Digital Payments

Cross-Border Payment Switch

Cross-Border Payment Switch Aggregator is a middleware platform that enables seamless interoperability between national payment systems with different standards, protocols, and settlement frameworks. It acts as a universal translator, reconciling disparate messaging formats and compliance rules in real time to make cross-border transactions as seamless as domestic ones.

By supporting both bilateral and multilateral connectivity, it allows a payment scheme to integrate once and access multiple foreign systems without maintaining separate connections. The result is a scalable, cost-efficient cross-border payment fabric that powers real-time P2P remittances, P2M e-commerce payments, and other account-to-account transactions—simplifying integration, reducing costs, and accelerating the rollout of instant global payment corridors.

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Highlights

Interoperability Middleware - Icon
Interoperability Middleware

Translates and reconciles messaging and settlement standards across different national payment switches.

Single Integration, Multi-Country Reach - Icon
Single Integration, Multi-Country Reach

Connect once to the aggregator and interact with multiple schemes, avoiding costly bilateral builds.

Universal Payment Coverage - Icon
Universal Payment Coverage

Supports P2P, P2M account-to-account transactions.

Scalable & Real-Time - Icon
Scalable & Real-Time

Enables high-volume cross-border transfers with instant or near-instant settlement.

Compliance & Security Ready - Icon
Compliance & Security Ready

Built to embed regulatory checks (AML, sanctions screening, FX conversion) directly into transaction flows.