A first-of-its kind implementation, the TPH solution encapsulates the entire suite of a Bank’s banking modules into an integrated hub and processes diverse transactions originating from various sources of the bank.

Montran’s TPH application covers a plethora of banking sectors such as, Digital banking, Treasury, Trade Finance, Cash Management, Collection & Disbursement, and so on. The payment hub is capable of processing payments received from any payment initiation channel of the bank such as, Internet banking, Mobile banking, Corporates, Host-2-Host and API banking. It also facilitates payments initiated by sub-member banks and the payments captured at the bank’s branches.

The application also interacts with the bank’s various card systems, loan systems, retail customers and Corporates for inward remittances.

The application interfaces with the country’s regulators such as, RBI & NPCI for domestic payments like RTGS, NEFT, NACH & CTS.

The cross-border payments and remittances are processed by interfacing with the SWIFT network.

In addition, the system will process real time payments such as UPI and IMPS.

TPH interfaces with the various source systems of the bank through various messaging adaptors such as, MQ, TCP/IP, SOAP API & REST API services and H2H. Montran’s TPH is sized to process 30 million transactions at a speed of 1500 transactions per second (TPS). The application is entirely flexible and customizable, thus facilitating enhancements on demand with quick TAT. This in turn ensures reduced time-to-market for new products.

Montran’s TPH for the bank will streamline and simplify the IT infrastructure of the bank and provide a complete solution for payment processing, end-to-end payment tracking, increased scalability, a truly one-stop solution for the bank’s payment processing needs.