The Modern Payments Hub For Banks and Credit Unions
Orbipay Payments Hub delivers an advanced, scalable payments infrastructure for financial institutions—helping drive innovation, streamline operations, and reduce costsÂ
Explore Orbipay® Payments Hub
Orbipay Payments Hub is a comprehensive, cloud-native, scalable solution with end-to-end payment orchestration connecting to TCH’s RTP® network, the FedNow® Service, Fedwire, ACH, and Visa Direct payment rails on a secure, unified platform. As a leading fintech provider, our hub offers fast and flexible integration into your legacy systems, enabling banks and credit unions to deliver new solutions to the market quickly and seamlessly while ensuring compliance with evolving regulatory standards.
Combining microservice-based architecture and open API capabilities, our platform ensures a future-proof infrastructure to manage payments, allowing financial institutions to modernize processes, streamline payments operations, reduce operational costs, and rapidly deliver modern money movement experiences to their customers.
Unified modern payment infrastructure for banks and credit unions
Accelerate payment modernization on a unified, cloud-native, ISO 20022-based platform that integrates with your existing payments ecosystem while incorporating best practices for security and compliance.
Unified PlatformÂ
- Intelligent Payment Routing
- Business Rules IntegrationÂ
- Exception Management Functionality
- Payment Data Reporting and Analytics
- Liquidity Management
- Settlement and Reconciliation
- Integrate Transaction Risk Screening
Payment Flexibility
- FedWire
- ACH
- RTP TCH Network
- FedNow Service
- Visa Direct
Agile, Future-Proof
- ISO 20022 Native Services
- Cloud-Native, Built for Scale
- Open APIs and Microservices-Based Architecture
Orbipay Payments Hub grants the power of choice:
Fast send-and-receive payment capabilities
We don’t just offer Receive. Our customers have had access to payment options going both ways (both incoming and outgoing) for both the TCH RTP network and FedNow Service, since their launch.
As complete a solution as you need
Whether you just need rail connectivity—or a full-stack money movement solution with apps, digital overlays, and back-office tools—we meet you where you are.
Key benefits of our unified payments systems
Unified Payment Processing and Settlement
Consolidate payment processing, orchestration, and settlement for all payment types through a single robust portal. Centralized processing helps to lower processing costs and improve operational efficiencies.
Rapid Time to Market
Quickly deliver on customer expectations for convenient, real-time payment experiences. Gain access to critical clearing and settlement networks with pricing models that scale with you, eliminating the need for large upfront investments and allowing for rapid time-to-value.
Future-Proof Payments Infrastructure
Drive payments modernization and data-driven innovation, powered by ISO 20022-based messaging standards that support seamless interoperability between payment schemes.
Agile Cloud-Based Platform
Evolve with the market on a platform built and optimized for cloud, scale, and performance. Open APIs and microservices-based architecture provide limitless possibilities to create differentiated faster payments products and experiences.
Case Study
Veridian Credit Union
245%
Growth in RTP transactions
263%
Growth in RTP send
11
weeks – Time to deployment of solution
Modernize and future-proof your payments to drive innovation, streamline operations, and reduce costs with Orbipay Payments Hub today.
Frequently Asked Questions (FAQs)
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 from 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
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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.
