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Payment Rails

Real-time posting and position visibility with automated settlement and reconciliation for customer and ledger accounts

FINXACT CORE PAYMENTS

Included in Finxact Platform

 
  • Allows for processing for a single banking entity with relation to payments. 
  • One ID for the institution for network or correspondent integrations
 
  • Allows for processing for a single banking entity with relation to payments. 
  • One ID for the institution for network or correspondent integrations
 
  • Single Entry API Initiation of ACH Orders
  • Order Processing to outgoing ACH Entries
  • Creation of Outbound NACHA Files to Cloud Storage
  • Loading of Inbound NACHA files from Cloud Storage
  • Transaction Processing to incoming transactions for posting
  • Transaction Exception Handling including returns, NOCs, and posting exceptions
  • ‘On-Us’ ACH processing for a single banking entity
 
  • Single Entry API Initiation of ACH Orders
  • Order Processing to outgoing ACH Entries
  • Creation of Outbound NACHA Files to Cloud Storage
  • Loading of Inbound NACHA files from Cloud Storage
  • Transaction Processing to incoming transactions for posting
  • Transaction Exception Handling including returns, NOCs, and posting exceptions
  • ‘On-Us’ ACH processing for a single banking entity
 
  • Incoming Check processing through X.937 file format for In Clearing
  • Remote Deposit Capture with the ability to generate outbound X.937 return files
 
  • Incoming Check processing through X.937 file format for In Clearing
  • Remote Deposit Capture with the ability to generate outbound X.937 return files
 
  • Integrated debit card processing through the EFT Transaction object with support for ISO8583 and ISO20022 CAIN formats
  • Integration with Fiserv EPOC Card Processing service
  • Ability to integrate with other card processing services using common formats and functionality
 
  • Integrated debit card processing through the EFT Transaction object with support for ISO8583 and ISO20022 CAIN formats
  • Integration with Fiserv EPOC Card Processing service
  • Ability to integrate with other card processing services using common formats and functionality

CAPABILITIES

Finxact Payment Rails

CORPORATE
ORIGINATION

  • Corporate Origination provides an interface for input and controls of bulk order initiation from the bank or the banks clients

ON-US

  • Multiple On-Us financial institution payment processing can be configured to process, settle and maintain payments separately and with interbank functionality 

INDEPENDENCE

  • Each functional entity and their processes can be configured to process independently or in conjunction with the Finxact core bank configuration allowing for flexible, routing, settlement, interface and reporting functions

CONTINUITY

  • Allows legacy batch interfaces to seamlessly integrate with the Finxact real-time order processing while retaining controls and settlement options common to the clearing/settlement system

TCH RTP

  • End-to-end message support for messaging and settlement for Real Time Payments and The Clearing House

DIRECT

  • Direct link to the RTP VPN portal through a Finxact maintained connection

FEDWIRE

  • End-to-end complete single message support for Fedwire FAIM messaging and settlement with direct link to the FedLine Direct through a Finxact maintained connection

FAIM

  • End-to-end complete single message support for Fedwire FAIM messaging and settlement with integration to a correspondent FedLine Connection

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