Payment Hub

A Modern Real-Time Orchestration Engine for Digital Banking & Payments

M^Dynamics Payment Hub

Banks today remain constrained by legacy ESB and EAI platforms, systems never designed to handle the real-time, high-volume demands of modern digital payments. M^Dynamics Payment Hub breaks through these limitations with a high-performance, low-code, multi-rail orchestration engine that accelerates modernization and dramatically reduces time-to-market. Powered by the M^Dynamics real time OLTP platform, the Payment Hub provides a unified foundation for end to end payment processing. It seamlessly integrates ISO20022 and ISO8583 rails, open API channels, digital banking systems, and external payment schemes, ensuring smooth interoperability across new and existing infrastructures.

Extending beyond integration, the Payment Hub connects all digital channels into a single, cohesive ecosystem, including:
• Mobile & Internet Banking
• eWallet & QR Payments
• ATM Networks
• POS / xPOS / EFTPOS Terminals
• API Gateways
• Third party Fintech Services

This unified architecture gives banks the agility, scalability, and operational efficiency needed to compete in a real time, always on digital economy.

THE CHALLENGES IT SOLVES

Across discussions with banks, partners, and industry players, one question consistently arises - and the challenges are almost always the same:

Overloaded ESB

Overloaded ESB slows down digital transformation

Legacy systems

Legacy systems require heavy coding and long release cycles

Multi-channel fragmentation

Multi-channel fragmentation increases operational risk

ISO formats

ISO 20022 + ISO 8583 + proprietary formats overwhelm middleware

Uptime resilience

Uptime requirements demand mission-critical resilience

Trusted by Leading Financial Institutions

Overloaded ESB

Backed by over 17 years of uninterrupted production at a leading European payment operator, our platform has consistently delivered mission critical reliability, high performance, and long term operational resilience in one of the world’s most demanding payment environments.

Legacy systems

For more than 8 years, our technology has powered a Singapore’s largest and most trusted payment processor — enabling high volume, real time transactions across a nationwide ecosystem of banks, merchants, transit operators, and digital payment channels.