Provider Category: Payments & Cards
SPARK Payment Core
Modular payments platform enabling secure, scalable end-to-end processing.
Modular Payments Platform for Secure, End-to-End Payment Processing
A modular, end-to-end digital payments platform designed to seamlessly complement core banking systems. It supports issuing, acquiring, processing, and value-added services such as wallets and BNPL, with PCI-compliant infrastructure ensuring secure, scalable, and high-performance payment operations.
Key benefits
End-to-end payment capabilities across issuing, acquiring, processing, clearing, and settlement, enabling financial institutions to manage the full payment lifecycle within a unified, PCI-compliant platform.
Modular and API-driven architecture that integrates seamlessly with existing core banking systems, allowing progressive adoption of capabilities without disruption to current operations.
Accelerated time-to-market for new payment products and services, including wallets, loyalty, and BNPL, enabling institutions to rapidly respond to evolving customer expectations and market opportunities.
Scalable, secure, and PCI-compliant platform supporting multi-market growth, ensuring high availability, regulatory alignment, and consistent performance under increasing transaction volumes.
Key features
Comprehensive issuing capabilities, including card lifecycle management, tokenization and detokenization, and integrated loyalty programs, delivered within a PCI-DSS compliant environment to ensure secure card data handling.
Advanced acquiring functionality with merchant and terminal management, supporting secure onboarding, transaction processing, and monitoring aligned with PCI compliance requirements.
Robust processing engine covering transaction switching, clearing, settlement, reconciliation, dispute management, and real-time monitoring, built on a secure, PCI-compliant processing framework.
Integrated value-added services such as digital wallets, cashback, and BNPL, enabling differentiated customer experiences while maintaining secure, compliant payment data management.
Resources
Spark Core Brochure
MS Solutions Corporate Brochure
Case Studies
Spark Issuing Suite
Spark Acquiring Suite
Spark Acceptance Suite
Spark Clearing Settlement
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Mastercard Move: Enable fast and transparent global money transfers to billions of people
Mastercard Move is Mastercard’s portfolio of global money movement capabilities. Mastercard Move enables banks, corporates, non-bank FIs, digital players, and governments – and their customers – to send and receive funds across borders and payment types. It delivers fast, secure, and transparent payment experiences by leveraging Mastercard’s trusted card and non-card networks and is built to deliver strong value for our customers.
Benefits
Reach and choice
Mastercard Move enables fast and secure money transfers, both domestically and internationally, reaching nearly 17 billion endpoints across more than 200 countries and territories, and more than 95% of the world’s banked population.*
Speed
Mastercard Move enables quick, seamless payments across both domestic and international use cases. Internationally, Mastercard Move allows money sent to bank accounts, cash pick-up locations, digital wallets and cards** to be received quickly.
Transparency
Mastercard Move provides FX rates with no hidden fees and offers transaction tracking in a growing number of corridors to provide confidence around when funds will be delivered.
Security
Mastercard Move provides a secure, authenticated, reliable and stable network underpinned by the Mastercard brand, with value-added services including fraud prevention, validation, risk management, and customer experience tools for optimal payment experiences.
Operational efficiency
The Mastercard Move portfolio offers a one-stop shop for customers to unlock a variety of payment experiences.
Overview
One-stop-shop for a variety of payment experiences
Worldwide transfers to cards, accounts, e-wallets, and cash locations**
Real-time*** and Near Real-Time Payments
Fraud Prevention and Risk Management Tools
Visibility of costs, fees, and payment status, all within a user-friendly experience
| *As of April 2025. Figures represent combined totals across all Mastercard Move solutions |
| **Payout options depend on product used and are subject to market availability |
| ***Actual posting times for approved transactions will depend on the receiving financial institution |
Resources
Mastercard Move – Set money in motion
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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
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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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Thunes is a cross-border payments network that powers some of the fastest growing financial institutions and platforms globally.
Thunes propiatry payment rail is able to deliver money into 130 countries, across 80 currencies in real time. Thunes payment rail has the ability to access 5.6 billion bank and mobile wallet accounts, covering 90% of the worlds population.
Thunes value proposition is that via a single point of integration and relationship, the sending institution will have the ability to deliver funds into 130+ markets across 80+ currencies, including some of the hard to reach yet fast growing markets (Latam, Africa, Asia), without the need to establish additional banking relationships
Overview
Thunes is a regulated psp operating a set of alternative cross-border payment rail for financial and non financial institutions, remove the complexity of sending international transfers via corresponding banking
Eliminating the cost and resource required to build corresponding banking relationships
Provide an overall more transparent, reliable and real time payments expereince for your customers
Provide instant access to 130 countries and the revenue opportunity in those markets
Thunes payment rail is unique, it is able to deliver funds in real-time, with guaranteed fees upfront at competitive rates, this is achieved by removing the intermediaries in the traditional corresponding banking
Resources
Thunes Introduction
Payout Network Coverage Summary
Cross Border Payments Quick Guide
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Standard Chartered
Powering FX capabilities for financial institutions.
From international corporate banks needing to access specific markets, to digital-first banks and retail banks managing remittances, Standard Chartered Aggregated Liquidity Engine (SCALE) on Temenos provides comprehensive FX-solution coverage.
Gain fast-to-market access to our FX capabilities, with fewer technology-resource requirements. Plus, the option to combine with Temenos Payment Hub enables you to consolidate SCALE with payment rails worldwide, on a single platform.
Meet all your FX needs with a wide variety of capabilities and unrivalled currency options.
Get started fast, go to market faster: Save time and resources with this integration and meet your clients’ FX needs faster.
Reach new and emerging markets: A world of G10, emerging and frontier FX opportunities awaits, all via a single point of access.
Optimise your FX risk management: Manage volatility exposure via SCALE’s rate-holding options.
For financial institutions to unlock new markets and growth
Corporate Banks
Automation is typically the key to unlocking efficiencies in FX execution, yet embedding relevant solutions can be resource draining. Get in touch to learn how SCALE can help.
Retail Banks and Wealth Managers
As cross-currency payments and investment accelerate, offer your customers the best in FX capabilities for low-value, high-volume transactions. Get in touch to learn how SCALE can help.
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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.