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Payment Orchestration Layer

Multi-rail orchestration; routing; validation

CLIENTTop 10 U.S. Bank
FOCUSPayments modernization
APPROACHInnovation · Integration · Implementation
01 / BUSINESS CHALLENGE

The challenge

  • Coordinate payment flows across channels
  • Reduce point-to-point integrations
  • Improve routing and exception handling
02 / ENGINEERING RESPONSE

Our approach

  • Centralized routing and validation design
  • Reusable adapters for banking and payment rails
  • Integration with posting, reconciliation and reporting
SOLUTION ARCHITECTURE

Connected payment capabilities

Conceptual architecture — not a depiction of the client's actual production environment.

Payment channelsFiles & APIsPayment initiationExternal networks
→
Payment servicesValidation & enrichmentRouting & orchestrationISO 20022 transformationException handling
→
Enterprise systemsCore bankingPosting & accountingReconciliation & reporting
03 / BUSINESS IMPACT

Outcomes and opportunities

✓Potential to simplify onboarding of payment flows
✓Potential to improve operational visibility
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