Payments Hub

One application to handle all your account to account payment flows

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Some of our valued customers

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

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

  • 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
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  • Main Features
  • Available Schemes
  • Pricing
  • Technical Info

See how aplonHUB handles Financial Message flows


  • Parses and stores incoming messages for future drill-down searches
  • Performs syntax, duplication, AML and rules validation and produces alerts
  • Transforms and forwards messages to core banking for processing
  • Generates message Replies and Returns automatically
  • Correlates original and reply messages to facilitate exceptions and investigations
  • Matches payments with statement and confirmations for easier reconciliation


  • Receives outgoing messages or payment orders from the core system
  • Parses, Validates, Translates and Stores messages for future reference and search
  • Requires second level authorization for specific transactions depending on configuration
  • Bulks and forwards messages to ACHs or Corresponding Banks according to cut-offs
  • Forwards Instant payments and handles replies
  • Generates automates recalls as required

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


  • 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.

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The best way to answer all your questions
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.
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.
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.
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  • 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
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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

Payment Components