Orbipay Payments Hub by Alacriti is a modern, cloud-native, and scalable payments infrastructure designed for banks and credit unions. It enables end-to-end payment orchestration across multiple rails including TCH RTP®, FedNow®, Zelle®, Fedwire, ACH, and Visa Direct. Built on ISO 20022 standards, the platform supports seamless integration with legacy systems and empowers financial institutions to modernize operations, reduce costs, and deliver innovative, real-time payment experiences.

Features

• Unified Platform: Centralized processing, orchestration, and settlement for all payment types.
• Payment Rail Connectivity:
  • TCH RTP®
  • FedNow® Service
  • Zelle®
  • Fedwire
  • ACH
  • Visa Direct
• Architecture:
  • Cloud-native and scalable
  • Open APIs and microservices-based
  • ISO 20022-native services
• Functional Capabilities:
  • Intelligent Payment Routing
  • Business Rules Integration
  • Exception Management
  • Payment Data Reporting & Analytics
  • Liquidity Management
  • Settlement & Reconciliation
  • Transaction Risk Screening
• Deployment Flexibility:
  • Full-stack money movement solution or rail connectivity only
  • Send-and-receive capabilities for RTP and FedNow

Benefits

• Unified Payment Processing: Consolidates all payment types into a single robust portal, reducing processing costs and improving operational efficiency.
• Rapid Time to Market: Enables fast deployment and access to critical clearing and settlement networks with scalable pricing models.
• Future-Proof Infrastructure: Supports data-driven innovation and seamless interoperability through ISO 20022 messaging standards.
• Agile Cloud-Based Platform: Built for performance and scale, with open APIs enabling the creation of differentiated payment experiences.
• Proven Results (Veridian Credit Union Case Study):
  • 245% growth in RTP transactions
  • 263% growth in RTP send
  • 11 weeks to deployment