Payments
Payments platform delivery and ISO 20022 migration
Payment message standards, scheme rules, and settlement cycles — the areas where a technically valid message still gets rejected, repaired, or settled on the wrong day.
ISO 20022SWIFT MT / MXSEPAACHRTGSFedNowRTP
Technology Depth
Payments coverage
Comprehensive ecosystem coverage backed by vetted senior principals and certified specialists.
Message Standards
ISO 20022 (pacs / pain / camt)SWIFT MTSWIFT MXMT to MX MigrationCBPR+SWIFT gpiMessage Validation & RepairField Mapping & Truncation
Schemes & Rails
SEPA SCT / SCT Inst / SDDACH & NACHAFedwireCHAPSTARGET2 / T2FedNowRTP (TCH)Faster PaymentsUPI / IMPS / NEFT / RTGSZelleCross-border & Correspondent
Processing
Payment Hub ArchitectureRouting & Least CostLiquidity & SettlementValue Dating & Cut-offCharge Bearer HandlingFX ConversionReturns & RecallsInvestigations & ExceptionsNostro Reconciliation
Controls
Sanctions ScreeningAML Transaction MonitoringFraud ControlsDuplicate DetectionLimit ChecksPayment Approval WorkflowAudit TrailRegulatory Reporting
Enterprise Delivery
Typical payments engagements
- ISO 20022 migration — mapping, coexistence handling, and regression
- Scheme onboarding — certification test cases and evidence
- Payment hub delivery — routing, validation, and exception handling
- Interface build — core banking, channels, and correspondent connectivity
- Reconciliation — nostro, settlement, and end-to-end payment tracking
- Performance — peak-day and cut-off window throughput validation
Coexistence is the hard part
During ISO 20022 migration, MT and MX run side by side. Truncation, mapping loss, and structured-address handling cause most of the production incidents.
- Round-trip mapping tested in both directions
- Truncation and data-loss scenarios covered explicitly
- Scheme rejection codes tested, not just happy paths
- Cut-off and value-date behaviour validated per scheme
Common Questions
Frequently Asked Questions
Transparent insights into our delivery, pricing models, security compliance, and onboarding timelines.
Can you support scheme certification cycles?
Yes, including preparing test cases against scheme specifications and producing the evidence required for certification sign-off.