Enterprise payment solution for Tier 1 and Tier 2 banks
Not every bank is in the same situation – and Payment Central doesn’t ask them to be. Every rail, scheme, and message format – domestic, instant, cross-border, digital currencies – on one platform. Replace a failing rail, add an orchestration layer, modernize incrementally, or separate business lines for resilience. You choose where to start. Payment Central grows with you.
Payment Central is built around a genuine architectural reality: the same platform can be deployed as a full legacy replacement, as an orchestration layer above existing infrastructure, as a single-rail solution that expands over time, or as multiple independent installations that reduce concentration risk. There is no fixed starting point and no architectural dead end. Each deployment model connects to the same downstream systems – core banking, fraud and AML, and liquidity management – with a single logic layer, a single compliance cycle, and a single operations team. The bank chooses the entry point. Payment Central delivers from there.
Payment Central enables banks to launch new payment products in weeks, support digital currencies on the same platform as every other rail, and process for third-party institutions. A major European bank achieved 80% faster time to market for new payment products. The infrastructure that fixes today’s problem opens tomorrow’s revenue lines.
One platform at a fraction of the cost
Customers report 65% reduction in operating costs. One Payment Central installation replaces 8+ legacy applications. 90% functionality from day one, 670+ format converters, and low-code/no-code configuration compress implementation cost and time to value significantly.
Compliance delivered as a product update – not a project
ISO 20022, CBPR+, SEPA, and IPR changes arrive as standard product updates – no custom build, no delivery risk. A major European bank achieved 40% faster regulatory response. Separate instances by business line reduce concentration risk that regulators increasingly scrutinize.
Live in months, not years
A major UK building society replaced close to three billion transactions a year in six months. A licensed institution was operational in three months – at four times lower TCO. 90% functionality from day one means implementation shifts from custom build to configuration.
A platform that grows with your ambition
Every entry point builds on the same foundation. No architectural dead ends, no migration penalties, no new vendor decision required. Backed by SAP’s global AI, GenAI, and cloud R&D investment. The platform adopted today keeps pace with the market for years to come.
Capabilities that make a difference
With Payment Central, every regulatory deadline becomes a product update. ISO 20022, CBPR+, SEPA, IPR are all maintained as standard product updates, and annual rulebook changes are delivered to your system automatically. There’s no custom build, no budget conversation, and no delivery risk. Plus, the latest 2025 converters are already included in standard delivery.
With Payment Central, every payment at every stage is all on one holistic platform. Pre-processing, processing, and post-processing managed end-to-end on a single platform. Payment Central connects natively to your fraud, core banking, FX, liquidity, and reporting systems – without custom integration. Core-agnostic, scheme-agnostic.
Payment Central enables you to always have the right data, at the right moment, right at your fingertips. AML and sanctions screening are orchestrated in line, as opposed to merely attached to your core. Our core-agnostic account verification all occurs in real time, helping you keep an eye on all users – while our instant counterparty risk visibility comes complete with full audit trails and regulatory reporting built in.
Access real-time analytics on live transactional data, with status tracking, audit trails, SLA dashboards, and exception analytics all found in one place. Plus, our platform also includes UX-based apps for front-office and back-office teams.
Payment Central embeds AI directly into payment operations – not as a separate layer, but as part of how the platform works. Payment reporting and insights delivers plain-language queries with traceable, auditable answers. Exception handling and case resolution classifies, clusters, and auto-executes fixes under policy controls. Anomaly detection identifies outliers in payment runs before release. All capabilities are backed by SAP’s global AI and GenAI R&D investment – flowing directly into the Payment Central product roadmap.
ATB has a world-class Payment Central that enables us to offer top tier money movement solutions, move quickly to meet market demands and has the robustness and flexibility needed to ensure our offerings are strong and competitive.”
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Ryan Rabin
Head of Banking & Payment Products at ATB Financial
