Smart routing, validation, and fraud controls
Automated decision-making for optimal payment processing, backed by native lane controls that keep every account inside its own approved boundary.
XD Payments
Orchestrate Every Payment. Control Every Risk.
XD Payments is the intelligent hub built for modern banks, unify all rails, automate operations, and gain real-time control over every transaction.
Unify All Payments
Built for real-time, multi-rail simplicity
Move money seamlessly across RTP, FedNow, ACH, Wires and Cards, without overhauling your core. XD Payments empowers your operations team to manage all rails from one smart, secure platform.
Unified orchestration for your back office
Run every rail from a single back-office console, giving your operations team one view of payments, exceptions, and approvals across the bank.
Automated reconciliation and compliance reporting
Streamlined operations with built-in regulatory compliance and real-time risk checks on every transaction, not a batch job after the fact.
Value for Payment Operations
Everything your ops team has been asking for
Smart Validation & Rail Selection
Stop chasing errors. XD Payments auto-validates every instruction, enriches data, and selects the best rail based on speed, cost, and priority, checked against native lane controls set at the customer and account level.
Seamless Execution & Approvals
Initiate payments instantly with built-in approval workflows. Execute across rails with full audit trails and no swivel-chairing between systems.
Real-Time Monitoring & Alerts
Stay ahead of issues with live dashboards, SLA alerts, and predictive flags, everything your ops team needs to act before problems escalate.
Guided Exception Handling
From failed wires to stuck ACHs, XD Payments guides you through retries, reversals, and investigations, all in-platform.
Reconciliation & Reporting
Close the loop faster. XD Payments auto-matches transactions, generates reports, and supports FFIEC and OFAC compliance.
Payments Hub
XD Payments solves all your major payment needs
One hub, every rail, RTP, FedNow, ACH, Wire, Cards, Mastercard RPPS and Visa B2B Connect.
- RTP TCH real-time
- FedNow Instant payments
- ACH NACHA batch & same-day
- Wire FedWire & SWIFT
- Cards Issuing & acceptance
- RPPS Mastercard bill pay
- B2B Connect Visa cross-border
Get Real-Time Payments
Go live with faster payments within weeks, with a single API for FedNow® and TCH RTP®.
RTP
Achieve rapid integration and certification with TCH RTP®.
FedNow
Support all payment types like send, receive, and request for pay.
Modernize Account Payments
Access a single, secure API to modernize your FedWire and ACH payments.
ACH Modernization
Initiate ACH transactions through APIs or files, effortlessly process volumes and enjoy the ease of reconciliation.
Instant Wire Transfers
Enable wire transfers, both domestic and international, for immediate funds availability.
Modernize Card Solutions
Issue and accept modern card products without new infrastructure.
Virtual Cards
Issue instant, secure virtual cards providing customers with convenience and controls.
Cardless Payment Solutions
Embrace the future with innovative contactless payment options, providing a convenient and secure experience.
Bill & Cross-Border Payments
Reach billers and corporates worldwide from the same hub.
Mastercard RPPS
Support frictionless, high quality bill payments with an RPPS biller directory that links to the vast majority of billers in the US.
Visa B2B Connect
Simplify B2B payments without complex correspondent banking relationships.
Bank Operations. Simplified
Built for bank ops
Precision and speed without the manual effort
Automated workflows eliminate repetitive tasks while maintaining accuracy.
Total visibility into transactions, exceptions, and approvals
Real-time dashboards provide complete oversight of all payment activities.
Compliance workflows baked into every step
Native lane controls at the account level ensure every transaction meets requirements, enforced in real time, not reviewed after the fact.
Collaboration made effortless
A unified platform breaks down silos between ops, IT, and finance and improves cross-team coordination.
Tech & Integration
No core disruption. Rapid deployment.
Core-agnostic
Integrates with your existing cores, ledgers, gateways, and fraud tools via APIs and secure file transfers.
Standards-native
Supports ISO 20022, NACHA, FedWire, and RTP out of the box.
Bank-grade controls
Encryption, audit trails, native lane controls and real-time risk checks on every rail.
Unify. Automate. Scale.
XD Payments integrates with your existing systems, cores, ledgers, gateways, and fraud tools, via APIs and secure file transfers.