Provider Category: Payments & Cards
Our world-class trading platform and integrated payment solutions can be customized to your unique business requirements.
As your trusted partner, we help solve the challenges of processing payments, enabling your organization to create, integrate, service, and scale a world-class currency and payments offering. We aim to enhance your offering with new payments and access to currency risk management tools, or process transactions on behalf of your customers, fueling your strategic growth.
Foreign exchange derivative/hedging tools involve risks and may not be suitable for all companies. Market conditions may affect outcomes
Key Benefits
Integrated Payments can be embedded into your digital banking or core systems to create a seamless user experience for tellers, online banking users, and back-office operations.
Payments can be tracked online as easily as tracking a package, reducing member frustration and increasing trust.
Security features, including multi-factor authentication, real-time fraud monitoring, as well as regular audits and compliance checks.
The ability to fully embed or our award-winning online trading platform into your tech stack to give you (and your members) a competitive advantage.
Key Features
Leverage Global Infrastructure
Corpay’s robust payment rails and expansive global network network of correspondent banking partners can help lower transaction fees and reduce processing delays, expediting customer payments across borders.
Payment Solutions
Our expertise helps you streamline and simply the payments process, maximizing client resources while ensuring payments are made quickly and accurately, and in accordance with local reporting and regulatory requirements.
Multi-Currency Accounts (MCAs)
Clients can receive and pay out foreign currencies from a secure account in their own name, simplifying the payments process for them and suppliers, and sidestepping the hassle of opening foreign bank accounts.
Availability of MCAs varies by jurisdiction; not available in all markets — contact Corpay for details
Tailored Services
Dedicated customer service alongside our technology offering, as well as the expertise of your local currency research team
Resources
MCA for FIs
About Corpay
FI Case Study
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PSCU - Collection
Access Credit Card Information with PSCU. Integrated to the Temenos LMS Collection and Recovery Module
The PSCU connector allows credit card information from PSCU to be easily accessed directly within Temenos LMS Collection.
Key Features
Import Capabilities
Files are imported daily from PSCU and stored at the account-level. This information is available for searching, creating queues, reporting, and building custom screens.
New Fields and Screens
Through all three interface options, users can gain access to fields such as card numbers and balances. Additional fields and screens related to recent activity, payment history, reward points and statement records can be accessed using the real-time interface option.
Real-Time Functionality
Through the real-time interface, users can update demographic information, activate credit cards, order replacement cards, and request PIN reminders.
Benefits
Save Time
Reduce time spent toggling between multiple systems by importing PSCU credit card information directly into the platform.
Access Additional Fields
Through the PSCU connector, institutions will see additional credit card fields ithat are not provided by the core system.
Receive Current Information
Information received using the direct interface with PSCU is more current than that which is received from the core.
Improve Account Management
Take advantage of the platform’s powerful workflow engine and build workflows for PSCU accounts.
Resources
PSCU Connector – Collection
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SWBC - Payments
Streamline the Payment Process with SWBC Payments. Integrated to the Temenos LMS Collection and Recovery Module.
The SWBC Payments connector provides direct integration to SWBC’s Electronic Cash Management (ECM) tool for highly secure and efficient electronic ACH and card transactions within Temenos LMS Collection.
Key Features
Collect Payments by Phone
The SWBC Payments connector has the ability to collect single payments using checking accounts, savings accounts or debit/credit cards. Build the workflow to fit your institution’s unique needs.
Fully Integrated with Workflow Activities
Once activated, ECM is an available step type that can be easily added to new or existing workflows. In addition, the SWBC Payments connector improves promise to pay efficiencies and effectiveness by providing the option to schedule transactions based on newly created promises to pay. The flexibility is yours to manage.
Apply Payments to Multiple Accounts in One Transaction
Your staff has the ability to initiate payments for multiple accounts using one transaction. As an example, a borrower may pay their auto loan and their credit card without your staff having to key in two separate transactions.
Reporting at Your Fingertips
Dashboards provide detailed reporting of transaction statuses. Quickly and easily monitor your staff’s activity. Reports may be sorted by a specific user (or by all users), filtered by any given date range, and exported to Word or Excel.
Schedule Recurring Payments
Recurring ACH transactions may be scheduled using checking accounts or savings accounts. In addition, the SWBC Payments connector provides your staff the ability to print the NACHA required written authorization form.
Benefits
Reduce Collection Costs
The SWBC Payments connector gives you the ability to run secure transactions through the system rather than manually processing checks or going outside the platform to process payments.
Improve Collection Time and Reduce Delinquency
Electronically process payments and collect funds while on the phone with the debtor.
Reduce Errors
Reduce transaction errors through ABA verification and real-time card authorization.
Resources
SWBC – Payments
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Carry out financial transactions with a digital wallet & open banking platform that has 120 features fully integrated
EnWallet is a next-generation digital wallet and payment platform that unifies open banking, SoftPOS, and payment gateway capabilities within a single ecosystem. With over 120 ready-to-use wallet features, multi-currency support, and modular APIs, EnWallet enables financial institutions to launch secure, compliant, and fully customizable digital payment services, ready to scale into a super app.
Key benefits
Certified & Secure Architecture
Built with advanced omni-channel architecture, EnWallet meets the highest security and regulatory standards, ensuring continuous compliance and reliability.
End-to-End Payment Ecosystem
Combines wallet, payment gateway, and SoftPOS functions in one platform — offering institutions a complete, compliant, and secure foundation for digital finance.
Faster Time-to-Market & Flexibility
Provides modular and flexible infrastructure, reducing deployment time and cost by up to 50%, while supporting multiple integration options and third-party services.
Multi-Currency & Multi-Platform Support
Supports iOS, Android, React Native, and Flutter with multi-currency account management, enabling global transactions through a unified, seamless experience.
Key features
Open Banking Module
Offers regulatory-compliant API infrastructure enabling real-time account sharing, consent management, and payment initiation between banks, third parties, and fintechs.
Digital Wallet
Delivers 120+ ready-to-use wallet functions with customizable design, loyalty features, and Wallet-as-a-Service (WaaS) capabilities, ready to evolve into a super app.
Payment Gateway
Supports multiple payment methods with real-time processing, automated onboarding, and value-added services, empowering merchants and payment facilitators on one platform.
SoftPOS
Transforms any Android device into a contactless POS terminal, supporting multi-acquirer setup, smart switching, and analytics for cost-effective, sustainable payments.
Resources
Request a demo
PSCU - Lending
Streamline the creation of credit card accounts with the PSCU Connector. Integrated to the Temenos LMS Loan Origination Module.
The PSCU connector allows credit card fulfillment request and update information to be transferred directly between Temenos LMS Origination and PSCU.
Key Features
Seamless Connection
The PSCU connector supplies a seamless connection between PSCU and Temenos LMS Origination. When a loan is approved and disbursed, all information is automatically transmitted to PSCU where requests for new credit card accounts, increased credit limits, or additional authorized users can be easily processed.
Support of Multiple Products
Temenos LMS Origination’s dynamic rules engine can support an endless number of credit card programs. Data such as card type, card design, and over the limit fees can be customized for each card offering and transmitted directly to PSCU with this connector.
Real-Time Communication
This connector provides a real-time connection between Temenos and PSCU. Credit card request are instantly transmitted for timely processing.
Benefits
Reduce Data Entry
Information from Temenos LMS Origination is automatically pre-populated in PSCU for account creation and servicing, eliminating human error and the need for double data entry.
Increase Efficiency
The PSCU connector eliminates the need to toggle between software applications to manage credit card service requests.
Decrease Processing Time
A real-time connection between Temenos and PSCU allows for a quick turnaround on credit card service requests which can improve account holder satisfaction and ensure processing time is kept to a minimum.
Resources
PSCU – Lending
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Wise
Wise for Banks – Modernising your International Payments Experience.
A Customer-Centric International Payments Solution
Wise is a global technology company, building the best way for people, businesses and financial institutions to move money around the world. More than 10 million customers use Wise – whether sending money to another country or making and receiving international business payments, Wise is on a mission to save customers money.
Financial institutions can seamlessly tap into Wise’s infrastructure to power a remarkably fast, convenient and transparent cross-border payments service for their customers – natively within your banking app. Globally, financial institutions have partnered with Wise, leveraging its complete infrastructure to scale their own reach, improve customer experience and reduce their costs.
Overview
With Wise international payments are:
Global
Leverage Wise’s local connectivity across 80+ countries. Wise invests heavily in its local banking network, including direct integrations to payment schemes – building an alternative to traditional correspondent banking rails.
Cheaper
Wise’s investment in experience not only delivers a high NPS, but also has verifiable cost savings. Wise will continue to invest in its product to bring its costs down, passing this straight through to you and your customers.
Faster
Investing in the power of instant. Over 30 percent of all global transfers are delivered instantly, with over 50% delivered within the hour.
Easier
Best in class APIs and design documentation – a trusted, out-of-the-box and completely online solution available with minimal integration and ongoing maintenance effort.
More Transparent
Transparency is becoming the norm – regulators globally are assessing how foreign exchange pricing has been implemented. Wise’s service uses the real, mid-market exchange rate as seen on Google or Reuters.
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Unlock the full power of Open Banking with Salt Edge API
Salt Edge enables businesses to connect to end-customers’ bank accounts from across the globe, and supports them with instant payment initiation, data exchange and enrichment solutions.
Overview
The Global Data Aggregation API is the cornerstone of Salt Edge’s technology, with a coverage of over 3000 financial institutions in 60+ countries. It presents you with the end-customer’s transaction information in a clean and easy-to-understand format to offer a holistic overview of their financial wellness.
Aggregates end-customer account data from any EU bank via a single API gateway. By integrating just one API, you get access to thousands of bank connections. Salt Edge takes care of all the registration and technical connections to banks, helping you to focus on your core business.
Initiate payments on behalf of end-customers, with their consent, from any of their EU bank accounts, via Open Banking and PSD2 channels. Salt Edge API supports any payment types which are provided by each single bank: one-time, future dated, scheduled, bulk payments, etc.
Financial Institutions receive a set of Value-Added Services for conducting complex financial behavior analysis. Salt Edge empowers you to provide personalized services and conduct better risk assessments based on detailed customer spending patterns.
Resources
Global Data Aggregation
General presentation
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End-to-end Collection & Recovery Technology
QUALCO Collections & Recoveries helps banks manage high volumes of non-performing assets effectively and compliantly. The technology uses data-driven analytics to predict customer behaviour and optimise treatment strategies. It manages debt portfolios through the entire lifecycle, from performing accounts to early delinquency and recoveries. The solution supports all banking products, from unsecured debt to mortgages and SME loans and is used by creditors to manage accounts on both an in-house and outsourced basis.
Overview
The Perfect Fit for Temenos Tier 1 & 2 Banks
Our solution ideally fits to Temenos Tier 1 & 2 Banks size and business needs. Secures smooth T24 & Insight integration and evolution of the system.
A Highly Sophisticated Decisions Engine
A highly sophisticated Decisions Engine enables the originator to determine the resolution strategy to apply, and manage the flow of the portfolio throughout the various stages of the debt lifecycle.
Compliant with ECB Guidance for Npl Management
Set up workout units and allocate management. Reach a sustainable solution by considering disposable income and Net Present Value. Implement Going and Gone Concern approaches through user configurable workflows and configure restructuring products that offer a wide variety of options such as interest rate reduction, tenor extension, debt forgiveness, and split balance balloon payments.
Clarity on Performance
Clarity on performance, measurement and reporting. Monitor & improve productivity/financial performance through real-time reporting & analysis tools and built-in Data Warehouse.
Features
Advanced Segmentation, Customer Classification and Strategy Definition through the most sophisticated Decision Engine in the market incorporating scoring and decision that enables business decisions & automates treatment processes.
Customer Solutions functionality to configure, negotiate and offer affordable solutions to the customer with flexible repayment plans. Calculation of the NPV of affordable Solutions allows for ranked proposals to bank’s customers.
Financial Assessment functionality that identifies the disposable income of the client in order to choose the most appropriate solution and proper strategy re-shaping.
Collateral Management & Asset registry functionality for the management and maintenance of a detailed list of collaterals pledged by customers against their loan, with detailed information on their characteristics.
Legal Management and Process Set Up, through a fully configurable environment that supports end-to-end legal processes along with any related action taken to customers and accounts going under litigation.
“One Call to Customer approach”. Due to the Customer centric approach of Qualco Collections & Recoveries and the presentation of all Customer information in one screen, the system allows the agent to conduct “one call” managing the complete Debt relation with the Customer.
Customer relationships (e.g. main debtor, guarantors, joint cardholders, and other co-signers) between the account and customers of the Bank can be displayed and handled through the Collection Screen and various actions that allow different treatment for main owner and co –signers is supported.
Reporting at any management level through comprehensive and user-friendly out-of-the-box data warehouse, analytics environment & dashboard presentations.
Resources
United Bulgarian Bank case study
Vojvodjanska Banka case study
kbc case study
Stopanska Banka case study
ISV Assessments/Awards
ESG & Enterprise Readiness Assessment Scores for QUALCO conducted by The Disruption House
| Category | Award | Date |
| Business Resiliency Accreditation | Builder | February 2024 |
| Sustainability Accreditation | Builder | February 2024 |
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