Turnkey Clearing House Payments for New Banks

This solution offers new and digital banks a ready-to-deploy, cloud-native clearing house payments platform. It supports real-time and batch transaction processing—including EFTs, RPP, RTC, AVS, and authenticated debit collections—enabling banks to go-live quickly with modern payment rails while seamlessly integrating with core banking systems.

Features

• Support for real-time clearing (RTC) and Rapid Payments Programme (RPP) transactions
• Batch and real-time account verification services (AVS-B and AVS-R)
• Standard EFT debits and credits processing
• Authenticated debit collections (DebiCheck)
• Cloud-native SaaS infrastructure with high availability and scalability
• Single-channel API framework for easy connectivity
• Overlay services for orchestration, routing, SLA management, encryption, and monitoring
• ISO/IEC 27001 and SOC 2 compliant for regulatory trust

Capabilities

• Acts as a switching layer between core banking systems and payment clearing house operators
• Automatic batch processing and transaction unbatching for clearing integration
• Flexible message translation between core banking APIs and clearing house protocols
• Robust orchestration engine handling scheme-specific workflows and SLAs
• Secure gateway integration with national payment systems like BankservAfrica
• Scalable back-office functions including tracing, reporting, and persistence
• Real-time monitoring, alerts, and SLA enforcement
• Modular design for easy addition of new payment schemes and services

Benefits

• Accelerates time-to-market for new banks launching payment services
• Reduces operational overhead and legacy upgrade burden with modern SaaS
• Increases agility to add or update payment schemes rapidly
• Improves payment reliability through robust orchestration and SLA compliance
• Enhances security and compliance posture via ISO and SOC accreditation
• Seamlessly integrates with core banking systems, minimizing implementation friction
• Scales to support growing transaction volumes with cloud-native architecture
• Supports authenticated collections for improved payment control and efficiency