Payments & Cards | Sopra Banking Software

Accelerating Your Payment Powerhouse: Unleash High Performance in Payments!

The Connectivity, Scalability and Security you need for your business in a dynamic and competitive payments market to provide your customers with ultimate fluid experience!

Supporting 11 billion transactions and with 250+ banking clients across 50 countries, you can trust our expertise to drive your success into the new and ever-evolving world of payments – now and beyond.

Payments

Revolutionize your payment processing software with our next-generation Payment Factory

Say goodbye to juggling multiple partners and hello to seamless payments Our modular platform covers all your needs, making us the only partner you’ll ever need. Services covered:

  • Request-to-Pay | Allow your customers to seamlessly send and receive payment requests.
  • Payment Order | Acquire and enrich payment orders by selecting the best payment scheme.
  • Payment execution | A2A payments (SCT, SCT Inst), International Payments, SDD, Standing Order, Forex operations.
  • Clearing and settlement | Connect with all major clearing and settlement mechanisms (CSMs) and manage interactions with counterparties.
  • Payment reporting | Prepare information related to payment execution to report to stakeholders.
  • Fraud and Risk Prevention | Leverage artificial intelligence (AI) to counter payment fraud, money laundering, and the financing of terrorism (AML/CFT).
Book a demo

Instant Payments

Arm your customers with the power to pay in an instant

Enable secure payment initiation and give your customers the ability to make funds available anytime, anywhere with the SBS cloud-native instant payments solution.

Process at lightning speed – 1000 transactions per second – with parallel processing, achieve average response times of 650 milliseconds (ms), and reduce total cost of ownership (TCO) by up to 33% by mutualizing the instant payment solution.

  • Scalable and robust Architecture | Grow your transaction volumes with ease, thanks to cloud-native payment processing architecture.
  • Connectivity | Compatible with all major CSMs in Europe: STET, equensWorldline, Deutsche Bundesbank, EBA Clearing, and TIPS.
  • Fight all types of payment fraud | Leverage AI and machine learning (ML) to tackle fraud in real time, reducing false positives by up to 85%.
  • Fast implementation | Quickly go to market and comply with regulations.
  • We process 1,000,000 Instant Payments transactions per day.
book a demo

Request-to-Pay

Build a better “digital relationship” with your customers

Request-to-Pay fills a gaping hole in the financial services industry. With our cutting-edge data-oriented RtP messaging service, you can provide clarity, flexibility, and improve cash flows. Stay ahead of the game with our solution!

  • Future proof | Cloud-native, microservices-based architecture that enables IT investment optimization.
  • Pre-assembled components | Integrate quickly to roll out innovative use cases and reduce time to market.
  • Scalable | Deploy with confidence and add new use cases as and when required to achieve a secure RtP rollout at scale.
Book a demo

Cards

Unlock your winning hand with our cards solution

Cover your entire value chain from acquirer and interbank to issuer with our state-of-the-art, modern cloud-based card processing software.

Centralize and reconcile transactions, whether they originate from card networks or Request-to-Pay, and create integrated and seamless digital payment experiences for your customers with our digital card solution.

  • ATM and point of sale (POS) device management
  • Fraud management
  • Payment order, acquisition, and clearing and settlement
  • Lifecycle management
  • Metadata management
  • Full application programming interface (API) architecture
Book a demo

Say goodbye to juggling multiple partners and hello to seamless payments

  • One-stop shop

    A comprehensive and modular range of payment processing software to fit your needs across the entire payments and cards value chain – SCT, SCT Inst, SDD, NSCT, and more.

  • Innovative services

    Benefit from real-time and open banking capabilities to create a superior, faster, and more seamless customer experience in digital payments.

  • Solutions you can bank on

    Count on our long-standing sector-proven payments solutions to handle your transactions, ensuring high availability, scalability, and security.

  • Shorter time to market

    Respond to your customers’ ever-evolving expectations with greater agility and improve your speed to market for new products and services.

  • Lower your costs

    Experience overall savings of 35% and unit transaction savings of 55% –the reductions our customer Transactis saved over 5 years following the setup of their payments factory.

  • Approach that suits you best

    Roll out only the components you need, and choose the deployment that fits best – on-premise, managed services, or Software-as-a-Service (SaaS).

The future of payments is here!

Revolutionise your payments and cut costs with ease!
Our core-agnostic, modular, data-oriented, and cloud-based solutions are here to tackle rising costs and outdated legacy systems, while exceeding your customers’ expectations.

We have all the answers you need

Frequently asked questions

+ What kind of payment instruments can we manage with payment and card solutions?

All types of payment instruments can be managed with our payment and card solutions, including prepaid cards, debit cards, credit cards, SCT, SCT Inst, SDD core, SDD B2B, international transfers, and high-value transfers. In addition, we’ve also implemented local payment methods.

+ For which schemes does Sopra Banking Software (SBS) provide a native connection?

Our solutions are compatible with the most significant CSM and ACH schemes. This includes Visa, Mastercard, STET, EBA Clearing, and SCL, thus simplifying connectivity. Our experience in steering end-to-end clearing projects helps banks ensure a timely roll-out and ongoing compliance.

+ Are your card solutions PA DSS compliant?

Yes. Our solutions take into account PCI DSS rules and will be compliant with the forthcoming PCI SSF security requirements.

+ What is Sopra Banking Software’s position on EPI?

As a pioneer in Instant Payments and Request to Pay, SBS leverages 30 years of experience with payments and cards to offer a new generation of solutions — ones capable of meeting EPI’s challenges for the two payment instruments relying on SCT Inst: EPI card and End-to-end SCT Inst.
For more information about Instant Payments solution from Sopra Banking Software >>
Become EPI-ready with the Sopra Steria Group