All-in-one AI automation for frictionless payments

Digintu.pay offers solutions based on low code and artificial intelligence to make ISO 20022 adoption easy and viable.

Our Capabilities

The proliferation of real-time/instant payments, cross-border interoperability, and the growing adoption of ISO 20022 are just some trends that have sped up the pace of change. It is predicted that 85% of all payments will use the ISO 20022 and Open Banking standard within the next 5 years.

Payment message initiation

Many financial institutions, small and medium-sized businesses, have not yet upgraded their infrastructures to comply with ISO 20022 standards because of time, budget, or technical debt constraints. The majority will experience business discontinuity because their payment systems, ERP, or accounting software cannot connect to some banks or partners.

Our payment initiation connectors buy you more time and space for keeping your business running even after ISO 20022 rollout.

  • Create ISO 20022-compatible payment messages from your legacy payment systems, ERP, or accounting software.
  • Create payment messages automatically from XML files.
  • Create payments in eInvoicing Presentment & Payment web forms with rich data for easier reconciliation.
  • Upload your payment messages via FTP, PSD2 eBanking interfaces, or SWIFT APIs.
  • Access the connectors securely online as SaaS, via API, or on-premise.

Payment message validation

Financial institutions and businesses have been facing high costs generated by negative acknowledgment (NAKs) and rejections, causing increased operational efforts. With ISO 20022, debtors can ensure that a message is validated before initiating the payment.

Our payment validation solutions ensure that any SWIFT message that is passed through our tools will be subjected to the same checks as the SWIFT Network. If it passes on our systems, then you know it will also be accepted on the SWIFT Network.

  • Verify that a message is SWIFT-compliant by checking structure and sequence along with mandatory and optional fields.
  • Validate the BIC and IBAN using SWIFT's directory of financial institutions.
  • Check cross-border payment requests against country-specific requirements at the beneficiary bank.
  • Mitigate risk with real-time credit risk visibility by leveraging KYC and artificial intelligence.
  • Access the connectors securely online as SaaS, via API, or on-premise.

Payment message transformation

Payment infrastructures are now expecting payment instructions with richer data, such as creditor names and invoice references, e.g. for fraud prevention. Most businesses will experience a high number of rejects because more actors comply with the new ISO 20022 format.

Our payment solutions transform payment messages and unlock additional business value from rich data.

  • Convert proprietary payments files, such as (MT, DD, DTA, and EZAG formats) to PAIN.001, PAIN.008, or PACS.008.
  • Include rich data in your payment instructions and automatically reconcile received payments.
  • Receive account statements in CAMT.05X formats and translate them into a legacy format supported by your payment systems or ERPs.
  • Receive status reports in PAIN.002 or CAMT.05X formats and convert them to a readable format, such as PDF or Excel.
  • Access the solution securely online as SaaS, via API, or on-premise.

Payment tracking

Banks are facing enormous costs involved in manually tracking payment status across the value chain. There is no transparency regarding bank fees charged and the FX rates applied.

With our payment tracking solutions, banks can pass tracking information to clients, giving end-to-end visibility and resulting in savings of as much as 50 percent on client inquiry costs.

  • Get real-time status of a payment transaction from the moment it is sent to the point it reaches the beneficiary’s account.
  • Receive credit confirmation provided as soon as the beneficiary has been paid.
  • Execute stop and recall to rapidly halting errored or fraudulent payments.
  • Track real-time fees, rates, events and cases occurring with payment transactions across the SWIFT network.
  • Provide the solution to your clients securely online as SaaS, via API, or on-premise.

Payment analytics

80% of payment data used by financial institutions is unstructured, and spread across legacy technology systems, making it difficult to have a complete picture.

Our artificial intelligence and machine learning solutions leverage reach data included in ISO 20022 messages to analyze, predict, and enable instant and frictionless payments.

  • Perform natural language processing on remittance information to add meaning and automatically reconcile invoices.
  • Train custom fraud detection models on your data including, amounts, SKUs, type of credit card, etc.
  • Determine the quickest, cheapest, and most effective route that payment can take.
  • Predict cash flow and enable greater visibility and control of cash positions across bank accounts.
  • Provide the solution to your clients securely online as SaaS, via API, or on-premise.

Payment automation

Banks and businesses rely on third-party software vendors to ease their migration towards ISO 20022, seize the opportunity, and decrease the risk of information loss.

Our low code platform allows banks and businesses to build their own frontend and backend solutions without tech skills. Using a visual approach, our customers build software applications for anti-money laundering, sanction screening, accounting, billing, reconciliation, reporting systems, information retaining, or archiving from the comfort of their web browsers.

  • Create your own ISO 20022 tools for payment initiation, validation, and tracking using web forms.
  • Build AI-powered predictive applications on top of SWIFT and PSD2 APIs.
  • Create apps for converting payment messages, bank statements, and status updates from/to legacy formats.
  • Manage all your applications, users, and organizations from one place.
  • Access the solution securely online as SaaS or on-premise. 

Didn't find what you need?
We offer free ISO 20022 migration assistance.

Up to 8 free hours of consulting work.

If you decide that Digintu.pay is not exactly what you look for - you owe nothing.

Ready to extract unprecedented business value from payment transactions?

DigIntu Tech Ltd

Hermanova 61

17000 Prague

Czech Republic

EU VAT-ID CZ05233518

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