I want to support multiple payment schemes and connect to many payment rails and I am looking for… …a solution for a unified way of processing financial messages from different schemes and a simple configuration for connecting to different rails
Some of our valued customers
I want to make my bank more competitive and compliant on ISO20022 and I am looking for… …a solution that allows me to send and receive ISO20022 messages or translate Swift MTs to and from ISO20022 standard
I want to easily offer to my customers new payment methods and I am looking for… …a solution that supports multiple payment instruments, i.e., Credit Transfers, Direct Debits, Instant Payments, Request-to-Pay etc.)
Why you need a Payment HUB to handle Financial Messages effectively
PAYMENTS HUB
- To simplify the handling of different schemes, instruments & protocols
- To decouple your payments from your inflexible core system
- To offload the burden of implementing new payment rails
- To future-proof your business against continuous market changes
Available payment schemes and instruments
aplonHUB supports out-of-the-box cross-border, regional, and local schemes and instruments. New ones can also be added easily on demand.
Payment schemes- SWIFT MT
- ISO20022
- SEPA (several ACH flavors)
- CBPR+
- TARGET2
- MEPS+
- P27 Nordic Payments
- FedNow
- SIC / euroSIC
- Request for a new scheme
Instruments- Credit Transfers
- Direct Debits
- Instant Payments
- Request-to-Pay
Key Benefits of aplonHUB
Single view for all types of payments with one application. Supports SEPA Credit Transfers, Direct Debits SEPA Inst, SWIFT MT, ISO20022 CBPR+, TARGET2 and Real-time Payments.
Rapid time to market and reduced total cost of ownership. Fast and easy to install on your premises and even faster to connect in the cloud. Go live in just 2 weeks to 2 months!
Unparalleled efficiency and flexibility. API native, it seamlessly integrates with your core and AML systems in a number of other ways if required.
Ideal for any size banks, Payment Service Providers or Fintechs. Start simple, extent and scale up to handle all the complex flows as your business grows in the Fintech era.
aplonHUB at a glance
Connectivity
Easy core banking integration
Flexible and integration with the core banking system (APIs, Files, MQs) allowing for quick set-up and short time-to-market
Payment rails connection
Connect to different payment rails and payments infrastructures (ACHs, Swift/SIA Network, Correspondent banks, Service Bureaus, etc.)
Instruments & protocols
Support different payment instruments (Credit Transfers, Direct Debits, Instant payments) and communication protocols (APIs, MQs, SFTP, FTP, FTPS, and Shared folders)
Flexible Scheduling
Advanced scheduling module ensures that the processing of the payments conforms to the cut-offs and clearing cycles defined by your ACH or your Correspondent Bank.
Security
User Management
Advanced user management and access control with up to seven different roles to manage access and permissions easily.
Advanced Security
Out-of-the-box security features like 4-eyes authorization, audit trail, and action logging according to the global information security standards to protect customer data.
AML integration
Secure API connectivity with any 3rd party AML solution that can be easily bypassed if handled by the core system.
Business Reports
Strong routing and filtering capabilities guarantee efficient message flow, exception handling, and alert on erroneous messages.
Simplicity
Unified management
Unified management of multiple payment schemes from different regions (Swift MTs, ISO20022, HVPS+, CBPR+, RTP, etc.)
Embedded message translation
Be ISO20022-ready at no time with the Translation module between Swift MT and ISO20022 standards (CBPR+, Target2)
Reports & Statements
Reports and Auditing modules allowing filtering by date, message or file type, and in/out direction (Customizable PDFs and excels for customer statements)
Advanced search
Extensive search and filtering of incoming/outgoing messages and files by dates, types, tags, transaction status, etc.
Pricing
- Simple, straightforward pricing structure
- Annual flat fee per payment scheme
- Unlimited users / messages exchanged/API calls
- One license for all required environments DEV/SIT/QA/LIVE
Technical Info
- Lightweight and compatible with all leading RDBMSs
- Modern 3-tier architecture and easily scalable
- Extensive configuration from the web user interface (UI)
- API-first architecture, all web UI functionalities also available via APIs
For more technical information check here
