Custom Payment Engine for a Global Medical Technology Company

Unifying multi-country payment providers to cut costs and scale seamlessly.

Quick Insights

The custom payment engine that enabled:

Cost savings of up to $100 million

on operational expenses

Seamless global expansion

to Asian and six European markets

Enhanced back-office efficiency

with improved payment management

Client

The customer is a global medical technology company, a medical equipment manufacturer and a provider of solutions for clinicians and healthcare administrators.

Client Need

The company operated several stores, each with unique payment methods and requirements. This fragmentation led to inefficiencies, integration difficulties, and increased operational costs.

To simplify operations and reduce costs, the customer sought a solution that would standardize the payment process across all platforms, simplifying management while being flexible enough to support future growth.

Solution

With our experience in SAP Commerce Cloud, custom ecommerce development, and complex payment integration projects, Expert Soft’s team of 6 specialists collaborated with the client’s team to develop a solution. Together, we created a unified payment engine that integrates seamlessly with various stores, supports country-specific payment methods, and standardizes the entire payment flow.

The engine acts as a centralized hub, routing all payment requests from the stores and processing them through a single system. When an end-user makes a purchase, they are redirected to the payment engine, which manages the transaction. Upon successful payment, the engine sends a confirmation back to the originating store, allowing it to handle order fulfillment and other processes. This setup not only simplifies operations but also ensures compatibility with local payment methods, e.g. Brazil’s Boleto or Korea’s virtual bank accounts.

Payment engine core features

E-mail notifications
Automated email alerts for customers, notifying them of successful payments, card expirations, and subscription updates, ensuring clear communication.
Reporting system
A robust reporting system provides daily, monthly, and post-transaction insights for financial teams, enabling them to easily track payments and generate reports.
Subscriptions management
End-users can link their payment methods for recurring payments, automating the process, which improves customer convenience for subscription-based services.
User analytics
The system tracks user behavior, such as link clicks, form interactions, and error messages. This data is passed to the marketing team for analysis, helping improve customer experience and service optimization.
Support portal
The portal eliminates the manual effort from customers to create a subscription or place an order, as the support team can handle the process for them.

Challenges

Tackling complex payment integrations is a common task that is almost always in the scope of work in any enterprise ecommerce project. This practical expertise helped our team solve challenges that occurred during payment engine development.

Integration challenges

One of the most significant hurdles was integrating the engine with multiple international payment providers, each with its requirements. While providers typically offer documentation and extensions designed to cover all necessary functions, in reality, these tools often fell short, or their code was not always extendable.

For example, we needed to divide an order total into three parts within a specific provider. The provider’s extension was supposed to make this process straightforward, requiring only minor modifications. However, the solution didn’t work as expected. To resolve this, our team created custom workarounds, rewriting parts of the code to ensure the integration functioned correctly.

Korean payment provider integration

To expand into the Korean market, the client needed to integrate with a local payment provider, enabling the use of virtual bank accounts, a common payment method in Korea. We initially developed a Proof of Concept (POC) to test the payment flow on an internal page, and once validated, we implemented the full functionality.

One cart challenge

This challenge occurred due to the limitations of the SAP Commerce Cloud platform, which allows only one cart or one order per session. However, the client needed to process payments for invoices belonging to different organizations, each requiring payment to separate merchants.

Our team solved this by developing a “parent cart” feature — a virtual container that aggregates multiple merchants’ carts. This solution ensures that only the parent cart is added to the session, meeting the platform’s requirements while correctly routing payments to the appropriate merchants.

Migration between payment providers

Migrating from one payment provider (Cybersource) to another (Checkout.com) presented another challenge: transferring Payment Info securely and efficiently.
PCI DSS compliance prohibits storing sensitive information like full card numbers or CVV codes, so the payment engine relies on tokens provided by the processors. We encountered issues determining which token belonged to which card. To resolve this, our team developed custom scripts to migrate these tokens, ensuring seamless mapping between the systems and maintaining accurate payment data.

Back-office customization

To further improve operational efficiency, the client’s back-office system required several customizations. Our team added functionalities, such as report export buttons, order cancellation options, and multi-level nested search capabilities.
These enhancements made managing payments, subscriptions, and refunds more intuitive, significantly reducing the manual workload for the back-office team.

Code improvements

The original reporting module in the payment engine was inefficient, with large, unwieldy classes that made maintenance difficult. Some classes contained over 2,000 lines of code, mixing multiple report types.
Our engineers refactored the code, breaking it down into manageable, modular components, making the system more scalable and easier to expand in the future.

SAP Commerce Cloud version migration

Migrating the client’s platform from 18.11 to 22.11 posed additional challenges. Despite SAP’s documentation, there were several gaps between theory and real-world application. Our team conducted extensive research, resolved discrepancies, and ensured that the entire system, including the payment engine, functioned smoothly post-migration.
Successfully overcoming all these challenges highlights the expertise and thoroughness of our team. We know how to ask the right questions and get the information we need from the business, even when it’s not immediately available. Our solutions are not only practical and easy to integrate but also scalable for future growth.

Outcomes

Cost Reduction
The centralized system eliminated the need for individual store integrations, saving the client up to $100 million in operational costs.
Scalability
The payment engine allowed the client to expand effortlessly into six European countries with only minimal configuration changes. The solution's flexibility ensures that adding new markets or providers requires minimal effort.
Simplified management
The back-office customizations streamlined internal processes, making it easier to manage payments, subscriptions, and refunds, ultimately reducing administrative workload.
Improved customer experience
The subscription management feature automated recurring payments, simplifying the process for end-users and improving overall customer satisfaction.
Market expansion
By integrating region-specific payment methods such as virtual accounts in Korea, the client can now easily enter new markets, supporting their global growth strategy.
01 / 02

Technologies

SAP Commerce Cloud (Hybris), Java, Groovy, JSPs, JavaScript, Docker, and integrations mainly via APIs, utilizing REST and JSON.

Contact Us
All submitted information will be kept confidential
MARY MAKARENKOVA
MARY MAKARENKOVA
Head of Client Relations & Customer Success