Benefits

Embrace the opportunities of change

Keep pace with rapidly-changing regulation, clearing scheme, market, and customer demands with on demand scalability, 24x7 availability, enhanced security, and full resiliency provided by our field-proven payment hub - as a service.

Payments Hub as a Service

Reduce complexity and cost with full end-to-end multi-rail payment processing - delivered and maintained by Finastra.

Simplify operations complexities

Boost productivity, through pre-configured, fully compliant, best practice workflows and business rules - increasing automation and STP rates.

Accelerate innovation & growth

Stay at the forefront of payments innovation through collaboration and rapidly support new clearings and alternative payments methods.

Future-proof your investment

With a modern, cloud-native architecture and Payments-as-a-Service delivery model you can meet the scalability, resiliency, and agility requirements however the payments landscape evolves.

Customer Story

Berkshire Bank implemented Finastra Payments To Go intelligent payment hub

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We have more actionable data due to the dashboard reporting. Another feature we benefit from are the Insight Dashboard reports. This is near real-time data that's accessible and can be used for immediate decision-making.

James Bellevue SVP of Electronic Banking and Deposit
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Highlights

World-class payment processing in the cloud

Finastra Payments To Go delivers rapid onboarding to payment processing services that are pre-certified and business rules-driven (inherited from our best-in-class enterprise solution, Finastra Global PAYplus), ensuring that financial institutions are compliant, agile, and innovative without the burden of maintaining on-premise solutions.  With Payments To Go you get:

  • An ISO 20022-native payment hub covering all US rails
  • A modern, modular, agile cloud-native PaaS architecture
  • Best practice payment workflows and compliance with scheme rules built-in
  • Operator dashboards for tracking all payments and resolving issues
  • Web-based onboarding tools

But what does this really mean for your bank?

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Reduced total cost of use

Through removal of the cost and risk of deployment and maintenance of on-prem payments infrastructure 

A resilient, secure, scalable solution - available 24x7

Delivered by deploying the cloud-native Azure technology stack and tools, along with a modular, microservices-based service architecture

Improved STP and automation

Best-in-class, payment type-specific workflows and the market leading business rules engine, ensure minimal requirement for manual handling.  In addition extensive in-built validation and enrichment processing maximise payment execution success

Faster time to market

Delivery of pre-configured payment processing, seamless integration with other back-office applications and value added fintech solutions, along with web-based self-service onboarding tools, results in Go Lives in just 4 months.

Simplified operations and reduced risk

Centralized control and tracking across payment types through AI-driven operational dashboards supports rapid identification and resolution of processing issues 

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Team up with a leader in global payments innovation and technology

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Frequently Asked Questions

Payments To Go FAQs

By providing a multi-rail, pre-packaged payment hub as a service, financial institutions can onboard rapidly to a modern, cloud-native and microservices-based solution without the overhead and risk of a major on-premise implementation project.

Operational dashboards provide a centralized view across all payment types to identify potential issues - this includes the use of AI/ML to spot the reasons for non-STP payments and other processing bottlenecks.  The dashboards support drill down to underlying payment queues and audit trails and our OperatorAssist add-on provides a Gen AI-driven chatbot to assist with activities including payment repair  

Delivery of modern, world-class payment processing in a SaaS deployment mode means the mid-market can benefit from Finastra's 30 years of expertise out-of-the box.  In addition, as the pricing is based on a "Pay as you Grow" model, these financial institiutions will have a lower cost of entry along with the knowledge that the solution can scale in line with their future growth.

With a modern, API-driven architecture, Payments To Go is agile and readily extensible - this includes pre-integration with a wide range of fintechs providing value added services such as real-time fraud management.  As this is a service offering, financial institutions will also benefit from the continuous addition of features through new releases. 

Are you ready for real‑time, digital, and multi‑rail payments?

Finastra's Payments-as-a-Service solution, Payments To Go, delivers a cost effective and low risk route to multi-rail payment processing with the agility, speed, and resilience needed for real‑time and next‑gen payments. Reach out today to discover how we can help transform and future‑proof your payment services.