Payments consulting solution

Payments modernization

Existing payments systems lack the strategic value banks need today; they need a modernized payments infrastructure that reduces friction by connecting traditional banks, payment operators, clearing and settlement mechanisms (CSMs), including blockchain and fintechs.

The next frontier in defending against payment fraud

Harnessing generative AI and cloud solutions

IBM Payments ecosystem vision

A global network of payments ecosystems to enable rapid, multi-industry transformation through a secured, stable and scalable framework on an open and collaborative marketplace.

IBM Payments Center capabilities

Our approach to a global payments ecosystem offers consulting, architecture, and engineering services, using standardized payments infrastructure, through a marketplace approach with point solutions and as-a-Service capabilities.

IBM Payments Center expertise leverages a variety of environments, including multiple cloud models.

We bring together the best of IBM Consulting and Technology to reduce infrastructure costs, enhance operational efficiency, and improve customer experience for financial institutions and businesses.

Services

Payments services and consulting

IBM Payments Center can help accelerate the payments modernization initiatives of payments providers and all businesses in the payments industry, offering industry, architecture, and engineering expertise in payments consulting and services.

Outsourcing payments processing

The IBM Payments Center offers outsourcing through our Payments-as-a-Service (PAYaaS) platform. This allows businesses to reduce the infrastructure and operational costs of current payment systems.

IBM Cloud for Financial Services®

The IBM Payments Center is delivered on IBM Cloud for Financial Services. It is designed to address the requirements of financial institutions for regulatory compliance, security and resiliency. These services can help manage the growing cloud risks with security and compliance.

IBM Service Bureau for Swift

Global financial messages

Connectivity and services

Global communication

IBM and Swift for global financial messages

IBM Service Bureau for Swift provides the flexibility to easily integrate with Swift and adopt new services that can quickly respond to changing network and regulatory requirements. By providing a single solution that meets the Swift compliance standards, this flexibility offers opportunities to mitigate costs, innovate and stay competitive as market demands evolve.

Other IBM Payments Center offerings

Check services

The IBM Payments Center - Checks-as-a-Service solution includes cloud, services, and security software. This end-to-end offering provides cost-effective check processing technology and services.

ISO 20022

All electronic payment and messaging services offered by IBM are ISO 20022 enabled. The IBM Payments Center also offers transformation services for clients wishing to facilitate the implementation of ISO 20022 messaging.

Digital assets

IBM Payments Center is building the next-generation infrastructure for financial services, combining advanced tokenization and digital asset capabilities to modernize financial asset management and streamline payment transaction processing.

Next steps

Tell us about your payments system needs.

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