In today’s digital landscape, ensuring secure and efficient payment processing is critical for businesses handling online transactions. Oracle Commerce Cloud (OCC) and Oracle E-Business Suite (EBS) offer a robust framework for managing credit card payments through a tokenization-based integration. This blog delves into the OCC to EBS payment processing flow, explaining the key steps, benefits, and technical considerations for handling transactions securely and efficiently.

Understanding Tokenization in OCC and EBS

One of the core aspects of this payment processing flow is credit card tokenization, which ensures that sensitive card details are never stored in raw format. Instead, a token (a unique identifier) replaces the card number, making transactions more secure and compliant with data protection regulations such as PCI DSS.

How Tokenization Works in OCC & EBS

• When a customer enters credit card details in OCC, the system generates a token instead of storing the actual card number.
• This token is then stored in OCC’s profile of the logged in user.
• The tokenized card information is securely transmitted to EBS, where it is used for payment processing and order remittance.
• Chase Paymentech API is used to process payments while ensuring security and fraud prevention.

Payment Flow for New Credit Cards

When a user enters a new credit card in OCC, the following steps ensure a seamless transaction experience:

1. Customer Input: User enters new credit card details at checkout.
2. Decision Point: System checks whether the user wants to save the card for future transactions.
3. OIC Endpoint Call: If saving is chosen, an OIC (Oracle Integration Cloud) call is made to create a credit card order.
4. Tokenization: The card is tokenized and stored securely in EBS TCA (Trading Community Architecture) Module.
5. Transaction Processing: OCC communicates with Chase Paymentech API to initiate payment remittance and receipts.
6. Order Completion: The transaction is completed, and the payment token is stored for reference.

Using Saved Credit Cards for Payments

For customers who have already saved their credit card information, the OCC to EBS payment flow is even more streamlined:

1. Card Selection: Customers choose a saved card during checkout (only the last four digits are displayed for security).
2. Token Retrieval: The token number linked to the saved card is retrieved from the EBS TCA Module.
3. Transaction Processing: OCC uses the token to process payments through Chase Paymentech API.
4. Payment Completion: The system verifies the transaction, processes the remittance, and finalizes the order.

EBS Credit Card Token Storage & Vaulting

How Tokens Are Managed in EBS

• Every new credit card entry creates an entry in EBS’s payment instrument table.
• The system checks if a matching token already exists to prevent duplication.
• A mod-10 algorithm generates a vault number, which is mapped to the token number.
• When a tokenized card is used for payment, the system retrieves the Instrument ID from the vault to process the payment securely.

Technical Considerations & API Integration

To enable smooth communication between OCC and EBS, the following API endpoints play a crucial role:

• Tokenization API: Generates and manages tokenized card details.
• OIC Endpoint Call: Handles secure data transmission between OCC and EBS.
• Chase Paymentech API: Processes payments while ensuring fraud protection.
• EBS Receivables Concurrent Program: Manages recurring payments using stored tokens.

Why This Integration Matters

• Enhanced Security – Tokenization ensures that sensitive card details are never exposed.
• PCI Compliance – Businesses remain compliant with payment security standards.
• Faster Transactions – Saved tokens reduce checkout friction, improving user experience.
• Seamless Data Flow – API-driven integration ensures smooth transaction processing between OCC and EBS.

The OCC to EBS payment processing flow is a well-structured, secure, and efficient approach to handling online payments. By leveraging credit card tokenization, OIC integration, and secure API calls, businesses can enhance security, improve transaction speed, and ensure compliance with global payment regulations.

Implementing this integration ensures that customers enjoy a smooth and secure checkout experience, while businesses benefit from efficient and secure payment processing.

Click here to learn more about this integration.

About Authorize.Net

Authorize.net is a payment gateway enables you to process payments in any way that works for your business, whether it’s through your website, mobile app, or manual transactions.

iBizSoft’s Oracle Commerce Cloud integration with Authorize.Net

Businesses require seamless flow of information and data throughout the organization. iBizSoft team has implemented integration of various Oracle Cloud applications with third party vendor applications. This article discusses one such integration between Oracle Commerce Cloud (OCC) and Authorize.Net Payment Gateway. OCC is a cloud-based e-commerce platform and Authorize.Net is a third party credit-card payment gateway. Shopping cart applications developed on OCC platform make credit card payments through Authorize.NET Gateway

There are two technical features that allow the integration between these two applications, WebHook in OCC and RESTful APIs from Authorize.NET Payment Gateway. When an OCC e-commerce shopping cart order is submitted for payment, the OCC platform calls the Web Service API configured in the WebHook for Payment Gateway. The Authorize.NET Payment Gateway processes this information and returns success or error message back to OCC. If the payment is successful, then OCC will continue completion of OCC order processing and send it for shipping. The order stays in an incomplete state, if there is an error when processing the Credit Cards. Highest level of security is maintained between the two applications. OCC is hosted on Oracle Cloud platform behind a firewall and communicates with third party applications using Secured Socket Layer (SSL) over HTTPS, wherein SSL encrypts data before transmitting the data within the cloud ecosystem. The receiving client decrypts this data with Private-Public key combination.

Click here to learn more about this integration

About Braintree

Braintree provides an all-in-one solution to accept, process, and split payments in your mobile app or online — from small business to large enterprise.

iBizSoft’s Oracle Commerce Cloud integration with Braintree

iBizSoft is agnostic to Cloud technology and the payment processors or gateways, a 1-stop-shop for all your functional and technical needs. Having implemented 300+ eCommerce storefronts for enterprise level customers, iBizSoft team has displayed its skills and abilities to integrate more than a dozen different payment integrations with Oracle Commerce Cloud.

Braintree Payment processor integration with Oracle Commerce Cloud is one such integration developed by iBizSoft that provides an out of the box solution for customers looking to spend less time and money with consulting services. Additionally, customers can offer this additional payment method to increase the online sales of their storefront hosted on Oracle Commerce Cloud. Braintree’s tokenization and vaulting of payment data help lessen the burden surrounding PCI DSS compliance requirements, , iBizSoft ensures credit card details are not stored on the OCC platform.

Expand your business globally and effortlessly integrate your OCC transactions into Braintree for an easy to view understanding of the transaction lifecycle through advanced reporting tools.

Click here to learn more about this integration

About Stripe

Stripe is a full-fledged payment service provider, it comes with everything you need to accept and process online payments. Stripe includes a payment gateway, payment processing service and merchant account. Stripe offers high-quality payment gateway services, which are reasonably easy to integrate with your e-commerce platform.

iBizSoft’s Oracle Commerce Cloud integration with Stripe

Businesses require seamless flow of information and data throughout the organization. iBizSoft team has implemented integration of various Oracle Cloud applications with third party vendor applications. This article discusses one such integration between Oracle Commerce Cloud (OCC) and Stripe Payment Gateway.

Designed with third-party integration in mind from the get-go, Stripe is an ideal choice for online businesses that accept various mobile or online transactions. Integrating Stripe with Oracle Commerce Cloud allows you to accept payments directly on your store for web and mobile. With Stripe, customers stay on your store during checkout instead of being redirected to an externally hosted checkout page, which has been proven to lead to higher conversion rates.

Click here to learn more about this integration

Oracle CX Commerce is a unified solution that caters to all the eCommerce needs of a business ranging from small to very large sizes looking for highly customizable, scalable and secured eCommerce platform.

Here are some of the cool features that make Oracle Commerce Cloud (OCC) as the most implemented Commerce Cloud platforms compared to its competitors:

• OCC is integrated with Oracle Business Intelligence that generates reports associated to the real-time transaction data of your business. With OCC merchants, can also integrate with other reporting tools such as Google Analytics / Click Dimensions / Power BI etc.
• With iBizSoft’s pre-Integrate payment solutions integrate a payment gateway / processor of your choice.
• Oracle Commerce Cloud REST based microservices makes integrations with other systems simpler and more efficient. iBizSoft is one of the only Oracle Partner to use the RESTful APIs to integrate with complex ERP applications such as JD Edwards, Oracle E-Business Suite and Navision displaying real-time transaction data from the ERP application.
• With the latest release of 21C here are some of the key features – Oracle has introduced for its customers
  • Product recommendations based on the shared account behavior based on machine learning-driven engine which will show product recommendations based on the interactions of the users within same account.
  • Multisite cart enables customers to share a cart across their B2B storefront providing seamless experience across multiple storefronts.
  • Integration with Oracle EBS and Fusion Procurement has made it easier to implement the Punch-out feature
  • Oracle Commerce Cloud’s Open Storefront Framework(OSF) provides OOB components to be placed on Product Detail page thus integrating with CPQ (Configure, Price & Quote) REST APIs to display price based on the CPQ settings for a configurable product.

iBizSoft Inc. – an Oracle Implementation Service provider has successfully implemented several highly customizable, robust and feature-rich Oracle Commerce Cloud solutions making best use of the out-of-the-box technology provided by Oracle CX Commerce suite and adding flavors of its technological expertise to roll out some great cost effective and best-in-class user experience eCommerce storefronts forits B2B and B2C customers.

Selling products online efficiently can be a challenge. And with constantly evolving consumer market, emerging technologies and high demand of the customers it can lead to making important decisions to pick and choose the right eCommerce platform to ensure increased revenue, improved customer experience and service.

Oracle CX Commerce (or Oracle Commerce Cloud) is a unified solution that cater to all of the eCommerce needs of any business ranging from small to very large sizes looking for highly customizable, scalable and secured eCommerce platform.

Oracle Commerce Cloud (or OCC) is a SaaS based platform designed specifically to run in secured Oracle Cloud environment. It provides the tools and infrastructure necessary to build feature-rich, scalable and customizable storefronts for customers with business-to-business(B2B) and business-to-consumer(B2C) needs having a huge fleet of products within wide variety of product lines.

Here are some of the many features that OCC provides out-of-box other than its powerful Widget management for ease of use:

• Manage your catalogs, inventory, and pricing and extend / integrate it with your own preferred backend Order Management Systems (OMS) such as JD Edwards, Oracle EBS and others in the market.
• Translate your catalogs and content into different languages and display prices in locale-specific currencies.
• Advanced search tools are powered by popular Endeca Search Engine. You can also manage your Search Engine Optimization (SEO) strategy using the OCC Administrator login.
• Configure pre-built discounts and promotions with a wide range of options.
• Manage Loyalty points / Rewards for your customers that are also available straight out-of-the-box
• Admin users can configure email templates for transactional emails between the store and your shoppers.
• Both B2C and B2B stores support wish lists with links to social networks for saving / sharing favorite products with other business users or for later reference.

iBizSoft team has successfully implemented several highly customized, robust and feature-rich Oracle Commerce Cloud storefronts making best use of the out-of-the-box technology provided by Oracle CX Commerce suite. Along with complex integrations to Oracle E-Business Suite modules such as Advanced Pricing, Order Management, Inventory giving the latest information of the products in terms of stock, pricing, discounts and many such real time or historic data, iBizSoft team has gone one step ahead of its competitors as the only 1-stop-shop consulting services organization in the Oracle Commerce Cloud and E-Business Suite space.

Welcome to this presentation highlighting some of the unique features iBizSoft has built for customers implementing Oracle Commerce Cloud

• Single Sign On

As many of our customers have been using Identity and Access Management, iBizSoft provided an integrated Single Sign On feature that included authentication of end consumers logging into the Oracle Commerce Cloud Storefront

• Users can switch between multiple accounts

For a B2B OCC storefront end consumers or users can now switch between multiple registered accounts.

• Product Catalogs driven by the Customer Account

Display of the product catalog can be controlled based on the logged in user’s Account number

• Multiple Store selection

User can select and switch between multiple stores assigned to their respective accounts

• Address Selection

Net price will be calculated based on the BillTo and ShipTo addresses selected by user on the home page after the log in

• Search

Search is rich with features that has refinement options, pagination, dynamic curation, thesaurus and URL redirects

• Quick Entry or Direct Item Entry

Users can bulk upload products or skus using a CSV file for Quick Order creation

• Serial Number Search (Machine History Search)

User can search serial# among the applicable serial numbers based on product line and catalog restrictions of their parent account

• Integration with JD Edwards, Infor ERP and Navision

iBizSoft team has been the only organization to provide 2-way integration between multiple ERPs and Oracle Commerce Cloud platform

• Multi-Language(English and Spanish) and Multi-Currency(US Dollar/ Euro /GBP)

Deployed multiple languages and multiple currency for FOUR different sites in US,UK,France and Spain that included multiple Brand Catalogs for Business Units in different countries

• Real time integration

With real time integration to ERP applications shoppers are able to get the Net Price, Item Availability, Customer Item Cross Reference, Freight carriers and charges for their assigned account

• Order & Quotes Search Enhancements

Search enhancements include orders and quotes with features such Freight tracking, Scheduled Ship Dates, Actual Ship Dates & Re-Order capabilities

• Invoice History

List the details of the Invoice once order is processed in ERP

• Analytics

E-Commerce data will be captured using Analytic tools such as Click Dimensions, Google Analytics and Power BI to provide deep insights into the performance of the online store

• OCC Email templates and OIC notifiers

Notifiers will be used to send email notifications along with necessary customizations

https://www.ibizsoftinc.com/Demo/OCC-Features.php

Thank you for taking time to go over this demo. Contact sales@ibizsoftinc.com for more information

Oracle Commerce Cloud (OCC) Service is an eCommerce solution designed specifically to run on the Oracle Cloud. The service provides you with a range of powerful tools to build a flexible, feature-rich storefront for your customers.

Oracle Commerce Cloud Service is comprised of two pieces:

• The Oracle Commerce Cloud Service administration interface, which you use to perform all activities related to designing and managing your store.
• A demo storefront, which you modify to create your own store, that allows merchants to accept credit cards online and process them via a payment processor of their choice

Additionally, OCC offers tools to develop custom extensions through the OCC Service web services API. The current OCC version does not tokenize credit cards accepted and stored on the Oracle Cloud platform, which means it is not PCI compliant.

With more than 10 years of experience deploying PCI compliant eCommerce sites for customers such as Nintendo, CISCO, Verizon and many such organizations, the iBizSoft team built a tokenization plug-in for Oracle Commerce Cloud that is available on Oracle Marketplace as shown in the below URL.

https://cloudmarketplace.oracle.com/marketplace/en_US/listing/58157774

Payments Integra for Commerce Cloud merchants will have tokenized credit card numbers stored on the Oracle Cloud platform while using their preferred payment gateway or processor.

Businesses require seamless flow of information and data throughout the organization. iBizSoft team has implemented integration of various Oracle Cloud applications with third party vendor applications. This article discusses one such integration between Oracle Commerce Cloud(OCC) and Authorize.Net Payment Gateway. OCC is a cloud-based e-commerce platform and Authorize.Net is a third party credit-card payment gateway. Shopping cart applications developed on OCC platform make credit card payments through Authorize.NET Gateway.

There are two technical features that allow the integration between these two applications – WebHook in OCC and RESTful APIs from Authorize.NET Payment Gateway. When an OCC e-commerce shopping cart order is submitted for payment, the OCC platform calls the Web Service API configured in the WebHook for Payment Gateway. The Authorize.NET Payment Gateway processes this information and returns success or error message back to OCC. If the payment is successful, then OCC will continue completion of OCC order processing and send it for shipping. The order stays in an incomplete state, if there’s an error when processing the Credit Cards. Highest level of security is maintained between the two applications. OCC is hosted on Oracle Cloud platform behind a firewall and communicates with third party applications using Secured Socket Layer (SSL) over HTTPS, wherein SSL encrypts data before transmitting the data within the cloud ecosystem. The receiving client decrypts this data with Private-Public key combination.

iBizSoft is agnostic to Cloud technology and the payment processors or gateways. We are a 1-stop-shop for all your functional and technical needs. After having implemented 200+ eCommerce sites that include EBS integrations, iBizSoft team shows the finesse to adapt to any technology in less than 2 weeks.

Reach out to sales@ibizsoftinc.com to learn more about this integration.

http://www.ibizsoftinc.com/Demo/OCC-AuthorizeNet-Payment-Gateway.php