Newgen Payment Hub Solution

Disjointed payment processes for

different modes of payment

Multiple payment formats (CTS,

ACH, RTGC, SWIFT, etc.)

High operational costs for

managing legacy systems

No flexibility to accommodate

changes in the payments

landscape

Lack of visibility across various

payment processes

Suboptimal performance due to

high transaction volumes

Difficulty in adhering to

regulatory compliance

Overview

Key Challenges

Digital payments are on the rise, making it critical for financial institutions to

streamline their processes for managing different modes of payment and

keeping track of enterprise-wide monetary transactions. A payment hub

consolidates and centralizes the various payment systems to enable agility,

reduce costs, and improve efficiency.

Newgen's payment hub solution bridges the silos between different payment systems used

by financial institutions to facilitate and manage all payment types through a single, unified

interface. Built on a digital automation platform, with low code and cloud capabilities, the

solution modernizes the payment architecture to enable a single payment gateway, thereby

providing more control on monetary transactions and creating a future-ready enterprise.

Newgen Payment Hub Solution

Payhub Ecosystem

ACH

CTS

Payment Hub

RTGS/RTC

WireTransfer

Swift

Wallet

SEPASCD/SDD

CrossBorder

(WU/MG)

Host-to-host

INPUT CHANNELS

PAYMENT HUB STRUCTUREOUTPUT CHANNELS

Customers Internet Banking/H2H

Clearing HouseOutward CTS/ACH/

RTGS/RTC/Returns/etc.Other SystemsMobile/ATM/POS/

Phone/Cards

Bank BranchesCBS Transactions

(On Us)

Bank Branch/Department CBS Users

SWIFTOutward Messages

Transmission (MT/MX)

SWIFTInward Messages

Clearing HouseInward CTS/ACH/RTGS/RTC/SEPA

Payhub DirectInterface-Initiate CBS/CH/SWIFT (Outward)

Originating Channels

Internet Banking

Bank Branches (Walk-ins)

Host-to-host (H2H)

Mobile Banking

Phone Banking

ATM

POS

Cards (Credit, Debit, Prepaid Cards)

SWIFT

Clearing House

Business Entities

Originating Channels

Payment Networks

TransactionTypes

PaymentProducts

Domestic International

Clearing Cheques

Fund Transfer (On Us)

EFT/ACH (Debit/Credit)

RTGS (High Value Payments)

RTP/RTC (Low Value Payments)

UPI

SEPA (SCD/SDD)

Mobile Wallet

Cross Border Payments

(WU/Money gram)

Cross Border Payments - SWIFT

SEPA Payments (SCD/SDD)

Payhub Products

Retail Banking Customers

Corporate Banking Customers

Private Banking Customers

Credit Card Holders

Branch Users

Departments Users (Trade

Finance, Treasury, etc.)

Other Financial Institutions

Payhub Users

CTS

Domestic Payments

(ACH/RTGS/RTC)

SWIFT MT (FIN)

SWIFT MX (ISO 20022)

SWIFT FileAct

SEPA

SAP iDoc, XML

CARD Payments

(MASTER/VISA/AMEX)

Treasury Payments

Security Payments

Outgoing Payments

Incoming Payments

Batch/Bulk

Single Real time

R-type transactions

(Reject/Refusal/Return/Refund/

Request for Cancellation/Reversal)

Mixed Payment Instruction Files

Supported Payment Modes and Types

Payment Modes Payment Types

Payhub 360 Degree View

Why Newgen?

Improved operational efficiency

Enhanced business agility

Straight-through processing

Cost optimization

Increased process visibility

Superior customer experience

INPUT CHANNELS INTEGRATION

OUTPUT CHANNELS

CONFIGURATION

Internet BankingCBS

Treasury

Host-to-host

AML

Mobile Banking

SWIFT

Third Party

Clearing House

Other Systems

Phone Banking

ATM/POS

Cards

Introduce Verify Enrich Sort Finalize Execute

Bank User

SWIFT

Clearing House

Newgen PayhubSWIFT Clearing House Core Banking

PAYMENT SCHEMA

PROCESS LAYER

PRODUCTS

CTS

ClearingCheques

Funds Transfer

RTGS (HV)

RTC (LV) EFT/ACH WalletCross Border

WU/MGSEPA

SCD/SDDCross Border

SWIFT

CBS Transaction

Domestic Payments SEPA

SWIFT MT/MX

User Interface Workflows MDM BRMS BAM

Originate

Consume Message/ File

Decrypt

Bulk/ Debulk

Validate

Duplicate

Cut Off

Prioritize

Repair

Conversion -XML

OFAC/ AML

Compliance

Rules

Mandate Check

Screening

Exception Handling

Approvals

CSM Message

Fee Calculation

Accounting

Accept

Reject

Grouping by Type

Routing

Warehouse

Send Files

Payment Advice

Statements

Recon

OC

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About Newgen

Newgen is a leading provider of low code digital automation platform. Globally,

successful financial institutions, insurance, government, and shared services

organizations rely on Newgen's industry-recognized products and

applications—to manage their processes (BPM), content (ECM), and

communications (CCM)—for connected operations. From customer onboarding

to service requests, from loans and deposits to underwriting, and many more,

Newgen's industry applications transform business-critical operations with

agility. Newgen's cloud-based platform enables digital transformation initiatives

for superior customer experience, optimized costs, and improved efficiencies.

FOR SALES QUERY AMERICAS: +1 (202) 800 7783

AUSTRALIA: +61 290 537 174

CANADA: +1-202-800-7783

INDIA: +91 11 40773769

+65 3157 6189APAC:

+973-1-619-8002, +971 44541365MEA:

+44 (0) 2036 514805EUROPE:

WRITE TO USinfo@newgensoft.com

www.newgensoft.com