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    11 — Technology category · TR-140.20

    Payment Hubs & Switches

    Engines that accept, validate, route and track payments across batch, wire, instant and card rails, translating between message formats and connecting to clearing systems and card networks.

    • Payment Hub
    • Payments Engine
    • Payment Switch
    • Card Switch
    • Authorization Switch

    In scope

    • Payment orchestration across batch wire and instant rails
    • Message formats such as ISO 20022 and ISO 8583
    • Card authorization switching and issuer processing
    • Connectivity to clearing systems and networks
    • Payment repair and exception queues

    Out of scope

    • Integration platforms and connectors (see TR-60.30)
    • Bulk file exchange with partners (see TR-60.50)
    • Fraud scoring and sanctions screening of payments (see TR-140.30)
    • Account posting and balances (see TR-140.10)

    Example technologies · 8

    Well-known technologies in this category, named as facts. Not a shortlist or an endorsement.

    • ACI Connetic
    • Volante Payments
    • Finastra Global PAYplus
    • Form3
    • Marqeta
    • TSYS
    • Swift Alliance Access
    • ISO 8583

    Realizes · 5

    Elsewhere in Financial Services Platforms