Payments Hub
Autonomous AI agents orchestrating intelligent payment flows across all channels, rails, and systems for real-time, secure banking
What is a Payments Hub with Agentic AI?
❌ Traditional Approach
- • Separate systems for each payment rail
- • Manual routing decisions
- • Siloed reconciliation processes
- • Limited fraud detection
- • Months to add new payment methods
- • High operational overhead
✓ Agentic AI Payments Hub
- • Unified orchestration across all rails
- • AI-driven intelligent routing
- • Automated real-time reconciliation
- • Autonomous fraud prevention
- • Days to deploy new methods
- • Self-optimizing operations
Real-World Customer Journey: Cross-Border Remittance
Comprehensive Payments Hub Capabilities
Everything you need to orchestrate, manage, and secure payments across all channels and rails
Intelligent Payment Orchestration with Agentic AI
Autonomous AI agents centralize all payment types across card, account, wallet, QR, and cross-border rails with self-learning optimization and intelligent routing.
Multi-Rail Payments Engine
AI-powered support for RTGS, NEFT, ACH, SWIFT, SEPA, card networks, wallet transfers, and QR payments with intelligent routing and real-time settlements.
API-First Architecture & Seamless Integration
Seamless connectivity with core banking, wallets, card switches, and gateways. ISO 20022-ready with automated schema transformation and low-code customization.
Autonomous Fraud Detection & Risk Management
Agentic AI-based transaction scoring with real-time fraud detection, velocity checks, behavioral patterns, liveness checks, and AML compliance.
Real-Time Reconciliation & Settlement
Automated reconciliation across payment rails, instant settlement tracking, and GL posting automation for accurate financial reporting and compliance.
Omnichannel Payment Initiation
Support payment initiation from mobile, web, branch, ATM, chatbot, and API channels with unified customer experience and seamless handoffs.
Intelligent Exception Management
AI-powered detection and resolution of payment failures, automated retry logic, and intelligent queue management for operational efficiency.
Cross-Border Payments
Support for SWIFT, correspondent banking, and instant cross-border rails with FX management, compliance checks, and real-time tracking.
Advanced Analytics & Reporting
Real-time dashboards, payment performance metrics, fraud analytics, settlement reports, and predictive insights for operational excellence.
Why Banks Choose BankBuddy.ai Payments Hub
Enterprise-Ready Features
Deployment Options
- • Cloud, hybrid, or on-premise
- • Multi-region active-active
- • 99.99% uptime SLA
Compliance & Security
- • PCI-DSS, ISO 27001 certified
- • Real-time AML/sanctions screening
- • Automated regulatory reporting
Integration
- • API-first architecture
- • Pre-built core banking connectors
- • ISO 20022 native support
Operations
- • Real-time reconciliation
- • Automated exception handling
- • 24/7 transaction monitoring
Business Benefits & KPIs
Measurable outcomes that drive payments transformation
95%+ STP Rate
Straight-through processing with AI-powered routing and reconciliation
40% Cost Reduction
Lower payment operations costs through intelligent automation
<2 Seconds
Real-time payment processing with instant settlement
80% Fraud Reduction
AI-powered fraud detection and real-time AML screening
99.99% Uptime
Enterprise-grade reliability with multi-region failover
15+ Payment Methods
Unified hub for cards, accounts, wallets, and real-time payments
Modernize Your Entire Payments Ecosystem
Create a unified, intelligent, and compliant payments platform that scales with your business and accelerates digital growth