Multi-rail payments processing in a single unified solution

Unify mass, high value, real-time, and cross‑border rails in one solution, designed to boost efficiency, reduce complexity, simplify compliance, and accelerate time to market

Reduce operational complexity

Consolidate and manage all payment operations in an out-of-the-box, multi-cloud, ISO 20022-native payments hub

Minimize risk and cost

Pre-certified, configurable business rules, and best practice payment workflows to reduce risky and expensive customizations

Accelerate innovation and growth

Drive payments innovation with seamless cross‑border instant payments, enabling real‑time settlement and frictionless customer experiences

Ensure scale and resilience

Built to handle high‑volume, always‑on payment demands with unmatched scalability and resilience

Expedite time-to-market

Clearing Development Framework and Model Bank Package to rapidly implement new clearing schemes and expand to different geographies

Enhance liquidity control

Built-in liquidity and risk management module to monitor liquidity in real-time on Clearing, Settlement, Nostro, and Vostro accounts

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Partner with a leader in global payments innovation and technology

Customer Story

Driving digital banking transformation through payments modernization

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By implementing Finastra Global PAYplus, we have significantly reduced manual intervention and processing and the time it takes to process a payment. Our STP rate for domestic payments is now nearly 100%, and for cross border, it is more than 90%, which has helped improve our customers’ satisfaction.

Vu Thi Xuan Tho (Ms.) Deputy Director, Payment Center Head Office

~100% STP

domestic payments streamlined.

90%+ STP

cross-border payments simplified.

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Customer Story

Lloyds Bank collaborates with Finastra to drive payments transformation and deliver an enhanced banking experience

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We chose Finastra as our core payment platform provider because they have a proven track record of delivering reliable, scalable, and open solutions. They helped us modernize our international payments platform, leading to improved STP rates and compliance with ISO 20022. The flexible nature of our collaboration allowed us to create compelling propositions for our clients. Finastra is more than just a technology provider, they are a trusted partner who brings us insights and innovations from other markets.

Steve Everett MD, Cash Management and Payments at Lloyds Banking Group

0 customization

faster response to market and regulatory changes.

High STP

boost automation and optimize customer service.

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Modernize payments infrastructure

Remove the burden of maintaining legacy payment silos while streamlining workflows and future-proofing your payments business.

Simplify

Minimize complexity with automated payments processing that boosts STP, reduces risk, and speeds up transactions

Flexible

Choose the deployment model that fits your business, offering maximum freedom and scalability

Control

Get complete visibility with dashboards, reporting, and analytics, turning payments data into actionable insights

Orchestrate

Achieve end‑to‑end orchestration with greater control, consistency, and scale

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The Global Payments Framework (GPF)

Finastra’s proven and reliable approach to accelerate your modernization journey on your terms.

The GPF is a layered architecture built on a cloud-native, microservices-framework, and API-first technology, offering reusability and reduced total cost of ownership.

Drive better business value

Cover image of "AI-driven payments transformation" episode
Cover image of "The future of cross-border payments" episode
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AI-driven payments transformation

Gen AI is reshaping commercial payments by turning complexity into instant, intelligent, and effortless experiences

The future of cross-border payments

Watch this episode as Gareth Lodge, Principal Analyst for Global Payments at Celent; Arun Kini, Managing Director of Payments at Finastra; and Radha Suvarna, Chief Product Officer for Payments at Finastra dive into how regulations and ISO standards pushed banks to modernize.

Finastra OperatorAssist

Unlock end‑to‑end efficiency across payments lifecycle and enhance customer outcomes.

Model Bank Package

A delivery approach that enables financial institutions to implement a pre‑configured, best-practice, and ready-to-use payments solution, helping them minimize regulatory risks, reduce operational costs, and achieve faster time-to-value.

Payments Awards

Spotlight on trusted, field-proven, industry-recognized, and award-winning payments solutions

Helpful resources to improve

Frequently Asked Questions

Payments Hubs FAQs

Yes. As multi-rail, multi-country, multi-cloud, ISO 20022-native solutions, they support all major payment types including ACH, instant payments, high-value/RTGS, and cross-border transactions within a single deployment. Our payment hubs can handle both customer-side and market-side processing. Through Finastra Financial Messaging, institutions gain seamless connectivity to both Swift and non-Swift market infrastructures, enabling streamlined global payment orchestration and consistent processing across all rails.

Finastra Payment Hubs offer a powerful low/no code environment where business users can leverage a best in class configurable rules engine and pre-certified workflows to introduce new capabilities without custom development. This streamlined approach reduces cost and complexity, ensures consistent multi-rail payment experiences, and helps financial institutions modernize their enterprise payment hub with confidence.

Yes. Finastra Payment Hubs integrate seamlessly with existing bank systems, core banking platforms, and third-party applications. The solution also provides API-based connectivity to fintech value added services across fraud prevention, AML, and sanctions screening, enabling a fully interoperable and future-ready payment ecosystem.

Yes. Finastra Payment Hubs deliver industry leading straight-through-processing (STP) rates. Financial institutions worldwide have achieved significant improvements in automation, with near 100% STP for domestic payments and over 95% STP for cross-border transactions. The extensive validations, enrichment, routing, and configurability reduces manual intervention, lowers operational costs, and accelerates end-to-end payment execution.

Yes. Finastra Payment Hubs use a modular, cloud-based, microservices, and API-driven architecture that enables global banks to scale payment operations efficiently supporting high volumes, new rails, and evolving market demands. Supporting multi-country implementation via single deployment and using Clearing Development Framework to expand geographically, banks can rapidly scale their payments business.

Finastra Payment Hubs are built for operational resilience with multi-cloud deployment options, blue-green implementation, and a modular, microservices architecture. This ensures high availability, seamless updates, and continuous, uninterrupted payment processing even during peak volumes or maintenance events. Our payment hubs also allow banks to change correspondent entities, enable contingency and liquidity-based management, payment route management, and support customer preferences-based payments processing to truly deliver resilient and adaptable payments experience.

Is your payments ecosystem ready for the future of real‑time, digital, crypto, and multi‑rail payments?

Finastra Payment Hubs deliver the agility, speed, and resilience needed for real‑time and next‑gen payments. Reach out today to discover how we can help transform and future‑proof your ecosystem.