Gartner Research

How to Make the Payment Object a Source of Salvation, Not Failure, for Your Payment Services Hub

Published: 29 March 2013

ID: G00250946

Analyst(s): Mary Knox, Christophe Uzureau


Use of a payment object is essential for minimizing integration risks in the design and deployment of a payment services hub. This research indicates, however, that overreaching with the design and use of the payment object will cause failure of the payment services hub.

Table Of Contents
  • Key Challenges



  • Use a Payment Object to Eliminate Application-to-Application or Service-to-Service Integration and Message Transformations, and to Eliminate the Danger of Important Data Being Stripped as a Payment Progresses Through the Processing Life Cycle
  • Include in the Payment Object Only the Data That Is Required to Process the Payment and Monitor Its Movement Through the Processing Life Cycle
  • Use Industry Messaging Standards to Minimize Transformation Requirements and Ambiguities Between the Payment Object and External and Internal Messaging Sources and Destinations
  • Clearly Delineate Operational and Decision Support Activities, and Create or Utilize Existing Appropriate Structures for Decision Support, Such as a Payment Data Store or Enterprise Data Warehouse

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