The answer to complex
payment operations
Intelligent orchestration for
end-to-end payments
HarmoniaPay processes, distributes, and monitors real-time payments, focusing on security, cost, and performance, offering flexible integration and a customizable rules engine.
Payment input
Upload payment files or integrate via API/SFTP.
Intelligent processing
Get the best path for each transaction based on the defined rules.
Optimized execution
Low cost, quick, and guaranteed payment redundancy.
Real-time monitoring
Monitor everything with automatic alerts, reports, and audit trails.
Payment Orchestration
Features that simplify the complex
Simple and efficient integration
- Connect to multiple banks, processors, and LMS systems
- Real-time API and SFTP support and batch processing
- Secure authentication and credential management
Transaction automation and control
- Instant Payments (FedNow, TCH) and payment processing via ACH, Wire
- Automated return file handling
- Duplicate transaction detection and prevention of processing errors
Custom business rules and compliance
- Load balancing optimization, distribution, and cost
- Automatic validation of account and routing numbers
- Enforcement of transaction limits, date restrictions, and cancellation rules
- Compliance with financial regulations and internal policies
Monitoring and reporting
- Detailed transaction tracking with audit trails
- Exportable reports for compliance and analysis
- Real-time alerts for errors, fraud, and rule violations
Dynamic and scalable configuration
- Intelligent routing based on cost, speed, or processor availability
- Multi-entity management with custom configurations per company
- User-defined operational flows and limits
Security and governance
- Role-based access control (RBAC)
- Support for Single Sign-On (SSO) and Multi-Factor Authentication (MFA)
- Full action logging for audits and internal controls
Less complexity, more control
- Works with any processor, without changing the ones you already use
- Automatic routing to the cheapest and most efficient channel
- Intelligent failover to avoid failures
- Optimizes volume per processor and reduces costs
- Reports with complete visibility into payments
- Easy and fast integration via API
Designed for operations that cannot stop
Our Payment Orchestration Platform is designed for no downtime. Automating and optimizing payment flows across multiple providers to ensure performance, stability, and control, even under pressure.
It’s the perfect solution for:
Lenders &
Financial Institutions
Automate loan disbursements, borrower repayments, and vendor payments while ensuring cost-efficient processing.
Banks &
Credit Unions
Simplify vendor payments, reduce manual operations, and optimize transaction routing.
Fintechs & Payment
Service Providers
Offer seamless payment experiences while managing multiple processors efficiently.
Marketplaces
& Platforms
Distribute payments to multiple vendors, ensuring compliance, automation, and cost savings.
Businesses handling
high-volume payments
Whether paying suppliers, employees, or customers, our platform ensures speed, reliability, and cost efficiency.
Discover the full platform
Discover how the complete offering can help you scale operations with more control and automation.
Improve your payment operations
payment workflow.