PAYMENTS ROUTER — CENTRALIZED PAYMENT ORCHESTRATION SYSTEM

Payments Router is designed for banks, payment service providers , and digital financial service providers that need to process payment instructions from multiple channels according to predefined financial scenarios. It coordinates interactions between digital channels, internal systems, card authorization services, and the core banking system — delivering a unified processing result back to external systems.

A centralized payment routing platform supporting authorization, financial schemes, fee calculation, tariff management, peer-to-peer processing, and full card transaction support.

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PAYMENT ORCHESTRATION
ACROSS CHANNELS AND CORE SYSTEMS

The system is designed to manage complex payment logic while keeping front-end channels and internal services decoupled from processing complexity.

FLEXIBLE PAYMENT SCENARIOS FOR CARD-BASED TRANSACTIONS

Definition and execution of configurable financial workflows governing how card payments are processed across internal systems.

FEE AND LIMIT CALCULATION LOGIC

Dynamic calculation of commissions, limits, and conversion parameters based on card type, product configuration, and transaction context.

PAYMENT CREATION AND CONTROL TOOLS

Built-in payment logs, processing engines, and integration services for managing payment lifecycles end to end.

PEER-TO-PEER (P2P) TRANSFERS

Support for card-to-card, card-to-account, and account-to-card transfers with configurable processing logic and currency conversion.

TRANSACTION ORCHESTRATION ACROSS CORE SYSTEMS

Generation of payment instructions and coordination with internal authorization systems and the core banking platform, with consolidated results returned to initiating channels.

Payments Router exposes services to front-end channels — mobile banking, internet banking, bank and partner websites — enabling them to estimate transfer costs, initiate payments, and receive processing results in a consistent, predictable way.

The system can also be embedded into internal banking services that require execution of financial operations as part of broader business workflows.

SYSTEM CONFIGURATION FOR REGULATORY
AND OPERATIONAL CONSISTENCY

Payments Router is built for controlled operation within regulated financial environments, supporting transparency, auditability, and operational consistency.

CONFIGURABLE PAYMENT TYPES AND SCENARIOS

Definition of currencies, conversion rules, fees, limits, execution sequences, and processing logic per operation type.

TRANSACTION AND SCENARIO TEMPLATES

Reusable templates defining execution parameters, object types (payments, documents, service actions), and their impact on transaction status.

FLEXIBLE TARIFF AND PRICING MODEL

Commission schemes configurable by payment type, with additional consideration of card and account product parameters.

OPERATIONAL PAYMENT JOURNAL

Centralized payment log for monitoring current transactions, correcting errors, and manually initiating payments when required.

END-TO-END STATUS TRACKING

Internal processing control combined with synchronized external status reporting for digital channels and client-facing systems.

HOLISTIC PROCESSING ACROSS SYSTEMS

Consistent accounting and execution across payment processing modules and the core banking system, avoiding reconciliation gaps.

CENTRALIZED BACK-OFFICE ADMINISTRATION

Configuration and administration are performed within the bank’s overall system architecture, without introducing isolated control points.

Payments Router acts as the execution layer for payment logic — ensuring that financial transactions are processed consistently, transparently, and in line with defined business and regulatory rules, regardless of the channel or initiating system.