Asseco CL (Payments)

Automatic processing of customer payments

Fast and comprehensive payment processing

Asseco Payments is a modern Payment Hub system that provides centralized and automated payment processing for bank customers. It harmonizes the payment execution process and offers an efficient interface between the bank and clearing houses. The system supports various types of payments in compliance with regulatory requirements, including the ISO 20022 standard.

Beneficial effects of implementing the Asseco CL system

Centralization of settlements

Unified payment processing processes enable high settlement efficiency and reduced operating costs

Process automation

Mechanisms for data verification and validation rules, as well as automatic data completion and payment data compilation, significantly increase the STP rate for settlements (up to 99%) and significantly reduce the risk of operator errors

Compatible interfaces

The system's existing, fully compatible interfaces to clearing houses and banking systems reduce integration costs and shorten the time needed to implement the solution

Open integration architecture based on API

Open architecture based on REST-API micro-services built in accordance with the BIAN semantic model allows for easy integration of the system with the external IT environment

Risk reduction

The 4EP rule (maker-checker) implemented throughout the solution, along with extensive tuning capabilities for system operator permissions, reduces operational risk and allows for precise integration of the system into the bank’s organizational structure

Work control

Availability of audit logs recording all activities performed in the system and metrics monitoring its operation in real-time meets stringent standards and norms related to the secure operation of the system

Payment types supported in the Asseco CL system

RTGS Payments - Real-Time Gross Settlement:

SWIFT (parallel handling of MT and MX messages), TARGET2, SORBNET3, VISA B2B

Session payments:

SEPA (EuroELIXIR -OK and EuroELIXIR-C mode), ELIXIR (ELIXIR -OK and ELIXIR-C mode)

Instant payments:

Express Elixir, Blue Cash

Mobile payments:

BLIK

Mass payments:

in various currencies and from different payment channels

Main functionalities of the Asseco CL system

Automatic payment processing across the entire system (STP)
Conversion of business order data to any type of payment
Handling of payment processes and messages in the ISO 20022 standard
Collaboration with multiple clearing houses within a single installation
Parallel collaboration with multiple bank systems (transaction systems, electronic and mobile banking, AML systems, data warehouses, treasury systems)
Flexibly configurable internal payment routing between different bank systems
Settlement of payments through Nostro accounts, including settlement through customers’ current accounts
Dedicated module for handling complaints

Technology stack

Presentation layer	JAVA Enterprise Edition, Vaadin Engine
Application layer	Oracle WebLogic Server, IBM Websphere, JBoss, Wildfly, Kubernates cluster + Rancher/OpenShift
Data layer	Oracle Database Standard/ Enterprise Edition
Integration standard	REST API, SOAP API, kolejki JMS, Corba, pliki płaskie
Supported web browsers	Edge, Chrome, Firefox

Contact

If you have questions or you want to see the entire solutions in the Banking sector, send inquiry. We will contact you within 24 hours.

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