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Image of a man making a phone call and looking at a screen, next to it a street sign for Wall Street and the Stock Exchange building, behind it facades of skyscrapers in Manhattan, valantic Financial Services Automation

Realtime Payment Engine

Central Processing of Various Payment Types

The payment industry is in a process of dramatic changes. New regulation initiatives, such as PSD2 and instant payments, require wide-ranging changes in the payment processing and lead to respective consequences for the existing IT systems. Financial institutions extend their product and service portfolio with additional digital services and are therefore asked to open their available infrastructure. Open banking represents a new philosophy in the strategies of financial institutions; services are to be digitalised and provided for new market participants. Moreover, banks face the challenges of connecting themselves to other service providers.

For the banking industry, one of the most important challenges is the real-time capable processing of payments. At the same time, multi-channel and multi-instrument capability, fast extensions for country- and bank-specific requirements as well as central maintainability of processes play an important role in the efficient controlling of clearings and settlements. The Real Time Payment Engine is a real-time capable, modular and open payment hub solution which supports the processing of different payment types. Diverse payment channels, such as e-banking, manual recording of payments or third-party providers, can flexibly be integrated.

valantic graphics about the Realtime Payment Engine, RTPE

Benefits

  • Processing of real-time payments (instant payments)
  • Smart integration within the existing environment with customised scaling
  • 24/7 balance management
  • Central controlling of settlement processes
  • Single Point of Truth: Central filing of all processed instructions, payments and bookings
  • Complete support of SWIFT and ISO 20022 standards according to EPC rules
  • Integration of interbank, intra-group and intra-bank payments
  • Numerous gateways to clearing houses
  • Processing of batch payments
  • Multi-client and multi-channel capability
  • Flexible extendibility for requirements of local markets and banks using this solution
  • Various APIs for real-time data exchange

Your Benefits at a Glance

Central Controlling of Settlement Processes

Multi-client and Multi-channel Capability

Real-time Capability

Conformity with SWIFT and ISO 20022

Flexible Extendibility

Connectivity

Die Real Time Payment Engine verfügt über zahlreiche Schnittstellen zu Clearinghäusern für Standard- und Instant-Zahlungen:

  • EBA Clearing
  • Deutsche Bundesbank
  • Czech National Bank
  • National Bank of Slovakia
  • GIRO (Ungarn)
  • EZB
  • SWIFT
  • und viele mehr

Your Contact

Picture of Sertac Cetiner, Head of Payments at valantic Financial Services Automation

Sertac Cetiner

Head of Payments
valantic FSA