The FIS Open Payment Framework (OPF) offers a flexible, ISO 20022-based foundation designed to modernize payment systems for financial institutions. It directly addresses the challenges faced by established payment infrastructures in adapting to the digital and mobile world's demand for real-time, cashless, and easy-to-use fund experiences. OPF provides common, reusable services, including a comprehensive data model, choreographed payment business processes, and configurable services, enabling the seamless integration of pre-built payment modules. This allows institutions to quickly deliver solutions for high-value domestic, instant, batch, and international payments. The framework supports a wide array of global payment networks, such as FedNow, TCH RTP, ACH, SWIFT, and FedWire, ensuring comprehensive coverage for all payment needs. As a SWIFT certified solution, OPF is adept at natively processing high-value domestic and international payments in the ISO 20022 standard. This capability is further enhanced by built-in SWIFT gpi functionality, which makes processing payments fast, transparent, and trackable throughout the end-to-end payment flow. Its modular approach ensures that institutions can seamlessly integrate OPF with their core systems and add modules as needed, constructing tailored solutions while keeping costs in check, protecting previous investments, and avoiding system and process disruptions. This phased implementation lowers total cost of ownership (TCO) and risk, ensuring the payments technology remains future-proof and aligned with current and future strategic objectives.

Features & Benefits

• Modernized Payment Foundation
  • Provides an ISO 20022-based framework built for real-time and batch payments, offering common, reusable services, a comprehensive data model, and configurable processes.
• Modular & Flexible Integration
  • Enables financial institutions to plug in a wide array of pre-built payment modules, seamlessly integrate with core systems, and construct tailored solutions as needed.
• Comprehensive Payment Network Support
  • Supports all major payment needs, including FedNow, TCH RTP, ACH, SWIFT, FedWire, and other global payment networks for domestic, instant, batch, and international payments.
• SWIFT Certified Solution with gpi
  • Natively processes high-value domestic and international payments in ISO 20022, with built-in SWIFT gpi functionality for fast, transparent, and trackable end-to-end payment flows.
• Cost Efficiency & Investment Protection
  • Helps keep costs in check, protects previous investments, and avoids system and process disruptions through its flexible architecture.
• Reduced TCO & Risk
  • Offers a phased implementation approach that lowers total cost of ownership and risk, allowing institutions to modernize at a controlled pace.
• Future-Proof Technology
  • Ensures payment technology is aligned with current and future strategies, providing a long-term vision for modernization.