Payment Galaxy

Every Rail.
One Platform.

Speed. Control. Visibility.

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Payment Galaxy

Payments run across disconnected systems—ACH in one platform, wires in another, instant payments somewhere else, and separate infrastructure for cross-border. Every new rail adds another integration, another compliance layer, and more operational strain.

Customers expect seamless, real-time payment experiences across every rail and currency. Your infrastructure shouldn’t be what slows that down.

This is where Payment Galaxy changes the equation.
Unify every rail into a single orchestration layer—so you can simplify operations, enforce consistent controls, and gain real-time visibility.

Core Capabilities

Payment Galaxy makes payment processing easier than ever.

Multi-Rail Orchestration

Orchestrate ACH, Fedwire, RTP, FedNow, SWIFT, card payments, and tokenized deposits from a single control layer through one unified API.

Intelligent Routing

Automatically route each payment to the optimal rail based on speed, cost, and business rules, with real-time monitoring and built-in fallback to ensure continuity.

Real-Time Monitoring

Track every payment from initiation to settlement with live status updates and unified dashboards showing volumes, success rates, exceptions, and rail performance.

Centralized Controls

Enforce transaction limits, approvals, fraud and compliance rules across all rails with role-based access and a complete audit trail.

Exception Management

Automate returns, repairs, disputes, and investigations with machine learning that identifies patterns, reduces manual work by up to 70%, and prevents repeat exceptions.

ISO 20022 Native

Built ISO 20022-native from day one to deliver rich data, greater transparency, seamless cross-border interoperability, and a future-proof foundation.

Batch and Real-Time Processing

Process high-volume batch and real-time payments on one platform, handling 10M+ transactions daily with sub-second latency.

Payment Orchestration

APIs Integrate payments fast with REST APIs, SDKs, webhooks, and a developer sandbox backed by a 99.9% uptime SLA.

One Control Layer. Every Payment Network.

Outside the Core

One control layer for every payment. No core disruption required.

Ingest payments from any channel.
Route intelligently.
Apply compliance and fraud checks in real time.
Track settlement from start to finish.

Real-Time Status

Real-time updates, delivered automatically.

Keep transaction status accurate across all systems while giving customers immediate confirmation.

AI Across Every Payment Network

One platform. Every payment network.

Leverage AI to optimize routing, predict failures, and manage payments across FedNow, RTP, SWIFT.

Supported Payment Rails

ACH

Settlement: Same-day and regular ACH
Use Cases: Payroll, bill payments, B2B transactions, and Pay-by-bank for merchant checkout.

Explore ACH->

Fedwire

Settlement: Real-time, irrevocable
Use Cases: High-value transactions, time-critical payments, and APIs for property management platforms.

Explore Fedwire->

RTP Icon - Star or asterisk-style finance icon.

RTP

Settlement: Real-time (sub-second)
Use Cases: Instant consumer payments, request for payment
Availability: 24/7/365

Explore RTP->

FedNow

Settlement: Real-time (sub-10 seconds)
Use Cases: Instant payments, emergency disbursements
Availability: 24/7/365

Explore FedNow->

SWIFT

Settlement: 1-2 days (T+1, T+2)
Use Cases: Cross-border payments, international wires
Coverage: 200+ countries

Explore Swift->

Token Galaxy Icon - Circular target or token icon.

Blockchain

Settlement: On-chain, real-time finality
Networks: Any blockchain or issuer, no lock-in
Flexibility: Add networks as standards evolve

Explore Token Galaxy->

Frequent Use Cases

Payment Galaxy diagram shows connections between Super Regional Bank, Regional Bank, and Credit Union.

Regional Bank Adds Real-Time Rails

Start with FedNow and RTP, then surround and shrink incumbent ACH and wire flows with modern real-time alternatives from the same platform. Move toward a unified model of payment processing that reduces costs and accelerates speed.

A visual representation of a galaxy filled with payment icons, conveying the evolution and future of payment methods.

Platform-Based Payment Processing

Use Payment Hub’s unified API to onboard platform-based payment processing. Offer customers intelligent A2A routing across instant rails like RTP and FedNow, ACH for cost efficiency, and wires for high-value transactions seamlessly.

Visual representation of the Payment Galaxy platform, showcasing its user-friendly interface and payment processing features.

Enterprise Payment Modernization

Modernize ACH and wire processing with cloud-native infrastructure using surround-and-shrink methodology, reducing operational complexity, achieving up to 60% cost savings, and launching new payment capabilities without core replacement risk.

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Frequently Asked Questions

Can Payment Galaxy run alongside our existing payment systems?

Yes. Payment Galaxy is designed for coexistence with legacy systems. Most banks start by migrating a single payment rail (typically ACH or instant payments) while keeping other rails on existing infrastructure. The platform supports phased migration with parallel processing during transition periods.

Does Payment Galaxy support tokenized money movement?

Yes. Payment Galaxy supports tokenized money across leading blockchains and consortia, alongside traditional payment rails.

It enables unified orchestration, routing, and monitoring of both fiat and tokenized transactions from a single platform.

How long does implementation typically take?

Implementation timelines vary by scope. Adding a single new rail (FedNow or RTP) takes 8-12 weeks. Migrating existing ACH processing takes 12-16 weeks. Full payment infrastructure modernization across all rails typically completes in 6-9 months using our phased migration approach.