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Unify Oracle & Opayo: AI-Powered Financial Automation for Mid-Market Growth

Streamline payment processing, accelerate cash application, and achieve real-time financial reconciliation with intelligent, low-code integration.

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The Challenge

The Disconnect: Why Manual Oracle & Opayo Operations Stifle Mid-Market Efficiency

For mid-market companies, the gap between payment processing in Opayo (Sage Pay) and financial management in Oracle creates significant operational friction. This disconnect leads to delayed revenue recognition, increased manual effort, and critical reporting blind spots.

  • Manual Cash Application Delays: Payments processed in Opayo require manual reconciliation and posting to Oracle Accounts Receivable, slowing down cash application and impacting cash flow visibility.
  • Fragmented Financial Data: Customer, order, and payment data reside in separate systems, making it challenging to achieve a 'Customer 360' view or consolidated financial reporting.
  • Error-Prone Reconciliation: Manually matching Opayo settlement reports with Oracle GL entries is time-consuming, susceptible to human error, and delays month-end close.
  • Slow Refund Processing: Initiating and tracking refunds across Opayo and Oracle requires multiple steps, leading to poor customer experience and potential accounting discrepancies.
  • Limited Fraud Visibility: Relying solely on Opayo's basic fraud tools without cross-referencing Oracle's historical customer data limits proactive fraud detection.
  • PCI DSS Compliance Burden: Handling payment data across multiple non-integrated systems increases the scope and complexity of maintaining PCI DSS compliance.
Integration Diagram
Solution Illustration
The Solution

The Intelligent Solution: Seamless Oracle & Opayo Integration with iPaaS

Our AI-powered iPaaS provides a unified, low-code platform to connect Oracle and Opayo, transforming your financial operations. From real-time payment processing to automated cash application and intelligent reconciliation, we eliminate manual bottlenecks and drive efficiency.

  • Real-time Payment Synchronization: Instantly sync Opayo `Payment Transactions` to Oracle `Payments` and `Invoices`.
  • Automated Cash Application: Accelerate cash flow by automatically applying Opayo payments to open invoices in Oracle AR.
  • AI-Driven Reconciliation: Leverage AI to match Opayo `Settlement Batches` with Oracle GL entries, flagging discrepancies proactively.
  • Low-Code Workflow Automation: Empower finance and operations teams to build and customize integration workflows without extensive coding.
  • Enhanced Fraud Detection: Combine Opayo `Fraud Indicators` with Oracle customer data for a comprehensive, AI-enhanced risk assessment.
Implementation Timeline

Go live with Sage Pay + Oracle 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 Sage Pay and Oracle, 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 Sage Pay + Oracle deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

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

Comprehensive Solution Details

  • Real-time Payment Synchronization: Instantly sync Opayo `Payment Transactions` to Oracle `Payments` and `Invoices`.
  • Automated Cash Application: Accelerate cash flow by automatically applying Opayo payments to open invoices in Oracle AR.
  • AI-Driven Reconciliation: Leverage AI to match Opayo `Settlement Batches` with Oracle GL entries, flagging discrepancies proactively.
  • Low-Code Workflow Automation: Empower finance and operations teams to build and customize integration workflows without extensive coding.
  • Enhanced Fraud Detection: Combine Opayo `Fraud Indicators` with Oracle customer data for a comprehensive, AI-enhanced risk assessment.
  • Secure & Compliant Data Handling: Ensure PCI DSS compliance with tokenization and robust security protocols for all payment data.
  • Bi-directional Data Flow: Maintain consistent `Customer`, `Order`, and `Refund` status across both systems.

Technical Integration Blueprint: Connecting Oracle & Opayo

Our iPaaS acts as the intelligent orchestration layer, facilitating secure, real-time, and robust data exchange between Oracle and Opayo. This section outlines the core technical approach.

Data Flow Steps

Connect & Authenticate: Establish secure connections to Oracle (e.g., Fusion Cloud REST APIs, EBS Integrated SOA Gateway) and Opayo (REST APIs) using appropriate authentication methods.

Define Workflows: Visually design end-to-end integration flows using the low-code editor for scenarios like Order-to-Cash, Refunds, and Reconciliation.

Map Data Schemas: Utilize AI-assisted mapping to define transformations between Opayo's `Payment Transaction` schema and Oracle's `Payment`, `Invoice`, and `Sales Order` entities.

Implement Business Logic: Add conditional logic, data validation rules, and enrichment steps specific to your business processes.

Configure Triggers: Set up Opayo webhooks for real-time payment events and configure Oracle Business Events or scheduled queries for outbound Oracle data.

Deploy & Monitor: Promote tested integrations from Dev/QA to Production, then monitor performance, errors, and data flow from centralized dashboards.

Data Touchpoints

Opayo `Payment Transaction` -> Oracle `Payment` / `Invoice`: Real-time posting of successful payments.
eCommerce `Order` -> Oracle `Sales Order` (via iPaaS) -> Opayo `Payment Transaction`: Order initiation and payment processing.
Opayo `Refund` -> Oracle `Invoice (AR - Credit Memo)`: Automated credit memo creation.
Opayo `Settlement Batch` -> Oracle `General Ledger (GL) Entry`: Daily reconciliation and financial posting.
Oracle `Customer` <-> Opayo `Customer`: Synchronization of customer master data.
Opayo `Fraud Indicator` -> iPaaS -> Oracle/FDS: Real-time fraud alert enrichment.

"The integration architecture centers around the iPaaS. Opayo initiates payment events (e.g., transaction success, refund) via webhooks to the iPaaS. The iPaaS then processes this data, applies transformations (often AI-assisted), and uses Oracle's REST APIs (for Fusion Cloud) or legacy interfaces (for EBS) to create/update records like Sales Orders, Invoices, and Payments. Conversely, processes initiated in Oracle (e.g., refund request) trigger the iPaaS to interact with Opayo's APIs. Daily, the iPaaS pulls Opayo settlement reports for reconciliation and GL posting in Oracle."

Pricing

Simple, transparent pricing for Sage Pay + Oracle.

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 Sage Pay

Integrating Sage Pay 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 for Oracle and Opayo

Seamless data flow relies on precise mapping of core business entities. Our iPaaS provides visual tools and AI assistance to ensure accurate, consistent data synchronization between Oracle and Opayo.

Payment Transaction (Opayo) <-> Payment / Invoice (Oracle)

The central entity for financial movements. Opayo processes the `Payment Transaction`, which needs to be recorded as a `Payment` and applied to an `Invoice` in Oracle AR.

Sage Pay Fields

PaymentID PaymentDate Amount Currency CustomerID PaymentMethod ReferenceID (e.g., InvoiceID) GLAccount

Oracle Fields

transactionId vendorTxCode amount currency status transactionType customerEmail paymentMethod cardType createdDate

Mapping Notes

`Opayo.transactionId` maps to `Oracle.ReferenceID` or a custom field for traceability. `Opayo.vendorTxCode` (your internal order ID) is crucial for linking to `Oracle.SalesOrderID` or `InvoiceID`. `Opayo.amount` maps directly to `Oracle.Amount`. `Opayo.status` (e.g., 'OK', 'PENDING') needs to be mapped to Oracle's internal payment statuses (e.g., 'Cleared', 'Unapplied').

Next Steps

See Sage Pay + Oracle 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-Cash Automation with Real-time AR Posting

Automate the complete order lifecycle from an eCommerce platform, through Opayo for payment processing, and into Oracle ERP for order fulfillment and accounting. This ensures real-time updates and data consistency across all systems.

Integration Steps:

  1. 0 Customer places order on eCommerce platform, payment processed via Opayo.
  2. 1 Opayo sends payment success webhook to iPaaS.
  3. 2 iPaaS creates `Sales Order` in Oracle, updates `Inventory` levels.
  4. 3 iPaaS generates and posts `Invoice (AR)` and `Payment` in Oracle Financials, linking to Opayo's `transactionId`.

Business Outcome

Accelerated cash flow, reduced manual AR, real-time inventory updates, improved order fulfillment speed.

Frequency

Real-time, Event-driven

Business Value

Key Integration Benefits

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

Accelerate Cash Application
Automatically post Opayo payments to Oracle AR, reducing manual effort by up to 80% and speeding up cash flow recognition.
Real-time Financial Visibility
Gain instant insights into payment statuses, sales orders, and AR balances across Oracle and Opayo for better decision-making.
Reduce Manual Effort & Errors
Eliminate manual data entry and reconciliation tasks, drastically cutting down on human errors and operational costs.
Enhance Fraud Detection
Leverage AI to combine Opayo fraud indicators with Oracle customer history for a more robust and proactive fraud prevention strategy.
Streamlined Reconciliation
Automate daily settlement report processing and GL posting, shortening the financial close cycle and ensuring accuracy.
Simplify PCI DSS Compliance
Utilize Opayo's tokenization and hosted pages, managed securely by the iPaaS, to reduce your PCI scope and compliance burden.
✨

Accelerate Cash Application

80% Reduction in manual cash application

📋 What You Get

Automatically post Opayo payments to Oracle AR, reducing manual effort by up to 80% and speeding up cash flow recognition.

💼 Business Impact

This benefit directly contributes to 80% improvement in Reduction in manual cash application, enabling your team to focus on high-value strategic initiatives.

Implementation Timeline

Go live with Sage Pay + Oracle 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 Sage Pay and Oracle, 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 Sage Pay + Oracle deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

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

Technical Documentation

API Endpoints & Data Logic

Technical details for developers and architects.

Method Endpoint Purpose
POST /fscmRestApi/resources/11.13.18.05/receivablesInvoices Create a new Accounts Receivable Invoice in Oracle Fusion Cloud Financials.
POST /fscmRestApi/resources/11.13.18.05/salesOrders Create or update a Sales Order in Oracle Fusion Cloud Order Management.
GET /fscmRestApi/resources/11.13.18.05/inventoryItems Retrieve inventory item details and current stock levels from Oracle Inventory.
POST /fscmRestApi/resources/11.13.18.05/customers Create a new customer record in Oracle Customer Master Data Management.
POST /fscmRestApi/resources/11.13.18.05/financials/generalLedgerJournals Post journal entries to Oracle General Ledger.
POST /fscmRestApi/resources/11.13.18.05/receivablesCashReceipts Create cash receipts for payment application in Oracle Financials.

⚡ Transformation Logic

  • Status Mapping: Opayo's `status` codes (e.g., 'OK', 'NOTAUTHED') are mapped to Oracle's standard `Payment` and `Invoice` statuses (e.g., 'Applied', 'Unapplied', 'Rejected').
  • Currency Conversion: If Opayo transactions are in a different currency than Oracle's primary ledger, real-time currency conversion is applied during data mapping using exchange rates from Oracle or an external service.
  • GL Account Derivation: Payment type, method, and transaction source from Opayo are used to derive the correct Oracle `GL Account` codes for debits and credits.
  • Address Normalization: Customer billing and shipping addresses from Opayo are parsed and formatted to align with Oracle's specific address structure, ensuring data quality for logistics and taxation.
  • VendorTxCode to Oracle ID: `Opayo.vendorTxCode` (internal order ID) is transformed to match `Oracle.SalesOrderID` or `Oracle.InvoiceID` for accurate linking.

🛡️ Error Handling

  • Opayo payment failure (e.g., card declined, fraud detected) -> iPaaS logs error, updates Oracle `Sales Order` status to 'Payment Failed', notifies customer.
  • Oracle API unavailability/error -> iPaaS retries with exponential backoff, if persistent, routes to DLQ and alerts IT.
  • Data mismatch (e.g., `vendorTxCode` not found in Oracle) -> iPaaS routes to manual review queue, logs details, and alerts finance.
  • Rate limit exceeded by Opayo/Oracle -> iPaaS automatically queues requests and retries with backoff, alerts if persistent.
Pricing

Simple, transparent pricing for Sage Pay + Oracle.

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
Support & Information

Frequently Asked Questions

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

Compatibility FAQs

▸ What Oracle versions are supported for integration with Opayo?
Our iPaaS supports integration with various Oracle ERP versions, including Oracle Fusion Cloud (leveraging its robust REST APIs) and Oracle E-Business Suite (EBS), often utilizing its Integrated SOA Gateway, XML Gateway, or direct database connections for legacy systems. We adapt to your specific Oracle environment.

Security & Compliance FAQs

▸ How does this integration ensure PCI DSS compliance for Opayo payments?
PCI DSS compliance is paramount. We leverage Opayo's native tokenization services and hosted payment pages, ensuring sensitive cardholder data never directly touches your systems. Our iPaaS platform is also PCI DSS Level 1 compliant, providing a secure environment for processing and transmitting payment-related data, minimizing your compliance burden.

Financial Automation FAQs

▸ Can I automate payment reconciliation with Opayo and Oracle General Ledger?
Absolutely. Our iPaaS automates the entire reconciliation process. It downloads Opayo's daily settlement reports, intelligently matches individual transactions against your Oracle Accounts Receivable payments, flags any discrepancies, and then automatically posts summarized or detailed journal entries to your Oracle General Ledger, significantly accelerating your financial close.

Low-Code/No-Code FAQs

▸ How do low-code/no-code tools help customize the Oracle-Opayo integration?
Our low-code/no-code tools empower your finance and operations teams to customize and extend integration workflows without extensive coding. You can visually define data mappings, add conditional logic, create custom validations, and even integrate with other applications, all through an intuitive drag-and-drop interface. This speeds up deployment and makes your operations more agile.

AI Capabilities FAQs

▸ What role does AI play in enhancing this integration?
AI significantly enhances the integration by providing intelligent field mapping suggestions, proactively detecting anomalies (e.g., potential fraud, reconciliation discrepancies), automating data validation against Oracle's rules, and even suggesting fixes for common integration errors. This reduces manual intervention, improves data quality, and provides predictive insights for better financial management.

Error Handling FAQs

▸ How are errors and failed transactions handled between Oracle and Opayo?
We implement a robust, multi-tiered error handling strategy. This includes automated retries with exponential backoff for transient failures, comprehensive logging of all errors, automated alerts to relevant teams for critical issues, and routing of unresolvable failed messages to a 'dead-letter queue' for manual investigation and reprocessing. This ensures data integrity and minimizes downtime.

Workflow Automation FAQs

▸ Can this integration support real-time inventory updates in Oracle based on sales?
Yes. While the primary focus is payments, the integration can extend to real-time inventory synchronization. Upon a successful `Sales Order` creation in Oracle (triggered by an Opayo payment), the iPaaS can update `Inventory` levels in Oracle SCM, ensuring accurate stock availability across all sales channels and preventing overselling.

Analytics & Reporting FAQs

▸ What kind of reporting and analytics are available for this integration?
Our iPaaS provides centralized dashboards for real-time monitoring of integration health, transaction volumes, and error rates. You'll gain insights into payment processing efficiency, cash application status, and reconciliation progress. AI-powered analytics can also offer predictive insights into cash flow and highlight potential fraud or reconciliation anomalies.
Implementation Timeline

Go live with Sage Pay + Oracle 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 Sage Pay and Oracle, 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 Sage Pay + Oracle deployments.

Project Phases

Discovery
Configure & Map
Validate
Launch

Engagement Model

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

Pricing

Simple, transparent pricing for Sage Pay + Oracle.

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
Next Steps

See Sage Pay + Oracle 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