (Opayo) for different regions, currencies, or business models. However, managing these in isolation leads to a fragmented payment ecosystem, hindering efficiency and increasing risk.

  • Siloed Payment Data: Transaction data is scattered across Cybersource, Sage Pay (Opayo), ERPs, and CRMs, making a unified view impossible.
  • Inefficient Payment Routing: Inability to dynamically select the optimal gateway based on transaction type, cost, or success rates, leading to higher processing fees and failed transactions.
  • Manual Reconciliation Headaches: Discrepancies between gateway settlement reports and internal financial records require tedious, error-prone manual reconciliation.
  • Fragmented Fraud Prevention: Managing fraud rules and alerts independently across Cybersource Decision Manager and Opayo's tools creates blind spots and increases fraud exposure.
  • PCI DSS Compliance Burden: Handling sensitive payment data across multiple systems increases PCI scope and compliance complexity.
  • Slow Refund & Chargeback Processes: Manual processing of refunds and chargebacks across different gateways leads to delays, customer dissatisfaction, and potential financial losses.
Integration Diagram
Solution Illustration
The Solution

The Solution: Seamless Cybersource & Sage Pay (Opayo) Integration with an Intelligent iPaaS

Our AI-powered iPaaS provides a unified, low-code platform to seamlessly connect Cybersource and Sage Pay (Opayo) with your entire enterprise ecosystem. It acts as the intelligent orchestration layer, automating payment workflows, centralizing data, and empowering businesses with real-time insights and unparalleled control over their payment operations.

  • Unified Payment Orchestration: Route transactions intelligently between Cybersource and Opayo based on custom business logic, cost, and success rates.
  • Real-time Data Synchronization: Ensure immediate, consistent updates of payment, order, and customer data across all connected systems.
  • AI-Augmented Fraud Management: Combine and enhance fraud detection capabilities from both gateways with predictive AI for proactive risk mitigation.
  • Automated Financial Reconciliation: Streamline the matching of settlement reports from both Cybersource and Opayo with your ERP.
  • Secure Tokenization & PCI Compliance: Leverage both gateways' tokenization services for secure storage of card data, minimizing your PCI scope.
Implementation Timeline

Go live with Cybersource + 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 Cybersource 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 Cybersource + 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

  • Unified Payment Orchestration: Route transactions intelligently between Cybersource and Opayo based on custom business logic, cost, and success rates.
  • Real-time Data Synchronization: Ensure immediate, consistent updates of payment, order, and customer data across all connected systems.
  • AI-Augmented Fraud Management: Combine and enhance fraud detection capabilities from both gateways with predictive AI for proactive risk mitigation.
  • Automated Financial Reconciliation: Streamline the matching of settlement reports from both Cybersource and Opayo with your ERP.
  • Secure Tokenization & PCI Compliance: Leverage both gateways' tokenization services for secure storage of card data, minimizing your PCI scope.
  • End-to-End Workflow Automation: Automate complex processes from order payment to refund processing and chargeback disputes.
  • Centralized Monitoring & Governance: Gain a single pane of glass for all payment integrations, with robust logging, alerting, and performance dashboards.

Cybersource & Sage Pay (Opayo) Integration Details: The iPaaS Advantage

Our iPaaS platform provides the crucial orchestration layer for seamless, intelligent integration between Cybersource and Sage Pay (Opayo). It leverages an event-driven architecture, robust data mapping, and AI-powered automation to create a resilient, scalable payment ecosystem.

Data Flow Steps

Secure API Connectivity: Establish authenticated connections to Cybersource and Sage Pay (Opayo) using their respective APIs (RESTful).

Event Listener Setup: Configure webhooks from both Cybersource (e.g., transaction status changes, fraud alerts) and Opayo (e.g., payment success/failure, refund status) to trigger real-time workflows in the iPaaS.

Data Ingestion & Normalization: Ingest raw data from incoming events or scheduled pulls, then normalize it into a canonical data model within the iPaaS.

Intelligent Orchestration & Routing: Apply business logic and AI models to dynamically route payment requests, fraud checks, or refunds to the optimal gateway based on predefined criteria.

Data Transformation & Harmonization: Map and transform data between the canonical model and the specific schemas of connected ERP, CRM, and eCommerce systems.

Outbound API Calls: Execute API calls to update target systems (e.g., ERP for order status, CRM for customer profile, back to payment gateway for refunds).

Error Handling & Monitoring: Implement comprehensive error handling, retry logic, and real-time monitoring to ensure data integrity and workflow continuity.

Reconciliation & Reporting: Process daily settlement reports from both gateways, automating reconciliation with ERP financial records and generating unified reports.

Data Touchpoints

eCommerce Platform (Order, Customer, Payment Request)
Cybersource (Payment Transaction, Payment Token, Fraud Case, Refund, Auth Reversal, Settlement Report)
Sage Pay (Opayo) (Payment Transaction, Order, Customer, Refund, Payment Token, Settlement Batch, Chargeback, Fraud Indicator)
ERP (Order, Invoice, Payment Record, Customer, Credit Memo)
CRM (Customer Profile, Fraud Case, Subscription)
Subscription Management System (Subscription, Payment Token)

"Payment Request (eCommerce/ERP) -> iPaaS (AI Routing) -> [Cybersource OR Sage Pay (Opayo)] -> Payment Response (via Webhook) -> iPaaS (Data Transformation) -> ERP/CRM/eCommerce Update. Separate flows for Refunds, Fraud Alerts, and Settlement Reconciliation."

Pricing

Simple, transparent pricing for Cybersource + 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 Cybersource

Integrating Cybersource 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

Core Entities & Intelligent Data Mapping for Cybersource & Sage Pay (Opayo)

Seamless data flow hinges on accurate and consistent mapping of critical entities between Cybersource, Sage Pay (Opayo), and your enterprise systems. Our iPaaS provides visual mapping tools and AI assistance to streamline this complex process.

Payment Transaction

The central record of a payment event (authorization, capture, refund, void).

Cybersource Fields

`transactionId` (Cybersource unique ID) `amount` `currency` `status` (`settled`, `declined`, `pending`) `authorizationCode` `paymentMethod` `merchantReferenceCode` (your internal order ID) `cardType` `cardLast4` `fraudScore` (from Decision Manager)

Sage Pay Fields

`transactionId` (Opayo unique ID) `vendorTxCode` (your internal order ID) `amount` `currency` `status` (`OK`, `NOTAUTHC`, `REJECTED`) `transactionType` (`Payment`, `Deferred`, `Refund`) `customerEmail` `paymentMethod` `cardType` `createdDate` `riskScore` (from Opayo fraud tools)

Mapping Notes

Crucial for financial reconciliation. `merchantReferenceCode` (Cybersource) and `vendorTxCode` (Opayo) are key for cross-referencing with ERP `orderId`. Status fields require careful mapping to a canonical `PaymentStatus` in the ERP (e.g., 'Paid', 'Refunded', 'Failed').

Next Steps

See Cybersource + 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.

E-commerce Order-to-Cash with Dynamic Payment Routing & Fraud Screening

Automate the complete order-to-cash cycle from an eCommerce platform (e.g., Shopify, Adobe Commerce) through dynamic payment routing between Cybersource and Sage Pay (Opayo), incorporating real-time fraud screening, and synchronizing all data with an ERP.

Integration Steps:

  1. 0 Customer places order on eCommerce platform.
  2. 1 iPaaS intercepts order, analyzes transaction details (currency, region, payment method, customer history).
  3. 2 AI-driven logic within iPaaS dynamically selects optimal gateway (Cybersource or Opayo) and corresponding merchant account based on cost, success rate, and fraud risk profiles.
  4. 3 iPaaS initiates payment authorization via selected gateway (e.g., Cybersource's `/pts/v2/payments` or Opayo's `/api/v3/transactions`).
  5. 4 Transaction data is simultaneously submitted for fraud screening (Cybersource Decision Manager `/dm/v2/decisions` or Opayo's fraud indicators).
  6. 5 Payment success/failure and fraud decision are received by iPaaS via webhooks.
  7. 6 Order status, payment status, and fraud decision are updated in eCommerce and synchronized to ERP (e.g., as 'Sales Order' with 'Payment Received' status).
  8. 7 If fraud detected, a case is created in CRM/case management system.

Business Outcome

Maximized payment success rates, reduced fraud losses, accelerated order fulfillment, real-time financial transparency, and improved customer satisfaction.

Frequency

Real-time, event-driven

Business Value

Key Integration Benefits

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

Boost Payment Success Rates
Leverage dynamic payment routing and AI insights to intelligently select the best gateway (Cybersource or Opayo) for each transaction, maximizing authorization rates.
Reduce Fraud & Chargebacks
Combine the fraud detection capabilities of both Cybersource Decision Manager and Opayo's tools with AI for proactive, multi-layered fraud prevention and automated chargeback dispute management.
Accelerate Financial Close
Automate daily settlement reconciliation from both gateways with your ERP, flagging discrepancies for quick resolution and eliminating manual data entry.
Enhance Operational Efficiency
Automate end-to-end payment workflows, from order capture to refunds and recurring billing, freeing up finance and customer service teams.
Ensure PCI DSS Compliance
Minimize your PCI scope by utilizing Cybersource and Opayo's secure tokenization services, ensuring sensitive card data never touches your internal systems.
Gain Unified Payment Insights
Centralize all payment data from both gateways into a single source, providing comprehensive dashboards and AI-driven analytics for strategic decision-making.
✨

Boost Payment Success Rates

Up to 15% increase Authorization Rate

📋 What You Get

Leverage dynamic payment routing and AI insights to intelligently select the best gateway (Cybersource or Opayo) for each transaction, maximizing authorization rates.

💼 Business Impact

This benefit directly contributes to Up to 15% increase improvement in Authorization Rate, 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 /pts/v2/payments Initiate payment authorization or capture.
POST /pts/v2/payments/{id}/captures Capture a previously authorized payment.
POST /pts/v2/payments/{id}/refunds Process full or partial refunds.
POST /tss/v2/tokens Tokenize sensitive payment card data.
POST /dm/v2/decisions Submit transaction for fraud screening.
POST (iPaaS listener) Webhooks Real-time notifications for transaction status, fraud alerts.

⚡ Transformation Logic

  • Status Harmonization: Map gateway-specific transaction statuses (e.g., 'settled', 'OK', 'declined', 'REJECTED') to a unified `EnterprisePaymentStatus` (e.g., 'Paid', 'Refunded', 'Failed', 'Pending Review').
  • ID Mapping: Ensure `merchantReferenceCode` (Cybersource) and `vendorTxCode` (Opayo) are consistently mapped to `ERP.OrderID` and `CRM.OrderReferenceID`.
  • Address Standardization: Cleanse and standardize billing/shipping address formats before syncing to ERP/CRM.
  • Currency Conversion: If operating in multiple currencies, apply real-time or batch currency conversion rules as needed for financial reporting.
  • Fraud Score Consolidation: Combine `fraudScore` (Cybersource) and `riskScore` (Opayo) into a single, weighted `UnifiedFraudScore` for centralized risk assessment.

🛡️ Error Handling

  • Payment gateway temporary unavailability (handled by retries).
  • Insufficient funds/card declined (notified to user/CRM).
  • Fraudulent transaction detected (creates fraud case, blocks payment).
  • Data mapping errors (flagged for review/correction).
  • API rate limit exceeded (handled by queuing and backoff).
  • System downtime in ERP/CRM (messages queued for later processing).
Support & Information

Frequently Asked Questions

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

General Integration FAQs

▸ Why integrate Cybersource and Sage Pay (Opayo) with an iPaaS?
Integrating both payment gateways via an iPaaS centralizes your payment operations, allowing for intelligent transaction routing, unified fraud management, automated reconciliation, and seamless data flow to your ERP/CRM. This eliminates silos, reduces manual effort, and optimizes payment performance across your business.

AI & Automation FAQs

▸ How does AI enhance Cybersource and Sage Pay (Opayo) integration?
AI augments the integration by enabling dynamic payment routing (selecting the best gateway), enhancing fraud detection (combining and analyzing fraud scores from both platforms), automating reconciliation anomaly detection, and providing intelligent suggestions for data mapping and error resolution, leading to smarter, more efficient payment operations.

Security & Compliance FAQs

▸ Is the integration PCI DSS compliant?
Yes, PCI DSS compliance is paramount. The integration leverages the secure tokenization services offered by both Cybersource and Sage Pay (Opayo), ensuring that sensitive cardholder data never touches your internal systems. Our iPaaS platform also adheres to strict security standards, minimizing your PCI scope and compliance burden.

Low-Code/No-Code FAQs

▸ Can I use low-code/no-code tools to manage this integration?
Absolutely. Our iPaaS features a visual, drag-and-drop interface, empowering business users (e.g., finance, operations) to design, deploy, and manage complex payment workflows for Cybersource and Opayo without extensive coding. This accelerates development and reduces reliance on IT resources.

Workflow Automation FAQs

▸ How are refunds and chargebacks handled across both gateways?
The iPaaS centralizes refund and chargeback processing. When a refund is initiated in your ERP/CRM, the iPaaS intelligently routes the request to the original gateway (Cybersource or Opayo). For chargebacks, it automates the creation of dispute cases and gathers evidence from relevant systems (ERP, CRM) for submission.

Data Synchronization FAQs

▸ What data entities are synchronized between Cybersource, Sage Pay (Opayo), and my other systems?
Key entities synchronized include Payment Transactions (authorizations, captures, refunds), Payment Tokens, Customer Profiles, Orders (from eCommerce/ERP), and Fraud Cases. The iPaaS ensures these entities are consistently mapped and updated across Cybersource, Opayo, your ERP, CRM, and eCommerce platforms.

Performance FAQs

▸ How does the integration handle API rate limits from Cybersource and Opayo?
Our iPaaS incorporates intelligent rate limit management, including message queuing to buffer requests, smart batching for non-real-time operations, and exponential backoff for transient errors. This ensures high throughput without exceeding the API limits of either Cybersource or Opayo.

Monitoring & Governance FAQs

▸ What kind of monitoring and alerting is available for the integration?
The iPaaS provides comprehensive monitoring dashboards that offer real-time visibility into transaction volumes, success rates, latency, and error rates across both Cybersource and Sage Pay (Opayo). Customizable alerts notify relevant teams immediately of any critical failures or performance degradations.
Pricing

Simple, transparent pricing for Cybersource + 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 Cybersource + 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