Payments Hub

Every Payment.
One 

A multi-channel, multi-rail payments hub enables clients to process every payment type from one platform.

Product Overview

Avante routes every payment: domestic, cross-border and instant, across all channels and rails from one hub.

A multi-channel, multi-rail hub for domestic, cross-border and instant payments. Route each payment to the best rail, screen it in real time and reconcile it automatically.

  • Payment OrchestrationSmart routing
  • Multi-Rail ConnectivityRTGS, ACH & instant
  • Cross-Border & SWIFTISO 20022 ready
  • Fraud & LimitsReal-time controls
  • Corporate PaymentsBulk & payroll
  • Open Payment APIsEmbed payments anywhere
Another view of the same product
Channels & Experience:4 channels
Payments Engine:4 modules
Data, Reporting & Integration:8 services
Security & Governance:6 controls
Payments Hub Integrations:9 connections

Security & Governance

  • Access ControlRole-based & SSO
  • Maker-CheckerDual authorization
  • EncryptionAt rest & in transit
  • Compliance ControlsAML & KYC checks
  • ObservabilityMonitoring & SLAs
  • Flexible DeploymentCloud or on-premise
Layer 1

Channels & Experience

Mobile & WhatsApp BankingCustomer payments
Corporate PortalBulk & payroll
Branch & TellerAssisted payments
Partner APIsEmbedded payments
Layer 2

Payments Engine

Payment OrchestrationSmart routing
Multi-Rail ConnectivityRTGS, ACH & instant
Cross-Border & SWIFTISO 20022 ready
Fraud & LimitsReal-time controls
Layer 3

Data, Reporting & Integration

Open APIsREST & events
Core Ledger SyncReal-time postings
Data Lake & AnalyticsUnified data platform
DashboardsKPIs & insights
Alerts & NotificationsOmni-channel
Audit TrailsImmutable logs
Regulatory ReportingCentral bank ready
Host-to-HostLegacy integration

Payments Hub Integrations

Core Banking Instant Payments National Clearing SWIFT Card Networks Digital Wallet Risk & Compliance Reconciliation Treasury

Avante Value Proposition

Choose your institution to see the use cases that matter most to you.

Payments Hub Consolidation

Replace many payment systems with one hub.

Value for you
  • Fewer systems to maintain
  • One view of every payment
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ISO 20022 Migration

Rich payment data, ready for new standards.

Value for you
  • Compliant with new message formats
  • Better data for compliance and analytics
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Corporate Bulk & Payroll Payments

Thousands of payments in a single file.

Value for you
  • Payroll paid on time, every time
  • Real-time status for corporates
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Shared Payments Gateway

Reach national rails through one connection.

Value for you
  • Rail access without big investment
  • Modern payments for members
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Bill Payments for Members

Pay utilities and bills from any channel.

Value for you
  • Convenience that keeps members loyal
  • New fee income
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Standing Orders & Direct Debits

Automated recurring payments.

Value for you
  • Payments never missed
  • Less manual work for staff
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In-App Instant Transfers

Send money in seconds inside the app.

Value for you
  • Real-time payment confirmation
  • A delightful customer experience
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Request-to-Pay

Payment requests approved in one tap.

Value for you
  • Faster collections
  • Fewer payment errors
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Smart Payment Routing

Every payment sent on the best rail.

Value for you
  • Lower cost per payment
  • Higher success rates
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Instant Loan Disbursement

Pay out loans in real time.

Value for you
  • Borrowers funded immediately
  • Fewer disbursal errors
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Repayment Collections

Collect repayments across every rail.

Value for you
  • More repayments on time
  • Automatic matching to loans
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Field Collection Payments

Agents collect and deposit digitally.

Value for you
  • Less cash handling
  • Real-time view of collections
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Payments-as-a-Service APIs

Offer payments through simple APIs.

Value for you
  • Payments live in weeks
  • One API for many rails
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Cross-Border Remittances

Send money abroad quickly and cheaply.

Value for you
  • Transparent fees and FX
  • Faster delivery to recipients
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Merchant Settlements

Pay merchants automatically, every day.

Value for you
  • Merchants paid on time
  • Settlement reports generated for you
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Supplier & Vendor Payouts

Pay suppliers at scale, on time.

Value for you
  • Stronger supplier relationships
  • Early-payment discounts captured
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Customer Refunds

Refund customers instantly.

Value for you
  • Happier customers
  • Lower support volumes
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Marketplace Split Payments

Split each payment between sellers and platform.

Value for you
  • Commissions handled automatically
  • Sellers paid correctly
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Premium Collections

Collect premiums by card, debit or transfer.

Value for you
  • More premiums collected on time
  • Fewer lapsed policies
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Instant Claims Payouts

Pay approved claims in real time.

Value for you
  • Faster, happier claimants
  • Lower claims handling cost
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Agent Commission Payments

Pay agents accurately and on schedule.

Value for you
  • Commissions calculated automatically
  • Motivated, loyal agents
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Transform Your Business Now

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