High-Value Payments Modernisation

Electrum’s High-Value Payments Modernisation solution enables banks to upgrade their high-value payment infrastructure with a cloud-native, secure, and scalable platform. It supports real-time and batch processing, advanced orchestration, and compliance with international standards, ensuring reliability and efficiency for critical transactions.

Features

• Support for high-value payment schemes including SWIFT and local RTGS systems
• Real-time and batch transaction processing capabilities
• Cloud-native architecture for resilience and scalability
• Secure API framework for integration with core banking systems
• Advanced orchestration for routing and SLA management
• Compliance with ISO/IEC 27001, SOC 2, and regulatory standards
• Real-time monitoring and alerting tools
• Comprehensive reporting and audit functionality

Capabilities

• End-to-end processing of high-value transactions across multiple networks
• Dynamic routing and orchestration for optimized performance
• Message translation between banking APIs and payment protocols
• Integration with clearing and settlement systems
• Real-time fraud detection and risk monitoring
• Configurable workflows for diverse business and regulatory requirements
• Scalable infrastructure to handle large transaction volumes
• Continuous monitoring for SLA compliance and operational integrity

Benefits

• Modernises legacy high-value payment systems without complex upgrades
• Improves reliability and compliance for critical transactions
• Accelerates time-to-market for new payment capabilities
• Reduces operational complexity through automation and orchestration
• Enhances scalability to support growing transaction volumes
• Strengthens security with advanced encryption and fraud controls
• Provides real-time visibility and control over high-value payment flows
• Future-proof architecture adaptable to evolving payment ecosystems