The Power of a Modern Core

& Native Payment Rails

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Foundation

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

Single Bank Payment Processing
Basic ACH
Check
Debit Card

Single Bank Payment Processing

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

Basic ACH

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

Check

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

Debit Card

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

ACH
RTP
WIRE

ACH

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

RTP

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

WIRE

FEDWIRE

End-to-end complete message support for Fedwire ISO-20022 messaging and settlement with direct link to the FedLine Direct through a Finxact maintained connection

FEDWIRE EXTERNAL

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

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