Pre-Payment
- Payment Instructions – Validation, Authorization
- Commission / Fee/ Forex Rate Retrieval
- Risk Management
- Tracking Payment Instructions Status
- Routing Derivation
Transaction Processing Hub
Montran’s Transaction Processing Hub (TPH) brings in Montran’s 40+ years of Global Payments experience under one umbrella. TPH is a centralized system that supports payment transactions across channels and businesses, creating a fully unified banking platform. TPH enables banks to move away from the silo approach to a centralized payment processing solution, thus significantly reducing time-to-market and maintenance cost.
Key Features
Solution Components
Acquisition
- Payment Attributes Identification and Validation
- Payment Reading, Processing and Conversion
- Payment Processing Rules
- Payment Processing and Execution
- Duplicate Check
Processing
- Data Enrichment
- Routing Derivation
- Forex Rates, Fees and Charges Confirmation
- Payment Data Management
- Customer/Limits/Balance Check
Clearing
- Cross-Border Payments and Remittances/Domestic Clearing
- Correspondent/Respondent Bank Clearing
- Exchange House
- Nostro/Inter-branch/Liquidity Management
- Treasury Confirmation/Rejection
- Transaction/Account Reconciliation
- SWIFT GPI Compliance
Settlement
- Real-Time Payments Settlement
- Daily Settlement of Funds via RTGS, NEFT, ACH, etc
Support
- Clearing Agreements/SLA Management
- Payment Instructions Warehousing
- Account/Transaction/EOD Reconciliation
- 24*7 Operation Support
Key Benefits
Intuitive Technology
With an open system architecture that interweaves the latest technology and a smooth interface, TPH provides secure handling of payment, clearance and settlements with relentless confidentiality.
Unsurpassed Standards
Each module supports industry-standard and proprietary data formats with proven capability to process high volumes of requests. TPH also offers interoperability through the use of standardized Java API (JDBC, JMS, JTA, JCA), interface adapters and SOA integration.
Amplified Security
TPH follows Open Web Application Security Project (OWASP) recommendations to mitigate any system vulnerabilities. Data access security through both digital signature and encryption based on Public Key Technology and a multi-level approval policy means all information is secured with manifold protection. TPH has also successfully undergone Security Brigade's White-box Web application Penetration testing and is certified as secure.
Business Agility
TPH offers end-to-end product deployments that are expansion-ready enabling rapid process scaling and faster product evolution. This in turn enables the ability to quickly introduce new services and expand business offerings that directly impact the business objectives.
Client Focus
Commercial Banks
Corporates & NBFC
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