Stripe x Virto Commerce
B2B enterprises need payment infrastructure that handles both straightforward card transactions and the more complex realities of B2B payments — longer cycles, invoicing, and bank transfers. Stripe provides that as a global payments platform, and Virto Commerce connects to it through APIs to handle checkout, payment processing, and settlement.
About Stripe
Stripe is a financial services platform that helps businesses accept payments online, in person, and around the world, supporting over 100 payment methods. Beyond basic payment processing, Stripe offers tools for subscriptions, invoicing, tax calculation, and revenue automation.
How Virto Integrates with Stripe
Virto Commerce connects to Stripe through its API to process payments during checkout, keeping payment processing and compliance with Stripe while Virto handles the buyer-facing commerce experience.
The integration approach generally covers:
- Routing checkout payments through Stripe’s API for processing and settlement
- Supporting the payment methods Stripe makes available, including cards, bank transfers, and digital wallets
- Handling payment confirmation, failure, and refund flows between Virto and Stripe
- Keeping sensitive payment data within Stripe’s compliant infrastructure rather than passing it through commerce
Note: For system-specific integration patterns, available accelerators, and the right approach for your payment setup, speak with a solution partner.
Implementation Approach
Virto Commerce integrates with enterprise systems through a combination of APIs, middleware, and integration accelerators — designed to reduce implementation effort while preserving the flexibility that enterprise-specific workflows require.
Key considerations: which payment methods need to be supported, whether B2B-specific flows like invoicing or ACH are required, existing Stripe account setup, and whether the business needs online payments only or a broader financial operations setup.
Use Cases
Supporting both card payments and B2B-specific payment methods
B2B buyers often prefer bank transfers or invoicing over card payments for larger orders. Virto’s checkout connects to Stripe’s API, so buyers see whichever payment methods Stripe makes available — cards, ACH, bank transfers — without commerce needing to build or maintain separate checkout logic for each one.
Buyers choose the payment method that fits their purchase, and Virto’s checkout adapts automatically based on what Stripe is configured to accept.
Reducing manual reconciliation work
B2B payment processes are often manual, leading to delays and errors in matching payments to orders. When Virto sends order and payment data to Stripe at checkout, Stripe’s reconciliation tools and automated invoicing can match incoming payments back to those orders, instead of someone doing it by hand.
Finance teams spend less time manually reconciling payments, since the order-to-payment connection happens through the Virto and Stripe integration rather than a separate manual process.
Reducing PCI compliance scope on the commerce side
Handling card data directly within a commerce platform increases compliance burden. Routing payments through Stripe keeps sensitive payment data within Stripe’s compliant infrastructure rather than passing through Virto.
Commerce teams reduce their PCI compliance scope, since sensitive payment data is handled by Stripe rather than stored or processed within the commerce platform itself.