SAP Fioneer’s Payment Central modernizes payment infrastructure for banks, ready for tomorrow’s requirements. The single smart hub handles diverse, real-time, cross-border payment flows across multiple channels 24/7 – maximizing efficiency and consolidating operations for elastic scalability and powerful innovation.
SAP Fioneer is trusted by leading financial institutions around the globe
SAP Fioneer’s Payment Central is the engine behind next-generation payments that adapts to any setup with ease – whether you’re connecting single or multiple rails, or integrating more deeply into your core banking landscape. With built-in compliance and pre-integrated schemes like SWIFT, BACS, Visa and Mastercard, operations are simplified and fragmented systems become unified, enabling real-time payments with 20m+ transactions each day.
Consolidate fragmented systems into one central hub cutting complexity and costs while enabling real-time payments at scale. Our solution is built for full interoperability across formats, rails, and systems to support seamless end-to-end payment processing.
From ISO 20022 and SWIFT MT standards to card-based protocols like ISO 8583, our built-in compliance automatically adapts to new requirements allowing your team to be more efficient and productive.
Deliver real-time, cross-border, and CBDC-ready payments fast with end-to-end coverage that outpaces competitors and meets shifting customer expectations with truly agile solutions.
Rely on a resilient architecture that runs 24/7 ensuring real-time payments remain uninterrupted – even during errors or stress scenarios. Built-in reporting and monitoring ensure operational transparency at scale.
Payment Central lets you scale on your terms, whether you’re onboarding a single rail, managing multiple payment channels, or fully centralizing all payment flows into one unified hub. It adapts to your payment strategy, no matter how simple or complex.
Payments are cleared, settled, and confirmed instantly – 24/7, all year round – with full transparency for sender and receiver meaning reduced delays, uncertainty, and support queries.
Configurable exception handling and AI-based logic enable tailored exception workflows, automated repair, and fewer manual touchpoints – optimizing resolution through pattern detection and past intervention insights.
Automatically selects the best path for each payment based on business rules, cost, or speed. Supports multi-rail routing across schemes and allows AI integration for dynamic, data-driven decisions.
Access real-time transaction analysis, monitor system performance, and generate flexible reports. Embedded AI agents help detect trends, predict exceptions, and guides users to next-best actions for faster support and improved efficiency.
Fully supports ISO 20022, ISO 15022 (MT), and ISO 8583 – enabling interoperability with SWIFT, Visa, Mastercard, and other networks. Stay future-proof with formats that cover interbank, card-based, and retail payment processing.
Support entity-specific processing, global currency reconciliation, and format transformation with preconfigured templates — enabling seamless control and transparency across brands, currencies, and regions.
Tailor correspondence and product setup with low-code, no-code tools. Configure payment products, compliance logic, and customer-specific workflows — all without development effort.
Payment Central lets you scale on your terms, whether you’re onboarding a single rail, managing multiple payment channels, or fully centralizing all payment flows into one unified hub. It adapts to your payment strategy, no matter how simple or complex.
Payments are cleared, settled, and confirmed instantly – 24/7, all year round – with full transparency for sender and receiver meaning reduced delays, uncertainty, and support queries.
Configurable exception handling and AI-based logic enable tailored exception workflows, automated repair, and fewer manual touchpoints – optimizing resolution through pattern detection and past intervention insights.
Automatically selects the best path for each payment based on business rules, cost, or speed. Supports multi-rail routing across schemes and allows AI integration for dynamic, data-driven decisions.
Access real-time transaction analysis, monitor system performance, and generate flexible reports. Embedded AI agents help detect trends, predict exceptions, and guides users to next-best actions for faster support and improved efficiency.
Fully supports ISO 20022, ISO 15022 (MT), and ISO 8583 – enabling interoperability with SWIFT, Visa, Mastercard, and other networks. Stay future-proof with formats that cover interbank, card-based, and retail payment processing.
Support entity-specific processing, global currency reconciliation, and format transformation with preconfigured templates — enabling seamless control and transparency across brands, currencies, and regions.
Tailor correspondence and product setup with low-code, no-code tools. Configure payment products, compliance logic, and customer-specific workflows — all without development effort.
“ATB has a world-class Payment Central that enables ATB 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.”
Head of Banking & Payment Products at ATB Financial
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We uncover the most transformative use cases for B2B embedded finance that help build closer, more valuable relationships with your corporate customers.
payments processed daily
uptime without unplanned downtime
reduction in operating costs
faster launch time for new products
