Finzly’s Payment Hub (Payment Galaxy) is a cloud‑based, API‑first platform that unifies all major domestic and international payment rails into a single operational system. It consolidates ACH, Fedwire, FedNow, RTP, and SWIFT processing, enabling banks to modernize legacy systems without disrupting existing cores. The hub provides centralized initiation, routing, compliance handling, message translation, and real‑time monitoring of payment flows. It delivers a composable architecture designed to scale with institutional growth, support industry standards such as ISO 20022, and integrate seamlessly into diverse banking infrastructures. Its unified console allows banks to manage all payment rails, orchestrate workflows, streamline reconciliation, and maintain enterprise‑grade security.

Key Features

Unified Payment Rail Support Supports all major payment networks in one system.

• ACH, Fedwire, FedNow, RTP, SWIFT
• Certified connections and compatible infrastructure

Smart Orchestration & Routing Automates routing decisions for optimal performance.

• Rules‑based routing
• Automatic rail switching during failures or delays

ISO 20022‑Native Message Handling Ensures interoperability and modern messaging compliance.

• Translates legacy formats (NACHA, etc.)
• Processes ISO 20022 messages end‑to‑end

Composable, API‑First Architecture Enables flexible integration with banking systems.

• Open APIs for payment initiation and workflows
• Plug‑and‑play modules for rapid deployment

Centralized Command Center Consolidates all payment operations into one interface.

• Real‑time alerts and monitoring
• Unified initiation and reconciliation

Enterprise‑Grade Security Built‑in access controls and secure infrastructure.

• Role‑based access control
• SSO and operational safeguards

Benefits

Reduced Operational Complexity Replaces fragmented legacy systems with one unified hub.

• Minimizes vendor and system sprawl
• Simplifies network connections and workflows

Faster Time‑to‑Market Pre‑wired connectivity accelerates deployment of payment services.

• Rapid launch of new rails
• Certified connections reduce integration effort

Real‑Time Payment Readiness Supports instant payments at scale.

• FedNow and RTP ready
• Continuous 24/7/365 processing

Future‑Proof Infrastructure Keeps banks aligned with evolving standards and innovations.

• ISO 20022 native
• Composable for ongoing modernization