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eMACH.ai
Payments
One Unified Platform, Every Payment, Enterprise Scale
An end to end platform for initiation, orchestration, execution and management of payments in a contextual, real time and API enabled ecosystem
Intellect Brings World’s Only AI-First Payments Platform to US Market as Payment Revolution Accelerates
Global leader expands US presence to help banks avoid ‘outbanked’ syndrome as $2B real-time payments revenue opportunity creates competitive window
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Packaged Business Capabilities (PBCs)
36
Microservices
81
APIs
101
Events
What's Driving Payments Evolution
The payments world is transforming fast. Here's what banks can't ignore.
Real-Time Payments Explosion
Fraud Reaching Crisis Levels
Straight-Through Processing Imperative
AI-Powered Decision Making
Cross-Border & Instant Complexity
Modern Lenders Aspire to Deliver Excellence
Speed kills. Fraud scales. Complexity compounds.
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High Intraday Overdraft Limits
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Payments Stuck in Referral
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Fragmented Limits Management
4
Missing Cut-Offs & Breaches
Payments Are the Lifeline of Banking Operations
Real-Time Processing
Enable instant and near-real-time payments across domestic and international rails.
Unified Payment Orchestration
Manage multiple payment types and networks through a single platform.
Operational Resilience
Ensure high availability, fail-safe processing, and uninterrupted settlement.
Compliance & Control
Embed validation, sanctions screening, and regulatory checks into every transaction.
A Unified Platform for Modern Payment Processing
Process a Million Payments per hour. Or just One. Perfectly.
In a world of always-on businesses, real-time expectations and complex regulatory environments, payments must be fast, resilient, intelligent and scalable by design.
eMACH.ai Payments is a next-generation, unified payments platform that supports the entire lifecycle of payments—from initiation and pre-processing to execution and reconciliation—on a single, extensible and composable architecture.
Designed to handle any payment type, any volume, any customer segment, the platform empowers banks and large enterprises to move from fragmented and siloed payment systems to a unified, resilient and composable payments platform—designed for scalability, high performance, throughput and superior extensibility.
It is a unified payments platform that enables seamless processing of single and bulk payments, across low-value, high-value, real-time, domestic, and cross-border rails, while enforcing complex workflows, rules, and controls required for modern corporate payments.
Payments becomes a strategic capability—supporting innovation, regulatory compliance and operational resilience at scale.
Complete payments platform
All of payments. One intelligent platform. Battle-tested at >$1T daily.
Payments
Multi-Rail Payment Processing
- Complete oversight
- Segregation of financials
- API-driven orchestration
- Enterprise-grade scalability
For Corporates
- Real-time visibility into spend
- Department-wise controls
- Frictionless employee onboarding
- Centralized management
For Operations
- Dynamic limit assignment
- Fungible credit pools
- Centralized billing and payment
- KCP-driven servicing workflows
End to end payments platform in a contextual, real time and API enabled ecosystem
Extreme Velocity, Absolute Resilience and Unmatched Configurability
1. Payment Initiation
- Supports multiple initiation channels and formats, enabling corporates and banks to originate payments seamlessly
- Single and bulk payment initiation
- Multiple payment standards (ISO 20022, SEPA, SWIFT, SWIFT gpi, NACHA, ACH, Proprietary, etc)
- Multiple payment formats (XML, JSON, Fixed width, CSV, Delimited, Custom, etc)
- Multi-channel initiation (APIs, H2H, Corporate ERPs, Portals, Payment gateways, Agents, etc)
- Multiple payment types (A2A, Domestic Low Value, High Value, Realtime, Cross Border, Cheques and Demand Drafts)
Business Impact
- Faster onboarding of corporates
- Reduced dependency on format-specific systems
- Improved straight-through processing (STP)
2. Payment Preprocessing
- Ensures every payment is validated, enriched, and prepared before execution—reducing errors and exceptions downstream
- Syntax and semantic validation, Format conversions
- Validations & Enrichments using reference and master data
- Support for CoP (Confirmation of Payee), VoP (Verification of Payee), SWIFT Pre-validations & 3rd party validation APIs
- Sanctions screening, AML, Fraud and Compliance checks
- Beneficiary validations and Data enrichments
- Real-time validation feedback
Business Impact
- Lower payment rejection rates
- Reduced operational risk
- Higher compliance confidence
3. Payment Orchestration & Routing
- Orchestrates complex approval flows and routing logic required for corporate and institutional payments
- Multi-level, role-based approval workflows
- Rules-driven routing by amount, geography, currency, entity
- Exception handling and repair workflows
- Warehousing for future dated payments
- Intelligent rail selection based on cost, speed, compliance
Business Impact
- Faster turnaround times
- Stronger governance and controls
- Reduced manual intervention
4. Payment Execution & Settlements
- 75+ payment rails out-of-box
- Real-time execution tracking, settlement reconciliation
- Exception handling. Status notifications
- End-to-end payment lifecycle management
- SLA-aware execution with retry and failover mechanisms
Business Impact
- Improved payment success rates
- Faster settlement times
- Consistent customer experience across rails
5. Transaction Limits Management
- Real time balances (book balance, available balance, cleared and uncleared balances etc) from multiple DDA and across the corporate accounts hierarchy
- Smart netting of balances and formula based computation of net position and gross position
- Multi limit types checked such as Daylight Exposure limits, OD Limits, Net Limit, Gross Limit, Settlement Risk Limit etc
- Multiple levels of checking such as at Account level, Account Group Level, Product Level, Multi Option Facility level, Customer level and Customer Group Level
Business Impact
- Reduce OD limits 40-50% while maintaining 99%+ approval rates
- Reduced payments risk and better funds control for the bank
- Better utilisation of group wide liquidity for corporate clients resulting in higher client satisfaction
6. ISO 20022 Remittance Repository
- Repository of ISO 2022, structured remittance data
- Comprehensive support of Remittance APIs
Business Impact
- Ability to monetize the ISO remittance data through the API enabled remittance repository
7. Payment Exception Management & Observability
- Provides end-to-end visibility and control across the payments lifecycle
- Real-time payment tracking
- Exception dashboards and alerts
- Repair and resubmission workflows
- Comprehensive audit trails
Business Impact
- Faster issue resolution
- Improved operational efficiency
- Higher trust and transparency
Why Banks Choose eMACH.ai Payments Platform
Superior Architecture, Scale. Speed. Intelligence. Security all as a Unified platform for all payment types
High Performance Velocity
The Difference: Utilizes caching, streaming, and dedicated swimlanes to process massive volumes without system degradation
Business Impact: Process millions of payroll transactions in a single file and hit instant payment SLAs in seconds with 100% reliability
Universal Format Interoperability
The Difference: Native, “fluent” support for all ISO 20022 variations (CBPR+, CHAPS, RITS), NACHA, EDI, and bespoke corporate file types
Business Impact: Reduce complex corporate client onboarding from 6 months to just a few days by eliminating “format gridlock”
Self-Healing Operational Resilience
The Difference: Features an “Always On” architecture with self-healing bots, auto-monitoring, and auto-retry mechanisms.
Business Impact: Ensure no payments are missed, cut offs are adhered to, duplicates avoided and SLA’s are adhered to – all the time, everytime
AI-Powered Smart Routing
The Difference: Precision intelligence using a Contextual Rule Engine for Least Cost Routing and “Product Flip” rail failovers
Business Impact: Automatically reroute payments from a failed rail (e.g., Fedwire) to an alternate path (e.g., CHIPS), ensuring time-sensitive transfers are never late
"No-Black-Box" Composable Workflows
The Difference: Fully externalized workflow orchestrator allows real-time changes to FX, Sanctions, and Earmarking sequences without hard-coding
Business Impact: Eliminate vendor lock-in for new rules and intelligently post across multiple core banking systems without reconciliation failures
Externalized Configurability (The "Mod-Kit")
The Difference: Provides rule engines and rail configurators that put the “keys to the engine” in the hands of the bank, not the vendor
Business Impact: Respond to new global sanctions instantly and connect to new payment rails (like FedNow) in weeks rather than years
Intelligence for the entire payment lifecycle
Stricter Compliance Checks. Efficient Payment Operations. Superior Customer Service
STRUC-X - Address Correction for Payments
Business Impact
- Compliant with ISO 20022 postal address format
- Compliant with SWIFT CBPR+ & Domestic HVPS needs
- Removes noise from address data
- Ensure compliance with high degree of accuracy
RRCS – Remittance Risk Compliance System
Business Impact
- X-border payments purpose code compliance
- X-border payment processing fast tracked
- Compliance with documentation needs for International wires
Payment Operations
Business Impact
- Faster resolution of operational issues
- Use Natural language to find what you want – faster
- Lower cost as Ops team can create custom adhoc queries w/o approaching IT
- Identify anomalies and reduce risk
Corporate GPT for Payments
Business Impact
- Customer Delight – initiate payments using NL
- More wallet share due to customer stickiness
- More fee based income from greater client stickiness
- Ability to extend Corporate GPT from payments to account services and other domains
Frequently Asked Questions
What makes the Pay9 Architecture fundamentally different from traditional Payment Hubs ?
Most legacy hubs are “black-box” systems where business logic and workflows are hard-coded by the vendor. Pay9 Architecture is an extensible and composable, 9-layer design that externalises rules and workflows, allowing banks to implement bank specific policies, rules and workflows – without waiting for vendor code updates and achieve higher availability and scalability and resilience that is required for payments
What payment types and rails are supported ?
Intellect’s eMACH.ai Payments supports 75+ payment rails out-of-the-box including Book Transfers, regional networks, domestic low and high value payments, realtime and instant payments (RTP, FedNow, SEPA Instant), SWIFT CBPR+, SWIFT gpi, ACH/NACHA, Cheques, Demand Drafts. Our DIY and extensible Rail Configurator allows you to add new rails rapidly with minimal vendor dependency
Does the platform support the specific ISO 20022 variations of our region ?
The Universal Format Model is designed to be “fluent” in all languages. It natively supports all ISO 20022 variations, including SWIFT CBPR+, RTGS formats in many countries and real time rails.
This is made possible based on a set of payments canonical models which are supersets of ISO 20022 based on our experience implementing payments in multiple markets.The platform includes a built in file mapper as well
How does the platform achieve its "Extreme Velocity" benchmarks ?
The platform is designed using eMACH.ai architecture (Events, Microservices, API First, Cloud native and Headless), This together with its unique Pay-9 architecture provides elastic scalability and runtime isolation, caching and data streaming to handle massive volumes.
By using “dedicated swimlanes,” the system can auto-prioritize high-value transactions or real-time payments while simultaneously processing bulk files, such as 4 million payroll entries, without slowing to a crawl
Can the system truly guarantee Zero Downtime during upgrades ?
Yes. The eMACH.ai Payments Pay9 architecture is built on a cloud-native, containerized microservices architecture that supports high availability and fault tolerance. This allows us to deploy upgrades, security patches, and new features while the system remains fully operational, eliminating the traditional 4-hour maintenance windows.
How does the "Self-Healing" mechanism work ?
Our payments architecture includes built in patterns such as rate limiting, circuit breakers, throttling, auto-retry, resource partitioning, liveness probes and auto scaling to ensure that services are running and if a service is lost, the transaction will resume from the point where it stopped.
Our resilience layer features an “Always On” pit crew of auto-monitoring probes that track payment flows in real-time. If a failure is detected, the system triggers auto-retry mechanisms and auto-reconciliation to ensure that no payment is ever lost or duplicated, during recovery
How does TLM - Transaction Limits Management actually work ?
Our Transaction Limits Management engine performs real-time balance aggregation across all accounts, computes net and gross positions, validates against multi-level limits (Daylight exposure limits, OD limits, Net and Gross Limits, Settlement Risk Limits etc) and manages exposure.
This intelligent netting typically reduces required overdraft limits by 40-52% while maintaining 99%+ approval rates
What about fraud detection and compliance while processing multiple payment types ?
The eMACH.ai Payment product includes integrates with banks existing fraud engines for payments fraud
Will it integrate with our existing ecosystems ?
Yes. eMACH.ai Payments is designed to integrate with existing core banking systems, payment engines, enterprise compliance and fraud check engines and other middleware. We support standard integration patterns via APIs, message queues, file-based interfaces etc.
The platform can operate alongside existing systems during transition, allowing progressive modernization and migration. We’ve successfully integrated with 20+ different core banking platforms across 43 countries.
What is "AI-Powered Smart Routing" and how does it reduce my TCO ?
The system acts as a “Payment GPS” using a contextual rule engine to determine the most efficient path for every transaction. It guarantees Least Cost Routing and “Smart Network Selection”. In the event a primary rail like Fedwire fails, the “Product Flip” feature automatically reroutes the transaction to CHIPS to meet time-sensitive SLAs.
How quickly can we deploy the payments product ?
Implementation timelines vary based on scope and the number of payment rails to be modernized. Typical deployments range from 4-6 months for core functionality. Our composable Pay-9 architecture allows phased deployment – you can start with specific capabilities and expand over time. Our single API and pre-configured rails significantly reduce integration time compared to legacy platforms
How does the platform eliminate vendor lock-in ?
By providing an externalized “Mod-Kit,” banks receive the “keys to the engine”. You can use our Rail Configurators and Rule Engines to connect to new rails like FedNow or respond to new global / local rules instantly without requiring a new project contract from Intellect
Delivering Tangible Impact Across Global Banks
UK Bank: Cut Referral Queue to Under 1%
Bank handling massive payment volumes had referrals killing SLAs. Implemented real-time balance checking and intelligent limit netting. Referral rate dropped 10% to under 1%.
Regional Bank: Achieved 99% Automated Payment Decisioning
Bank with fragmented infrastructure couldn't perform consistent real-time checks. Centralized limits management with real-time balance aggregation. Consistent global decisioning.
Recognized Excellence
One Unified Platform, Every Payment, Enterprise Scale
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