Payments Engine

One platform. Every payment

A cloud-native platform to process account-to-account payments in real time, optimize operations, and stay compliant — locally and globally

The engine behind your payments flows

From initiation to execution. Manage multiple payment types through one integrated flow

Multiple payments types. Multiple schemes.
One engine

Cloud-native platform

Flexible SaaS solution with integrated risk management. Using ISO20022-compliant APIs, for efficient transaction processing.

Reliable and scalable

High-volume processing with consistent performance. Resilient, multi-tenant infrastructure designed to grow with your business.

Payments optimization

Optimized routing for efficient processing. Simulation tools reduce failures and improve success rates.

Secure and compliant

Bank-grade security with advanced encryption. Fully compliant with global standards and evolving regulations.

Discover our
connectivity models

Direct clearing & settlement
For institutions with a settlement account at TARGET2, TIPS or similar.
Connect via API, exchange messages as a participant, and manage liquidity on your own Central Bank account.
Indirect clearing & settlement
For institutions without a Central Bank settlement account.
Connect via API and exchange messages as if directly connected. Settlement is managed through a partner bank account.
Direct clearing & indirect settlement
For institutions joining SCT Inst without managing a TIPS account.
Participate via a partner bank’s TIPS account.
Direct clearing & settlement
Indirect clearing & settlement
Direct clearing, indirect settlement

Access leading
payments schemes

Credit Transfer
Instant Credit Transfer
Direct Debit
High value & international payments
Credit Transfer
Instant Credit Transfer
Direct Debit
High value & international payments

Payment Nxters to accompany on your business transformation

Onboarding

Guided onboarding & ramp up process.

Go to market fast, minimising downtime and allowing your business to start benefiting from our services.

Integrate & test

Check our documentation and guides. Integrate with our APIs and test.

Access to Developer Portal

Go Live

Track your payments and jump to our Client Portal.

Stay ahead with our news and insights.

Best in class Support

We provide 24/7/365 nonstop support to ensure your transactions are always running smoothly, giving you peace of mind and uninterrupted service.

Built for developers,
by developers

API-driven 
architecture

Seamless integration with your existing systems.

Comprehensive documentation

Get started quickly with detailed guidelines.

Who we serve

Banks

Improve your payments proposition with our end-to-end payment platform

See case

Non Banks Financial Institutions

Scalable and efficient payment processor that future-proofs your business

See case

Explore more
PagoNxt Solutions

SWIFT Connectivity

Global Payouts

FX Services

Smart Routing

Digital Payins

Ready to make payments easy?

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