{"id":40848,"date":"2025-09-24T09:00:03","date_gmt":"2025-09-24T07:00:03","guid":{"rendered":"https:\/\/www.striped-giraffe.com\/?p=40848"},"modified":"2026-02-18T12:12:01","modified_gmt":"2026-02-18T11:12:01","slug":"how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture","status":"publish","type":"post","link":"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/","title":{"rendered":"How to Integrate SAP Digital Payments into Your E-Commerce Architecture"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;1\/3&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<\/p>\n<h3 style=\"font-weight: bold; color: #ef6c00;\">Behind every seamless online payment stands a complex integration of systems, data, and processes \u2014 here\u2019s how we built it for a global B2B leader using SAP Digital Payments.<\/h3>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text css=&#8221;.vc_custom_1771413000261{margin-top: 20px !important;margin-right: 20px !important;margin-bottom: 20px !important;margin-left: 20px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 40px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;border-left-color: #000000 !important;border-left-style: solid !important;border-right-color: #000000 !important;border-right-style: solid !important;border-top-color: #000000 !important;border-top-style: solid !important;border-bottom-color: #000000 !important;border-bottom-style: solid !important;}&#8221;]<strong>Why SAP Digital Payments Matters for B2B<\/strong><\/p>\n<ul>\n<li>Unified payment data management in SAP ERP<\/li>\n<li>Faster rollouts in new markets through flexible PSP integration<\/li>\n<li>Compliance assurance (local regulations, PCI DSS)<\/li>\n<li>Improved conversion thanks to stable checkout processes<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]In the <a href=\"https:\/\/www.striped-giraffe.com\/en\/blog\/sap-digital-payments-enabling-secure-scalable-and-future-ready-payment-processes\/\" target=\"_blank\" rel=\"noopener\">first part of our series<\/a>, we explained what SAP Digital Payments (SAP DP) is and highlighted its <strong>business value<\/strong> for companies managing payments across multiple markets.<\/p>\n<p>Now, in the second part, we open the \u201ctechnical kitchen.\u201d We will show how to actually integrate SAP DP with an e-commerce system and design workflows that ensure <strong>security<\/strong>, <strong>flexibility<\/strong>, and <strong>compliance<\/strong> \u2014 all without disrupting the customer journey.<\/p>\n<p>To make this tangible, we take you behind the scenes of a real project we delivered for one of our clients: a global B2B giant running e-commerce operations in numerous local markets. The company needed a solution that could flexibly adapt payment methods and providers to each country\u2019s specific business and regulatory requirements.<\/p>\n<p>Why is this topic so important? Because <strong>payments in e-commerce are among the most complex processes to handle<\/strong>. They involve user experience, order management in the backend, ERP accounting, reconciliation, regulatory compliance, and customer service. A single weak link can lead to serious operational and financial risks. And in B2B \u2014 where order values are often much higher than in B2C \u2014 the stakes are even greater.<\/p>\n<p>Through the intricacies of SAP Digital Payments, we will be guided by our expert \u2014 <strong>Damian Wo\u017aniak<\/strong>, <strong>Technical Architect at Striped Giraffe<\/strong>. [\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_row_inner css=&#8221;.vc_custom_1755213264967{border-bottom-width: 20px !important;}&#8221;][vc_column_inner][vc_single_image image=&#8221;40775&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1757927139231{border-bottom-width: 20px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>DAMIAN WO\u0179NIAK<\/strong><br \/>\nTechnical Architect<br \/>\nStriped Giraffe<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<h2 class=\"headline_superbig\">Two Integration Models<\/h2>\n<p>As we mentioned in the <a href=\"https:\/\/www.striped-giraffe.com\/en\/blog\/sap-digital-payments-enabling-secure-scalable-and-future-ready-payment-processes\/\" target=\"_blank\" rel=\"noopener\">first part of this series<\/a>, there are two integration models that SAP offers to connect an e-commerce platform with SAP Digital Payments:<\/p>\n<ol>\n<li>Payment Page<\/li>\n<li>Direct PSP Connection<\/li>\n<\/ol>\n<p>Both models have different implications for <strong>architecture<\/strong>, <strong>user experience<\/strong>, and <strong>operational processes<\/strong>. Our customer decided to implement and test both approaches to evaluate their strengths and weaknesses.[\/vc_column_text][vc_column_text]<\/p>\n<h2><strong>Model 1: Payment Page<\/strong><\/h2>\n<p>The Payment Page model is <strong>PSP-agnostic<\/strong>. This means that the e-commerce application does not need to know which specific <strong>payment service provider (PSP)<\/strong> is being used. The entire customer payment process is handled through SAP DP interfaces.<\/p>\n<p>Once a payment transaction is completed, all required payment data is retrieved from SAP DP and sent along with the order data to the <strong>SAP S\/4HANA<\/strong> system. SAP S\/4HANA can then execute further actions for the transaction, such as refunds.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h3><strong>Figure 1. SAP DP Payment Page Integration Model<\/strong><\/h3>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;40893&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]SAP provides a <strong>JavaScript library<\/strong> called <strong>DPJSLIB<\/strong>. It is responsible for rendering the payment page in a dedicated window. The content inside this window is served directly by the integrated PSP. This means that every new PSP integration requires coordination with the PSP team to build such a page according to business and UX\/UI requirements.<\/p>\n<p>DPJSLIB also enables the application to load all available payment methods configured in the SAP DP administration panel. Based on these options, the user can select the payment method they prefer.<\/p>\n<p>In addition, SAP provides <strong>REST endpoints<\/strong> that allow the integrated system to initiate a payment transaction and check its status.[\/vc_column_text][vc_column_text]<\/p>\n<h2><strong>Model 2: Direct PSP Connection<\/strong><\/h2>\n<p>In the Direct PSP Connection model, the e-commerce application integrates directly with a specific PSP, without SAP DP in the middle of the transaction process. SAP DP operates only on the backend layer, supporting <strong>financial operations after the order<\/strong> has been placed.<\/p>\n<p>SAP DP is informed about transactions executed directly with the PSP via dedicated endpoints exposed by SAP. These are used to pair the transaction with SAP DP through an adapter.<\/p>\n<p>In this model, the <strong>entire payment process is controlled by the PSP<\/strong>. As a result, the UI and overall user experience depend on the PSP chosen.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h3><strong>Figure 2. SAP DP Direct PSP Integration Model<\/strong><\/h3>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;40895&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<table>\n<tbody>\n<tr>\n<th><strong>Model<\/strong><\/th>\n<th><strong>Advantages<\/strong><\/th>\n<th><strong>Challenges<\/strong><\/th>\n<th><strong>Best Fit For<\/strong><\/th>\n<\/tr>\n<tr>\n<td><strong>Payment Page<\/strong><\/td>\n<td>PSP-agnostic, faster rollout, easier switching<\/td>\n<td>Limited PSP-specific features<\/td>\n<td>Companies with multiple markets and high flexibility needs<\/td>\n<\/tr>\n<tr>\n<td><strong>Direct PSP<\/strong><\/td>\n<td>Full PSP functionality, customized checkout UX<\/td>\n<td>Higher development effort, less standardization<\/td>\n<td>Companies requiring tailored payment journeys<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h2 class=\"headline_superbig\">Integrating SAP DP Payment Page with the E-commerce System<\/h2>\n<p>Since our client already operated on <strong>SAP Commerce<\/strong>, this project was based on that platform. Still, it\u2019s important to note that the same approach could be successfully implemented with other e-commerce systems such as <strong>Adobe Commerce\/Magento<\/strong>, <strong>Shopify<\/strong> or <strong>Salesforce Commerce Cloud<\/strong>.<\/p>\n<h3><strong>Step 1: Loading Payment Methods<\/strong><\/h3>\n<p>We injected the <strong>DPJSLIB script<\/strong> into the frontend application. This is a mandatory step to load digital payment methods and render the payment page served by the PSP.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text css=&#8221;.vc_custom_1771413068949{margin-top: 20px !important;margin-right: 20px !important;margin-bottom: 20px !important;margin-left: 20px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 40px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;border-left-color: #000000 !important;border-left-style: solid !important;border-right-color: #000000 !important;border-right-style: solid !important;border-top-color: #000000 !important;border-top-style: solid !important;border-bottom-color: #000000 !important;border-bottom-style: solid !important;}&#8221;]<strong>Technical Note: DPJSLIB<\/strong><\/p>\n<ul>\n<li>SAP\u2019s JavaScript library for rendering the payment window<\/li>\n<li>Loads all payment methods configured in SAP DP<\/li>\n<li>Payment window content is served directly by the PSP<\/li>\n<li>Requires close coordination with PSP teams for UX\/UI setup<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h3><strong>Step 2: Communication with SAP DP<\/strong><\/h3>\n<p>To communicate with SAP DP endpoints, we developed a <strong>REST service (Microservice #1)<\/strong>. This centralized unit manages all communication and is especially useful when planning to integrate multiple applications across the architecture landscape with SAP DP.<\/p>\n<p>The service connects to <strong>AWS Secret Manager<\/strong>, where SAP client credentials are securely stored. Importantly, the commerce system itself is not connected to the PSP directly. This separation makes it easier to maintain and switch PSPs based on business needs.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h3><strong>Figure 3. Payment Page Solution Architecture<\/strong><\/h3>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;40870&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h3><strong>Step 3: Order Placement in ERP<\/strong><\/h3>\n<p>Microservice #1 and SAP Commerce work together to check payment transaction status. In case of success, they trigger order placement.<\/p>\n<p>To place an order in <strong>SAP ERP<\/strong>, we leveraged an existing <strong>middleware REST service (Microservice #2)<\/strong>, which we customized to meet the project\u2019s requirements. This service is responsible for various order-related actions and can be called by SAP Commerce when needed.<\/p>\n<h3><strong>Step 4: Communication Flow<\/strong><\/h3>\n<p>The frontend communicates with Microservice #1 and SAP Commerce via <strong>GraphQL<\/strong>. This wrapper simplifies data aggregation and API call execution.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h3><strong>Figure 4. Payment Page Sequence Flow <\/strong><\/h3>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;40872&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;zoom&#8221;][vc_column_text]<\/p>\n<p style=\"font-size: 0.8em; font-color: #666666;\">(Hover over the diagram to zoom into specific areas. A high-resolution version is also available for download in <a href=\"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2025\/09\/SAP-Digital-Payments-implementation-figure-4-Payment-Page-Sequence-Flow.pdf\" target=\"_blank\" rel=\"noopener\">PDF<\/a> and <a href=\"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2025\/09\/SAP-Digital-Payments-implementation-figure-4-Payment-Page-Sequence-Flow.png\" target=\"_blank\" rel=\"noopener\">PNG<\/a> formats.)<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h2><strong>How the Payment Page Flow Works<\/strong><\/h2>\n<h3><strong>1. Checkout page opens<\/strong><\/h3>\n<p>The customer navigates to the checkout page, which requires payment to complete the order. At this stage, the frontend simply renders the already available content.<\/p>\n<h3><strong>2. Initiating the payment transaction<\/strong><\/h3>\n<p>Using <strong>GraphQL<\/strong> and <strong>Microservice #1<\/strong>, the frontend calls the relevant <strong>SAP DP endpoint<\/strong>s to initiate the payment. In return, it receives two key elements: the <strong>transaction data<\/strong> and the <strong>DPJSLIB URL<\/strong>.<\/p>\n<h3><strong>3. Injecting DPJSLIB<\/strong><\/h3>\n<p>The frontend injects the <strong>DPJSLIB script<\/strong> into its codebase.<\/p>\n<h3><strong>4. Loading available payment methods<\/strong><\/h3>\n<p>Dedicated functions from <strong>DPJSLIB<\/strong> are then used to load all the available payment methods configured in <strong>SAP DP<\/strong>.<\/p>\n<h3><strong>5. Presenting payment options to the customer<\/strong><\/h3>\n<p>The payment methods are displayed directly in the customer\u2019s browser.<\/p>\n<h3><strong>6. Payment selection<\/strong><\/h3>\n<p>The customer chooses their preferred payment method.<\/p>\n<h3><strong>7. Order confirmation<\/strong><\/h3>\n<p>Once the customer confirms the order, the frontend executes a dedicated <strong>DPJSLIB<\/strong> function that opens a <strong>payment window served by the PSP<\/strong>.<\/p>\n<h3><strong>8. Draft order<\/strong><\/h3>\n<p>At the same time, the system proactively submits a <strong>draft order<\/strong> to <strong>Microservice #2<\/strong> via <strong>GraphQL<\/strong> and <strong>SAP Commerce<\/strong>. This order is not yet finalized \u2014 it is waiting for payment confirmation. Meanwhile, <strong>SAP Commerce triggers the payment finalization thread in Microservice #1<\/strong>.<\/p>\n<h3><strong>9. User completes actions in PSP window<\/strong><\/h3>\n<p>After the customer finishes all actions in the PSP payment window, a <strong>JavaScript promise<\/strong> is sent back to the frontend.<\/p>\n<p>\u26a0\ufe0f Important: This promise only confirms that the user\u2019s interaction has ended \u2014 <strong>it does not guarantee a successful payment<\/strong>. Final confirmation still has to come from SAP DP via dedicated endpoints. If the transaction fails early, the JS promise will return an error status, enabling the system to notify the customer immediately.<\/p>\n<h3><strong>10. Backend finalization thread<\/strong><\/h3>\n<p>At this point, the <strong>payment finalization thread<\/strong> in <strong>Microservice #1<\/strong> checks the transaction status directly through <strong>SAP DP<\/strong>.<\/p>\n<ul>\n<li>If <strong>successful<\/strong> \u2192 the final order is placed in <strong>SAP ERP<\/strong> (via <strong>SAP Commerce<\/strong> and <strong>Microservice #2<\/strong>).<\/li>\n<li>If the status is <strong>\u201cin progress\u201d<\/strong> \u2192 the system retries the request until a final outcome is received.<\/li>\n<li>If <strong>unsuccessful<\/strong> \u2192 the system triggers customer alerts and notifications.<\/li>\n<\/ul>\n<h3><strong>11. Frontend status checks<\/strong><\/h3>\n<p>In parallel, the frontend also begins checking the <strong>final payment status<\/strong> via <strong>GraphQL<\/strong> and <strong>Microservice #1<\/strong>. Depending on the status retrieved, the system responds accordingly:<\/p>\n<ul>\n<li>Displays a <strong>success page<\/strong> if the payment is confirmed.<\/li>\n<li>Shows an <strong>error page<\/strong> or <strong>triggers another status check<\/strong> if the result is still pending, often accompanied by a loading animation to keep the customer informed.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h2><strong>Potential Pitfalls in the Payment Page Model<\/strong><\/h2>\n<p>Even with careful planning, several challenges can occur:<\/p>\n<h3><strong>Browser or Network Failures<\/strong><\/h3>\n<p>The JavaScript promise may fail if the customer\u2019s browser crashes, if there\u2019s an internet outage, or if a frontend bug occurs. To prevent lost orders, we developed logic to <strong>proactively submit draft orders<\/strong>.<\/p>\n<p>Without this safeguard, payments could be processed without triggering an order submission \u2014 creating risks for both the business and the customer. A better long-term solution would be for SAP DP to provide a <strong>callback<\/strong> mechanism to notify the system about completed payments.<\/p>\n<h3><strong>Payment Method Filtering<\/strong><\/h3>\n<p>Currently, available payment methods are loaded only on the frontend via DPJSLIB. For complex B2B scenarios, it is often necessary to filter payment options per customer or region.<\/p>\n<p>A more scalable solution would be for SAP DP to offer a <strong>REST endpoint<\/strong> that returns all available methods. The integrated system could then apply filtering logic at the backend level.<\/p>\n<h3><strong>Payment Finalization<\/strong><\/h3>\n<p>At present, the system must continuously poll SAP DP endpoints to confirm payment status. This can create unnecessary load. A more efficient solution would again be <strong>callback notifications<\/strong>, where SAP DP pushes the final status to the backend.<\/p>\n<h3><strong>Other Important Considerations<\/strong><\/h3>\n<ul>\n<li><strong>SAP DP is not plug-and-pla<\/strong>y \u2013 Each PSP requires dedicated integration and close collaboration.<\/li>\n<li><strong>PSP software testing<\/strong> \u2013 Every PSP delivers its own software, which must be thoroughly tested to ensure functionality.<\/li>\n<li><strong>Local regulations<\/strong> \u2013 Each country has unique rules that must be complied with.<\/li>\n<li><strong>Transaction times vary<\/strong> \u2013 Performance depends on PSP software, network conditions, and integration specifics.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h2 class=\"headline_superbig\">Integrating SAP DP Direct PSP with the E-commerce System<\/h2>\n<p>In this model, the frontend integrates directly with the PSP. There is no universal guideline because every PSP works differently. To decouple business logic, we implemented a <strong>dedicated middleware REST service (Microservice #1)<\/strong> between the e-commerce platform and PSP.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h3><strong>Figure 5. Direct PSP Solution Architecture<\/strong><\/h3>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;40874&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h3><strong>Step 1. Payment completed at the PSP<\/strong><\/h3>\n<p>The payment process is executed entirely by the chosen PSP. The final payment status is usually communicated via <strong>dedicated PSP webhooks<\/strong>, which confirm whether the transaction was successful or not.<\/p>\n<h3><strong>Step 2. Making SAP DP aware of the transaction<\/strong><\/h3>\n<p>Since the payment bypasses SAP DP during the checkout, the system does not automatically know that the transaction has taken place. To solve this, <strong>SAP provides dedicated endpoints<\/strong> that can be used to register (or \u201cpair\u201d) the PSP transaction with SAP DP.<\/p>\n<h3><strong>Step 3. Middleware handles the pairing<\/strong><\/h3>\n<p>In our customer\u2019s solution, this step is handled by a dedicated <strong>Microservice #3<\/strong>. It listens for the PSP\u2019s webhook notifications, collects the necessary payment details, and calls the SAP DP endpoints to create a corresponding transaction record inside SAP DP.<\/p>\n<h3><strong>Step 4. Transaction created in SAP DP<\/strong><\/h3>\n<p>Once paired, SAP DP creates a new internal transaction object representing the payment. At this stage, <strong>SAP DP enriches the record with its own identifiers<\/strong> such as tokens, authorization numbers, and other metadata needed for further financial processing.<\/p>\n<h3><strong>Step 5. Pushing data to SAP ERP<\/strong><\/h3>\n<p>After the transaction has been successfully created in SAP DP, all payment details are forwarded to <strong>SAP ERP<\/strong>, along with the corresponding order data. This flow is orchestrated by the e-commerce platform in combination with <strong>Microservice #2<\/strong>.<\/p>\n<h3><strong>Step 6. Enabling financial operations in ERP<\/strong><\/h3>\n<p>With both order and payment data now present in SAP ERP, the <strong>SAP DP module<\/strong> ensures smooth post-payment management. This includes activities such as reconciliation, accounting entries, or initiating refunds if necessary.<br \/>\n[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h3><strong>Figure 6. Direct PSP Sequence Flow<\/strong><\/h3>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_single_image image=&#8221;40876&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;zoom&#8221;][vc_column_text]<\/p>\n<p style=\"font-size: 0.8em; font-color: #666666;\">(Hover over the diagram to zoom into specific areas. A high-resolution version is also available for download in <a href=\"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2025\/09\/SAP-Digital-Payments-implementation-figure-6-Direct-PSP-Sequence-Flow.pdf\" target=\"_blank\" rel=\"noopener\">PDF<\/a> and <a href=\"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2025\/09\/SAP-Digital-Payments-implementation-figure-6-Direct-PSP-Sequence-Flow.png\" target=\"_blank\" rel=\"noopener\">PNG<\/a> formats.)<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text]<\/p>\n<h2><strong>Our Findings About Direct PSP<\/strong><\/h2>\n<ul>\n<li>Every new PSP requires new development work.<\/li>\n<li>However, you gain a <strong>more personalized UX\/UI<\/strong> compared to the Payment Page integration model, and you can use <strong>all PSP features<\/strong> because you are not limited by any intermediary interfaces.<\/li>\n<li>Clearer responsibility: the PSP owns the entire payment journey, reducing ambiguity in case of defects.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h2 class=\"headline_superbig\">Conclusion<\/h2>\n<p>Our client\u2019s project proved that <strong>both models have their place<\/strong>.<\/p>\n<ul>\n<li><strong>Payment Page<\/strong> \u2192 faster rollouts, easier PSP switching, less complexity for commerce teams.<\/li>\n<li><strong>Direct PSP Connection<\/strong> \u2192 maximum control, richer PSP-specific features, but higher development effort.<\/li>\n<\/ul>\n<p>In either case, <strong>SAP Digital Payments remains the backbone<\/strong>, ensuring that all payment data flows securely into SAP ERP. This enables consistent accounting, refunds, and compliance \u2014 no matter how many PSPs are involved.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text css=&#8221;.vc_custom_1771413118781{margin-top: 20px !important;margin-right: 20px !important;margin-bottom: 20px !important;margin-left: 20px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 40px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;border-left-color: #000000 !important;border-left-style: solid !important;border-right-color: #000000 !important;border-right-style: solid !important;border-top-color: #000000 !important;border-top-style: solid !important;border-bottom-color: #000000 !important;border-bottom-style: solid !important;}&#8221;]<strong>Which Model Fits Your Needs?<\/strong><\/p>\n<ul>\n<li><strong>Payment Page<\/strong> \u2192 if you need flexibility and fast PSP switching.<\/li>\n<li><strong>Direct PSP<\/strong> \u2192 if you want maximum control and full PSP features.<\/li>\n<li><strong>SAP DP<\/strong> \u2192 remains the backbone in both cases, ensuring security, accounting, and compliance.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_column_text css=&#8221;.vc_custom_1771412642159{border-top-width: 1px !important;padding-top: 40px !important;border-top-color: #000000 !important;border-top-style: solid !important;}&#8221;]<\/p>\n<h3><strong>You might also like:<\/strong><\/h3>\n<ul>\n<li>SAP Digital Payments: Enabling Secure, Scalable, and Future-Ready Payment Processes <a href=\"https:\/\/www.striped-giraffe.com\/en\/blog\/sap-digital-payments-enabling-secure-scalable-and-future-ready-payment-processes\/\">\u00bb Learn more<\/a><\/li>\n<li>System Integration, Part 1: Benefits and Challenges of IT System Integration <a href=\"https:\/\/www.striped-giraffe.com\/en\/blog\/it-systems-integration-benefits-challenges-solutions-for-scalable-business-growth\/\">\u00bb Learn more<\/a><\/li>\n<li>Post-Accelerator Frontend Strategies for New SAP Commerce Storefront <a href=\"https:\/\/www.striped-giraffe.com\/en\/blog\/post-accelerator-frontend-strategies-for-new-sap-commerce-storefront\/\">\u00bb Learn more<\/a><\/li>\n<li>7 key benefits of data sharing in e-commerce <a href=\"https:\/\/www.striped-giraffe.com\/en\/blog\/7-key-benefits-of-data-sharing-in-e-commerce\/\">\u00bb Learn more<\/a><\/li>\n<li>Technology hacks for cost savings in e-commerce <a href=\"https:\/\/www.striped-giraffe.com\/en\/blog\/technology-hacks-for-cost-savings-in-e-commerce\/\">\u00bb Learn more<\/a><\/li>\n<li>Search in B2B e-commerce can be a strategic differentiator <a href=\"https:\/\/www.striped-giraffe.com\/en\/blog\/search-in-b2b-e-commerce-can-be-a-strategic-differentiator\/\">\u00bb Learn more<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;1\/3&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text] Behind every seamless online payment stands a complex integration of systems, data, and processes \u2014 here\u2019s how [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[95],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.5 (Yoast SEO v20.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Integrate SAP Digital Payments into Your E-Commerce Architecture<\/title>\n<meta name=\"description\" content=\"SAP Digital Payments integration explained: discover two models for ERP, e-commerce, and payment service providers (PSPs).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Integrate SAP Digital Payments into Your E-Commerce Architecture\" \/>\n<meta property=\"og:description\" content=\"SAP Digital Payments integration explained: discover two models for ERP, e-commerce, and payment service providers (PSPs).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/\" \/>\n<meta property=\"og:site_name\" content=\"Striped Giraffe\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-24T07:00:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-18T11:12:01+00:00\" \/>\n<meta name=\"author\" content=\"Striped Giraffe Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Striped Giraffe Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/\"},\"author\":{\"name\":\"Striped Giraffe Team\",\"@id\":\"https:\/\/www.striped-giraffe.com\/de\/#\/schema\/person\/21314fc1f246d9b252c9fa2fbb6e85fa\"},\"headline\":\"How to Integrate SAP Digital Payments into Your E-Commerce Architecture\",\"datePublished\":\"2025-09-24T07:00:03+00:00\",\"dateModified\":\"2026-02-18T11:12:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/\"},\"wordCount\":2869,\"publisher\":{\"@id\":\"https:\/\/www.striped-giraffe.com\/de\/#organization\"},\"articleSection\":[\"E-commerce\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/\",\"url\":\"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/\",\"name\":\"How to Integrate SAP Digital Payments into Your E-Commerce Architecture\",\"isPartOf\":{\"@id\":\"https:\/\/www.striped-giraffe.com\/de\/#website\"},\"datePublished\":\"2025-09-24T07:00:03+00:00\",\"dateModified\":\"2026-02-18T11:12:01+00:00\",\"description\":\"SAP Digital Payments integration explained: discover two models for ERP, e-commerce, and payment service providers (PSPs).\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.striped-giraffe.com\/de\/#website\",\"url\":\"https:\/\/www.striped-giraffe.com\/de\/\",\"name\":\"Striped Giraffe\",\"description\":\"Ihr zuverl\u00e4ssiger Anbieter f\u00fcr digitale Enterprise-L\u00f6sungen\",\"publisher\":{\"@id\":\"https:\/\/www.striped-giraffe.com\/de\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.striped-giraffe.com\/de\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.striped-giraffe.com\/de\/#organization\",\"name\":\"Striped Giraffe\",\"url\":\"https:\/\/www.striped-giraffe.com\/de\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.striped-giraffe.com\/de\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2021\/01\/giraffe_white.svg\",\"contentUrl\":\"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2021\/01\/giraffe_white.svg\",\"caption\":\"Striped Giraffe\"},\"image\":{\"@id\":\"https:\/\/www.striped-giraffe.com\/de\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.striped-giraffe.com\/de\/#\/schema\/person\/21314fc1f246d9b252c9fa2fbb6e85fa\",\"name\":\"Striped Giraffe Team\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.striped-giraffe.com\/de\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2021\/01\/avatar_giraffe_v2-96x96.jpg\",\"contentUrl\":\"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2021\/01\/avatar_giraffe_v2-96x96.jpg\",\"caption\":\"Striped Giraffe Team\"},\"url\":\"https:\/\/www.striped-giraffe.com\/en\/blog\/author\/striped-giraffe\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How to Integrate SAP Digital Payments into Your E-Commerce Architecture","description":"SAP Digital Payments integration explained: discover two models for ERP, e-commerce, and payment service providers (PSPs).","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/","og_locale":"en_US","og_type":"article","og_title":"How to Integrate SAP Digital Payments into Your E-Commerce Architecture","og_description":"SAP Digital Payments integration explained: discover two models for ERP, e-commerce, and payment service providers (PSPs).","og_url":"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/","og_site_name":"Striped Giraffe","article_published_time":"2025-09-24T07:00:03+00:00","article_modified_time":"2026-02-18T11:12:01+00:00","author":"Striped Giraffe Team","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Striped Giraffe Team","Est. reading time":"11 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/#article","isPartOf":{"@id":"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/"},"author":{"name":"Striped Giraffe Team","@id":"https:\/\/www.striped-giraffe.com\/de\/#\/schema\/person\/21314fc1f246d9b252c9fa2fbb6e85fa"},"headline":"How to Integrate SAP Digital Payments into Your E-Commerce Architecture","datePublished":"2025-09-24T07:00:03+00:00","dateModified":"2026-02-18T11:12:01+00:00","mainEntityOfPage":{"@id":"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/"},"wordCount":2869,"publisher":{"@id":"https:\/\/www.striped-giraffe.com\/de\/#organization"},"articleSection":["E-commerce"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/","url":"https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/","name":"How to Integrate SAP Digital Payments into Your E-Commerce Architecture","isPartOf":{"@id":"https:\/\/www.striped-giraffe.com\/de\/#website"},"datePublished":"2025-09-24T07:00:03+00:00","dateModified":"2026-02-18T11:12:01+00:00","description":"SAP Digital Payments integration explained: discover two models for ERP, e-commerce, and payment service providers (PSPs).","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.striped-giraffe.com\/en\/blog\/how-to-integrate-sap-digital-payments-into-your-e-commerce-architecture\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.striped-giraffe.com\/de\/#website","url":"https:\/\/www.striped-giraffe.com\/de\/","name":"Striped Giraffe","description":"Ihr zuverl\u00e4ssiger Anbieter f\u00fcr digitale Enterprise-L\u00f6sungen","publisher":{"@id":"https:\/\/www.striped-giraffe.com\/de\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.striped-giraffe.com\/de\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.striped-giraffe.com\/de\/#organization","name":"Striped Giraffe","url":"https:\/\/www.striped-giraffe.com\/de\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.striped-giraffe.com\/de\/#\/schema\/logo\/image\/","url":"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2021\/01\/giraffe_white.svg","contentUrl":"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2021\/01\/giraffe_white.svg","caption":"Striped Giraffe"},"image":{"@id":"https:\/\/www.striped-giraffe.com\/de\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.striped-giraffe.com\/de\/#\/schema\/person\/21314fc1f246d9b252c9fa2fbb6e85fa","name":"Striped Giraffe Team","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.striped-giraffe.com\/de\/#\/schema\/person\/image\/","url":"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2021\/01\/avatar_giraffe_v2-96x96.jpg","contentUrl":"https:\/\/www.striped-giraffe.com\/wp-content\/uploads\/2021\/01\/avatar_giraffe_v2-96x96.jpg","caption":"Striped Giraffe Team"},"url":"https:\/\/www.striped-giraffe.com\/en\/blog\/author\/striped-giraffe\/"}]}},"_links":{"self":[{"href":"https:\/\/www.striped-giraffe.com\/en\/wp-json\/wp\/v2\/posts\/40848"}],"collection":[{"href":"https:\/\/www.striped-giraffe.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.striped-giraffe.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.striped-giraffe.com\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.striped-giraffe.com\/en\/wp-json\/wp\/v2\/comments?post=40848"}],"version-history":[{"count":22,"href":"https:\/\/www.striped-giraffe.com\/en\/wp-json\/wp\/v2\/posts\/40848\/revisions"}],"predecessor-version":[{"id":42717,"href":"https:\/\/www.striped-giraffe.com\/en\/wp-json\/wp\/v2\/posts\/40848\/revisions\/42717"}],"wp:attachment":[{"href":"https:\/\/www.striped-giraffe.com\/en\/wp-json\/wp\/v2\/media?parent=40848"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.striped-giraffe.com\/en\/wp-json\/wp\/v2\/categories?post=40848"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.striped-giraffe.com\/en\/wp-json\/wp\/v2\/tags?post=40848"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}