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Real-time, cross-border digital payments solution—anytime, anywhere, and on any device

Deploy an always-on, unified payments hub that is built from the ground up to support ISO 20022's rich data standards and enable faster payments processing, settlement, and real-time views of cash positions. Oracle Banking Payments also supports SWIFT gpi and its newest low value cross-border payments service for SME and consumer markets.

Unified Payments Hub

A modern world needs a modern payments platform

A smart, enterprise-ready and scalable platform

A smart, enterprise-ready and scalable platform

Oracle Banking Payments is built from the ground up on a componentized architecture to support corporate payment systems, multiple payment types and industry standards, including ISO 20022, SWIFT gpi, SWIFT Low Value Payments, and PSD2.

Deliver rich services with access to prebuilt APIs

Deliver rich services with access to prebuilt APIs

From ERP integration to Siri and Alexa payments, tap into a library of more than 1,500 APIs built for Oracle’s banking suite and leverage fintech innovation to create differentiated customer experiences or launch new product offerings.

Less silos. More payment clarity.

Less silos. More payment clarity.

Built to support the data-rich ISO 20022 payment standard, you’ll open up a world of data and have complete payment visibility from the high-level trends to the individual transactions—all in real-time. And with Oracle’s rich data and fraud analytics insights you’ll have a real-time, 360-view of all inflight payments.

Oracle Banking Payments

Immediate is the new expectation

In today’s on-demand digital world, your retail banking customers expect an intuitive and frictionless payments experience across all channels, while your corporate clients need real-time clarity around their transactions to make informed, responsive decisions. Oracle Banking Payments delivers real-time payment processing and settlement at the speed of life, or commerce.

  • Support multiple modes of payments and launch new payment types
  • Always-on, 24/7/365 availability
  • Real-time payment settlement
  • Instant processing and acknowledgement
  • Enable real-time reconciliation

Work smarter not harder

Increase your straight-through processing by centralizing transactions in a single hub with a built-in rules engine to automate complex processing and optimize transaction routing—lowering the cost per payment, and raising the value you offer your customers.

  • Harmonize payments across operational silos and external market infrastructure
  • Multicurrency, multiproduct, multicountry
  • Support multiple standards, including SWIFT gpi, SWIFT LVP, ISO 20022, and PSD2
  • Standardize processes with preconfigured, automated workflows
  • Gain faster time to market while implementing new services

Built on SWIFT’s ISO 20022 messaging framework

The power of rich data can inform decisions, enrich relationships, foster innovation, and keep you and your customers secure. Oracle Banking Payments is built to support ISO 20022 and bring rich data to payments. And with Oracle’s fraud analytics insights, you’ll have a secure, real-time view of all inflight payments.

  • A single-window view of transactions
  • Better control of payments data with fraud analytics
  • Monitor suspected transaction patterns
  • Mitigate exposure to credit risk
  • Give your corporate clients working capital clarity

We’ll focus on running your payments. You focus on innovating.

Build your own connected ecosystem. From ERP integration to Siri and Alexa payments, tap into a library of more than 1,500 APIs built for Oracle’s banking suite and build differentiated payment experiences for your customers or launch new product offerings to generate new revenue streams.

  • Plug into a library of more than 1,500 ready-to-deploy APIs across payments, retail, and corporate banking domains
  • Leverage existing fintech innovation to expand and enrich your product suite
  • Generate new revenue streams and differentiate your service offerings
Oracle Financial Services and SWIFT Series

Driving Payments Modernization Through Collaboration

Oracle Customer Success

Payoneer delivers individual experiences on a global scale

Payoneer’s digital payments platform runs on Oracle Banking Payments, helping freelancers and small businesses send and receive money worldwide.

Payoneer runs on Oracle Banking Payments
Unlock New Revenue Streams

Maximize Returns with Open API Banking

The immense potential of open API banking is a game-changer for financial institutions, both in terms of enhancing customer satisfaction as well as maximizing revenue.

Unlock New Revenue Streams
Learning Library

Oracle Banking Payments Resources

Learn how to drive payment modernization with a digital payments solution.

digital payment experience

Payments Technology Rebooted

The pace of change in the payments technology space is frenetic and there is an overarching need to provide a frictionless digital payment experience.

universal payment hubs

Payments—Breaking Away From the Core

Learn how standalone universal payment hubs built on ISO 20022 can drastically reduce transaction costs and ensure banks remain at the forefront of innovation.

payments transformation

Need For Speed: Real-Time Payments and APIs

The Forrester Thought Leadership Spotlight discusses barriers to payments transformation and the business outcomes banks can achieve with emerging technologies.

SWIFT gpi universal confirmations

Driving Payments Innovation through SWIFT gpi Universal Confirmations

The cross-border payment experience is set to transform as SWIFT gpi's Universal Confirmations becomes mandatory in November 2020.

payments harmonization

SEPA Instant: Driving and Delivering Payments Harmonization

The new SEPA instant promotes ways to improve integration and operational efficiencies between payment instruments.

deflation of payments float

Deflation of Payments Float: Corporate Banking in an Era of Instant Payments

Explore the manifestation of Instant payments, as a real time processing engine, into the world of corporate businesses, defined by credit cycles and cash management, balanced sheet provisions and working capital and reconciliation struggles.

industrial standards SWIFT gpi

Could Latency Determine Your Bank’s Rating?

Banks could be ranked or rated according to their speed of payments handling—something made increasingly possible and transparent with new industrial standards like SWIFT gpi.

ISO 20022 payment messaging model

Oracle Banking Payments and SWIFT gpi

Oracle Banking Payments is a stand-alone payments hub with an architecture designed to help banks, both retail & corporate, meet the needs of a connected world. The solution is designed on an ISO 20022 Payment Messaging model.

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