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Payment System Suite

Every rail, one API, scored in real time.

Payments run on dedicated services beside the core, so peak volume never slows the transaction path. Delivered with our partner SwiftPay.

What's in this suite

10

Payment Hub

Connects the bank to every payment rail through one API, as its own service.

  • Bancnet, InstaPay, PESONet, e-wallets, OTC
  • Fund transfers, bills payment, top-ups, remittance
  • Peak volume kept off the core
  • Transactions posted to the core ledger

11

Payment Gateway

Collect and disburse across every channel, for the bank and its business customers.

  • Collections and disbursements
  • One integration for bank and corporate clients
  • Settlement visible in the core

12

Fraud Management System

Scores every transaction in real time. Suspicious ones are flagged or held before they complete.

  • Real-time scoring of every transaction
  • Aligned to AFASA and BSP Circular 1213
  • Rules and thresholds set by the bank

Every suite runs on the same core.

Deposits, loans, payments and mobile transactions post to one integrated ledger. There is no separate system to reconcile against and no overnight batch between products.

Ready to modernize your core banking?

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