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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
Built for Always-On Payments
Trusted by banks to run high-volume, mission-critical payment operations with zero downtime and full regulatory confidence.
2
PBCs – Packaged Business Capabilities
40
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.
1
High Intraday Overdraft Limits
2
Payments Stuck in Referral
3
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, corporate 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 corporate 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)
- Multiple payment formats (XML, JSON, Fixed width, CSV, Delimited, Custom)
- Multi-channel initiation (APIs, Files, H2H, Corporate ERPs, Portals, Payment gateways, Agents, Billers)
- Multiple payment types (A2A, Domestic Low Value, High Value, Realtime, Cross Border, Cheques, 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
- 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 balance aggregation across corporate accounts hierarchy
- Intelligent netting of inflows/outflows
- Multi-level limit checks (transaction, daily, velocity)
- Daylight exposure monitoring
Business Impact
- Reduce OD limits 40-50% while maintaining 99%+ approval rates
- Reduced payments risk and exposure
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 up to 4 million payroll transactions in a single file and hit 3-second instant payment SLAs 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: Deploy major upgrades and security patches with Zero Downtime, ensuring a 24/7/365 global payment presence without maintenance windows
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 instant payment decisions
Sub-second decisioning. Real-time fraud detection. Self-optimizing workflows
Instant Fund Availability Checks
Business Impact
- Real-time balance aggregation
- Net position computation
- Daylight exposure validation
- Intelligent referral with auto-retry
Smart Payment Routing
Business Impact
- Cost optimization by rail and FX
- Speed vs. cost trade-offs
- Compliance-aware routing
- Predictive cut-off management
Fraud Detection & Prevention
Business Impact
- Behavioral pattern recognition
- 85% reduction in false positives
- Real-time anomaly scoring
- Network analysis
Workflow Optimization
Business Impact
- Process mining identifies bottlenecks
- Auto-configuration recommendations
- STP rate improvements
- Resource allocation
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 modify the sequence of events—such as FX-Foreign Exchange, Fraud and Sanctions Checks, and Funds Earmarking – without waiting for vendor code updates.
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, SWIFT gpi, ACH/NACHA, Cheques, Demand Drafts. Our DIY and extensible Rail Configurator allows you to add new rails in weeks without 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 CBPR+, CHAPS, and RITS, as well as NACHA, EDI, and bespoke corporate files. This interoperability reduces corporate client onboarding from months to just a few days.
How does the platform achieve its "Extreme Velocity" benchmarks ?
The platform is designed using microservices architecture style, providing 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 while simultaneously processing large 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 major 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 resilience layer features an “Always On” pit crew of auto-monitoring expert agents that surveillance 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, duplicated, or manually re-processed 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 positions considering pending inflows and outflows, validates against multi-level limits (transaction, daily, velocity), and monitors daylight 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 AI-powered fraud detection with behavioral pattern recognition, real-time anomaly scoring, and network analysis. We’ve demonstrated 85% reduction in false positives. Built-in sanctions screening, AML/CFT checks, fraud checks, compliance rule engine, and audit trails ensure regulatory compliance. All fraud and compliance capabilities operate in real-time without impacting processing speed. In case the bank wishes to use externalized engines for each of these compliance checks the platform can invoke the outbound API in real-time and based on the outcome of those checks, processes the payment.
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, events, message queues, and file-based interfaces. The platform can operate alongside existing systems during transition, allowing progressive modernization and migration. We’ve successfully integrated with 60+ 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 3-6 months for core functionality. Our composable Pay-9 architecture allows phased deployment – you can start with specific capabilities and expand over time. Many banks begin with Transaction Limits Management or specific payment rails and gradually expand. 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 sanctions 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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