Payment Hub
One processing and fulfillment hub for every bank payment type, every scheme, every channel.
We are a Finastra partner providing support and services for Global PAYPlus (GPP). A cloud-ready, ISO 20022-native payment hub built on GPP that consolidates domestic, instant, high-value and cross-border payments on a single platform, with AI-driven repair, routing and fraud prevention.
OVERVIEW
Payment Hub
Many banks run a separate system for each payment type, which multiplies cost and slows change. Our Payment Hub, built on Finastra GPP, replaces those silos with one modern platform. Every payment, from any channel, follows one standard flow of validation, screening, routing and posting. New schemes and payment types are added through configuration and adapters, not new systems.
payment type
Types of Payment Method Supported
Domestic instant payment schemes, 24x7x365 processing
RTGS payments for large-value and time-critical transfers
ACH and batch clearing, direct debits, standing orders
SWIFT payments with gpi tracking, correspondent banking
Bulk files, payroll, host-to-host corporate payments
Request to pay, proxy and alias payments where schemes offer them
KEY FEATURES
Empower Agent to Drive More Sales
rich structured data from end to end, with translation to and from legacy formats during migration.
payments arrive from digital banking, branch, corporate host-to-host, files and APIs through one front door.
business rules choose the best route by cost, speed, cut-off time and availability.
automated checks and data enrichment before release, with a repair queue for exceptions.
plugs into sanctions, AML and fraud engines in real time.
real-time balance checks, intraday liquidity monitoring and queue management.
rate retrieval and FX booking for cross-currency payments.
case management for returns, recalls, inquiries and claims.
microservices architecture that runs on-premises or in the cloud and scales with volume.
live view of volumes, queues, cut-offs and scheme status.
AI and automation
Enhance user experiences with AI-powered personalisation, intelligent automation and seamless workflows, while improving security, efficiency and service delivery.
machine learning predicts and fixes missing or incorrect data, such as beneficiary bank details, raising straight-through processing rates.
AI scores each payment in milliseconds, essential for instant payments that cannot be recalled.
AI learns from cost, speed and failure history to recommend the optimal route.
forecasts intraday liquidity needs to avoid queues and costly overdrafts.
AI classifies inquiries and returns, drafts responses and routes cases to the right team.
spots unusual volume or behaviour patterns across channels and schemes.
Benefits
| Benefit | What it means for financial services providers |
|---|---|
| Lower cost of ownership | One platform replaces multiple payment systems |
| Faster scheme adoption | New schemes and payment types added through configuration |
| Higher straight-through processing | Fewer manual repairs and exceptions |
| Always-on payments | 24x7x365 processing for instant payments |
| Reduced fraud losses | Real-time AI scoring before funds leave the bank |
| Future-ready | ISO 20022 data unlocks better analytics and compliance |
