A two-component model is developed for diffractive electroproduction of ρ 0 , φ and J/Ψ, based on non-perturbative and perturbative two-gluon exchange. This provides a common kinematical structure for non-perturbative and perturbative effects, and allows the role of the vector-meson vertex functions to be explored independently of the production dynamics. A good global description of the vector-meson data is obtained.