Orbipay Payments Hub
Modernize and Orchestrate All Your Payments—From a Single Hub
Orbipay Payments Hub provides banks and credit unions with a future-ready, cloud-native platform that simplifies payments orchestration across all rails—RTP®, FedNow®, Fedwire, ACH, Visa Direct, and Zelle.
Problem
A Growing Need for Change
Disconnected payment systems create inefficiencies, increase risk, and make it harder to support newer channels like FedNow and RTP. Common pain points include:
Legacy infrastructure that hinders scalability
Manual workflows that reduce speed and efficiency
Disjointed user experiences that impact satisfaction
Escalating operational costs
Solution
Simplify Ops, Amplify Growth: Modern Payments Hub for Banks & Credit Unions
Orbipay Payments Hub provides a unified, cloud-native platform that integrates seamlessly with existing systems and supports all major payment rails, enabling faster deployment, secure operations, and scalability.
Unified Payments, Smart Orchestration.
Instant Impact.
Automate and simplify payments through initiation and settlement in one centralized ISO 20022-based payment processing engine— across all payment rails. Orbipay Payments Hub delivers end-to-end payment orchestration and processing for all payment rails on a secure, unified, future-proof platform
Payments Center
Submit and manage payments on behalf of the FI Customers across channels:
- Call Center
- Branch and
- Teller operations
Payments Manager
Initiate institutional payments to:
- Other FI's
- Vendors
- Business Partners
Payments Operations
End-to-End support for payment operations:
- Real-Time Visibility
- Exceptions Management
- Settlement Positions
Payments Reporting
In-depth reporting provides unparalleled insights into:
- Transaction Activity
- Fund Sources Destinations
- Trends & Analytics
Right Rail, Right Use Case—Centralized
From real-time to batch, Orbipay Payments Hub supports both Send and Receive for today’s most critical rails:
Powerful Integrations, Proven Partners
Alacriti is proud to partner with the world’s most innovative technology companies, collaborating with industry leaders to deliver cutting-edge payments modernization solutions.
Value
Why Orbipay Payments Hub?
Built to power innovation, scale, and agility in payments
Orbipay Payments Hub delivers a unified, ISO 20022-native infrastructure for fast and flexible payments. Designed with microservices and open APIs, it integrates seamlessly with your existing systems, empowering your institution to:
- Launch new payment services faster
- Reduce operational complexity and costs
- Meet evolving regulatory and customer expectations
Key Capabilities
End-to-End Orchestration on One Secure Platform
Orbipay Payments Hub delivers a unified, ISO 20022-native infrastructure for fast and flexible payments. Designed with microservices and open APIs, it integrates seamlessly with your existing systems, empowering your institution to:
Unified Platform
Centralize all payment types and rails in one interface
Business Rules Engine
Apply configurable logic and compliance checks
Liquidity Management
Maintain balances and meet funding thresholds
Intelligent Routing
Optimize how and when payments are sent
Exception Handling
Resolve errors with built-in exception workflows
Reporting & Analytics
Gain visibility across all payment activity
Key Benefits
The Business Case for Modernizing Payments
Reduce costs
Increase Compliance
Faster Time-to-Market
Lower Total Cost of Ownership
Stronger Compliance and Risk Mitigation
Cloud-Native Agility
Case Studies
We Help Customers Achieve Superior Business Outcomes
Launched Instant Payments and processed $15.5 MM in 3 months
Customer
Royal Credit Union
Industry
Credit Union
Veridian Credit Union Among the First To Connect to the FedNow® Service
Customer
Veridian Credit Union
Industry
Credit Union
Real-Time Results: 2,300+ Transactions and $5M Moved in Two Months at ABNB
Customer
ABNB Credit Union
Industry
Credit Union
Frequently Asked Questions
What is a payments hub?
A payments hub is a centralized platform that streamlines payment processing across multiple rails—ACH, wires, instant payments (like RTP® and FedNow®), and more—within a single, unified interface. Explore Alacriti’s unique definition of a payments hub.
Unlike legacy systems that handle each rail separately, a modern payments hub like Alacriti’s Orbipay Payments Hub enables seamless orchestration, real-time interactions, rule-based automation, and rich reporting—all in one place.
How do payments hubs work?
Payments hubs act as the infrastructure that connects financial institutions to various payment networks. They generate and route payment messages, ensure compliance, apply business rules (e.g., fraud checks), and convert messages between different standards like ISO 20022. By offering a single point of control and integration, they modernize and simplify payment operations.
What are payments hubs used for?
Financial institutions use payments hubs to:
- Manage all payment types from a single system
- Ensure compliance with regulatory and network rules
- Improve operational efficiency through automation
- Reduce risk with centralized fraud and exception handling
- Enable instant payment capabilities like the RTP network and FedNow Service
Are payments hubs safe?
Yes. Payments hubs enhance security by consolidating payment controls and integrating compliance checks and fraud detection. They support secure formats like ISO 20022 and offer comprehensive visibility into payment activity, helping institutions quickly spot anomalies and maintain regulatory standards.
Let’s Talk About Your Payments Strategy
See how Orbipay Payments Hub can simplify operations, accelerate innovation, and future-proof your payments ecosystem.
