Benefits

Modernize with our intelligent SaaS payment hub solution

Keep pace with rapidly changing regulations, clearing schemes, market conditions, and customer expectations through on‑demand scalability, 24/7 availability, enhanced security, and full resiliency, delivered by a field‑proven payments hub as a service.

Payments Hub as a Service

Reduce complexity and cost with full end-to-end multi-rail payment processing - delivered and maintained by Finastra.

Simplify operations complexities

Boost productivity, through pre-configured, fully compliant, best practice workflows and business rules - increasing automation and STP rates.

Accelerate innovation & growth

Stay at the forefront of payments innovation through collaboration and rapidly support new clearings and alternative payments methods.

Future-proof your investment

With a modern, cloud-native architecture and Payments-as-a-Service delivery model you can meet the scalability, resiliency, and agility requirements however the payments landscape evolves.

Customer Story

Berkshire Bank implemented Finastra Payments To Go intelligent payment hub

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We have more actionable data due to the dashboard reporting. Another feature we benefit from are the Insight Dashboard reports. This is near real-time data that's accessible and can be used for immediate decision-making.

James Bellevue SVP of Electronic Banking and Deposit
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Woman analyzing payments trends in her multi-screen workstation

World-class payment processing in the cloud

Finastra Payments To Go delivers a cloud‑native payments hub as a service, enabling rapid onboarding to secure, rules‑driven payment processing without the complexity of managing on‑premise payment infrastructure.

Built on the proven capabilities of Finastra Global PAYplus, it helps financial institutions stay compliant, scale efficiently, and continuously innovate.

With Payments To Go you get:

  • An ISO 20022-native payment hub covering all US rails
  • A modern, modular, agile cloud-native PaaS architecture
  • Best practice payment workflows and compliance with scheme rules built-in
  • Operator dashboards for tracking all payments and resolving issues
  • Web-based onboarding tools
Highlights

But what does this really mean for your bank?

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Technical specialists reviewing codes for payments software
Payments software interface
Office colleagues reviewing payments data
Payments software compatible with mobile devices

Reduced total cost of use

Payments To Go lowers the total cost of payment processing by removing capital‑intensive on‑premise infrastructure and ongoing upgrade cycles.

A cloud‑native payments hub as a service shifts costs to a predictable operating model while reducing technology risk and long‑term maintenance exposure.

A resilient, secure, scalable solution - available 24x7

Ensure continuous payment processing with high availability, enterprise‑grade security, and built‑in scalability.

Delivered on Microsoft Azure with a modular, API-enabled architecture, it supports growth and peak volumes without increasing operational or infrastructure risk.

Improved STP and automation

Standardized, payment‑type‑specific workflows and a proven business rules engine increase straight‑through processing across payment operations.

Higher automation lowers operational costs, improves payment accuracy, and enables teams to manage growing volumes without added complexity.

Faster time to market

Pre‑configured payment processing services accelerate payments modernization without lengthy implementation or complex infrastructure deployment.

Seamless integration and web‑based onboarding tools enable go‑lives in as little as 4 months, supporting regulatory change and business growth.

Simplified operations and reduced risk

Centralized visibility and control across payment types simplify day‑to‑day operations within a unified payments hub.

AI‑driven dashboards enable faster issue detection and resolution, reducing operational risk and improving executive decision‑making.

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Team up with a leader in global payments innovation and technology

Additional resources to improve your PaaS architecture

Frequently Asked Questions

Payments To Go FAQs

By providing a multi-rail, pre-packaged payment hub as a service, financial institutions can onboard rapidly to a modern, cloud-native and microservices-based solution without the overhead and risk of a major on-premise implementation project.

Operational dashboards provide a centralized view across all payment types to identify potential issues - this includes the use of AI/ML to spot the reasons for non-STP payments and other processing bottlenecks.  The dashboards support drill down to underlying payment queues and audit trails and our OperatorAssist add-on provides a Gen AI-driven chatbot to assist with activities including payment repair  

Delivery of modern, world-class payment processing in a SaaS deployment mode means the mid-market can benefit from Finastra's 30 years of expertise out-of-the box.  In addition, as the pricing is based on a "Pay as you Grow" model, these financial institiutions will have a lower cost of entry along with the knowledge that the solution can scale in line with their future growth.

With a modern, API-driven architecture, Payments To Go is agile and readily extensible - this includes pre-integration with a wide range of fintechs providing value added services such as real-time fraud management.  As this is a service offering, financial institutions will also benefit from the continuous addition of features through new releases. 

Get started with real‑time, digital, and multi‑rail payments

Speak to one of our experts today to learn how Payments To Go can modernize, transform, and future‑proof your payment services.

Finastra Payments To Go gives us access to the same payment processing technology used by big banks, enabling us to provide our customers with state-of-the-art payment services in addition
to the experience they have come to expect from us.

Fred Gibbons
VP Deposit Operations at Jefferson Bank