Multi-Rail Payments
Every payment rail, one API. ACH, Fedwire, RTP, FedNow, SEPA, and ISO 8583 card networks — with intelligent ML-style routing that selects the optimal rail for every transaction.
US Payment Rails
Full coverage of the US payments infrastructure — from batch ACH to real-time FedNow — with native NACHA file generation and ISO 20022 support.
ACH
Automated Clearing HouseNACHA file generation and parsing for standard and same-day ACH. Batch management with 5-character company entry description and SEC code selection.
- NACHA fixed-width file generation and parsing
- Same-day ACH (T+0) and standard (T+1/T+2)
- PPD, CCD, WEB, and TEL SEC codes
- Return and NOC handling
Fedwire
Real-Time Gross SettlementSame-day RTGS transfers for high-value payments. Fedwire message format with tag-value encoding and immediate irrevocable settlement through the Federal Reserve.
- Irrevocable same-day RTGS settlement
- Fedwire tag-value message format
- ABA routing number validation
- Business use code and drawdown support
RTP
TCH Real-Time PaymentsThe Clearing House real-time rail with 24/7/365 instant clearing. Sub-10-second end-to-end settlement with Request for Payment (RfP) support.
- 24/7/365 instant settlement
- Request for Payment (RfP) workflow
- Remittance data with 140-character field
- Real-time confirmation receipts
FedNow
Federal Reserve Instant PaymentsFederal Reserve's instant payment service with native ISO 20022 message format. pacs.008 credit transfers and pacs.002 status reports with UETR tracking.
- ISO 20022 native pacs.008 messages
- UETR end-to-end tracking
- 24/7/365 Federal Reserve settlement
- R-message (return) support
EU Payment Rails
SEPA Credit Transfer, Direct Debit, and Instant Credit Transfer — all with full mandate management and EPC rulebook compliance.
SEPA Credit Transfer
Pan-European credit transfers using pain.001 XML with IBAN/BIC routing. Batch SCT file generation for bulk payout workflows.
- pain.001 XML generation
- T+1 standard settlement
- Structured remittance information
SEPA Direct Debit
Mandate-based collection using pain.008 XML. Core and B2B SDD schemes with pre-notification requirements and mandate lifecycle management.
- pain.008 mandate collection
- Core and B2B scheme support
- Mandate storage and amendment
SCT Inst (SEPA Instant)
SEPA Instant Credit Transfer with 10-second end-to-end settlement. 24/7/365 availability with EPC compliance and €100,000 limit.
- 10-second settlement guarantee
- 24/7/365 availability
- EPC SCT Inst rulebook v1.0
Intelligent Rail Routing
An ML-style scoring engine evaluates every candidate rail in real time and selects the optimal path — with configurable weights and full decision audit logging.
Scoring Factors
Failover & Audit
When the primary rail is unavailable or returns an error, the router automatically falls back to the next-ranked rail. Every routing decision is logged with full scoring detail.
- Configurable failover chain (up to 3 rails)
- Full decision audit log with factor scores
- Override API for manual rail selection
- Real-time health check per rail
ISO 8583 Card Network Processing
Full card network message processing with bitmap codec for direct Visa/Mastercard integration. Authorization, reversal, and settlement messages with MTI routing.
Authorization
MTI 0100/0110 authorization request and response with data element mapping and bitmap encoding.
Reversal
MTI 0400/0410 reversal handling for partial and full authorization cancellations.
Settlement
MTI 0500/0510 settlement with daily batch reconciliation and interchange fee calculation.
One API for Every Payment Rail
Stop managing multiple integrations. Connect once and route intelligently across ACH, Fedwire, RTP, FedNow, and SEPA.