Abstract : Modernizing the enterprise payments infrastructure requires a consistent architecture across heterogeneous ERPs, CRMs, and commerce and retail stacks? Converging regulatory compliance‚ fraud‚ and omnichannel use cases compound the technical challenge that legacy point-to-point integrations cannot sustainably solve? A central Payment Orchestration Layer (POL) based on security-first tokenization principles can eliminate cardholder data (CHD) at all layers within the enterprise application stack: hosted payment fields, iFrame-based card-not-present flows, and PCIvalidated Point-to-Point Encryption (P2PE) in retail card-present environments. Apache Kafka's exactly-once semantics can enforce financial integrity within automated distributed settlement and posting processes by atomically pairing payment lifecycle events with relevant financial accounting commands? Network tokenization per EMVCo Payment Tokenisation Technical Framework maximizes approvals while reducing exposure to fraud with domain-restricted, cryptographically bound surrogates. Mutual TLS with certificate-bound access tokens per IETF RFC 8705 limits the attack surface across use cases for all integration boundaries. SCA orchestration as per EMV 3-D Secure 2.2.0 allows for optimized, frictionless transactions to remain within the PSD2 regulatory envelope. SAP Cloud Integration is the connectivity mechanism through which FI-AR and GL postings are then automatically triggered by payment events, without CHD traversing enterprise systems. This eliminates paper invoice costs, increases transaction realization rates, and improves receivables visibility across all channels