Intellect Design

Payments

eMACH.ai

Payments

Process a Million Payments per hour.
Or just One. Perfectly.

Our Enterprise-grade payments infrastructure built for 24/7 instant settlement and zero compromise.


Explore

>$1T

Daily Volume

119

Customers

43

Countries

24/7

Instant settlement

Trends

What’s Driving Payments Evolution

The payments world is transforming fast. Here’s what banks can’t ignore.

Real-Time Payments Explosion

73% of businesses now use instant payments (RTP/FedNow). ISO 20022 migration in March 2025. Europe mandating SEPA Instant. 24/7/365 is the new normal.

Fraud Reaching Crisis Levels

Checks hit by 63% fraud rate. ACH at 38%. RTP fraud now affects 45% of merchants. Ransomware attacks up 126%. Average cost: $5.5-6M per incident.

Straight-Through Processing Imperative

STP is the #1 benefit cited by treasurers. Manual referral processing kills client satisfaction. Banks need 99%+ automation or lose to competitors.

AI-Powered Decision Making

AI investments hitting $200B+ in 2025. Real-time fraud detection essential. Predictive analytics reducing false positives 85%. Manual decisioning is dead.

Cross-Border & Instant Complexity

119 payment rails. 75+ domestic and international networks. Cut-offs, limits, FX, compliance – all need real-time orchestration. Legacy systems can’t cope. CHALLENGES

Modern Lenders Aspire to Deliver Excellence

Speed kills. Fraud scales. Complexity compounds.

1

High Intraday Overdraft Limits

Banks maintain massive OD limits just to avoid rejecting payments. Basel III provisioning costs skyrocket. $450M limits when $216M would work with intelligent netting.

2

Payments Stuck in Referral

5-10% of payments land in referral queues. Manual processing at $0.50 per transaction. Delays frustrate clients. SLA breaches damage relationships. Can’t scale profitably.

3

Fragmented Limits Management

Multiple payment engines. Disparate DDA platforms. No consistent view of fund availability. Can’t net balances across accounts. Each system checks limits differently.

4

Missing Cut-Offs & Breaches

Miss a clearing cut-off = reputational loss. Breach a monitored limit = regulatory issues. Run out of settlement bank liquidity = systemic risk. All preventable. Overview

All of payments. One intelligent platform. Battle-tested at >$1T daily.

All of payments. One intelligent platform. Battle-tested at >$1T daily.

The Platform gives corporate users a fast, seamless way to initiate, track, and manage all their domestic and cross-border payments from a single, intuitive platform. Built on a modern, real-time architecture, it ensures every transaction is processed quickly, compliantly, and with complete transparency — no matter the country, currency, or payment rail.

What makes the experience powerful is its intelligence. The platform automatically selects the best routing option, validates data, flags issues before they happen, and provides rich remittance information for smooth reconciliation. With real-time status updates, integrated liquidity insights, and deep analytics, users get total control over their payments — with less effort, fewer errors, and a significantly smarter way to move money globally.

 

+40%

Client Coverage

 

80%

Faster Reviews

 

95%

STP Rate

 

95%

Adoption

Capabilities

Enterprise payments infrastructure. Composable. Scalable. Proven.

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Payment Origination

Multi-channel ingestion (API, file, UI). Format validation and enrichment. Deduplication. Batch and real-time. Support for all message formats including ISO 20022, SWIFT MT, NACHA, custom formats.

 

Pre-Processing & Validation

Sanctions screening integration. AML/CFT checks. Beneficiary validation. Format conversion. Data enrichment. Compliance rule engine. Real-time validation feedback.

 

Orchestration & Routing

Intelligent rail selection based on cost, speed, compliance. Multi-hop routing for cross-border. Cut-off management. Fallback and retry logic. Smart queuing and priority management.

 

Execution & Settlement

75+ payment rails out-of-box. Real-time execution tracking. Settlement reconciliation. Exception handling. Status notifications. End-to-end payment lifecycle management.

 

Transaction Limits Management

Real-time balance aggregation across accounts. Intelligent netting of inflows/outflows. Multi-level limit checks (transaction, daily, velocity). Daylight exposure monitoring. Reduce OD limits 40-50% while maintaining 99%+ approval rates.

 

POBO / ROBO

Payments on Behalf Of and Receivables on Behalf Of. Centralized treasury operations. Multi-entity fund pooling. Regulatory compliant structures. Real-time visibility across corporate structures.

COMPETITIVE ADVANTAGES

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All Payment Types, One Platform

Domestic low & high value. Regional & cross-border. Instant payments. SWIFT. Checks. Book transfers. Everything. Learn More

Pay-9 Composable Architecture

Event-driven microservices. Deploy what you need. Scale independently. 75+ payment rails configured out-of-box. Learn More

Transaction Limits Engine

Real-time balance & limit checks across complex liquidity structures. 52% lower limits, 99%+ approval. Saved one bank $200M. Learn More

Contextual Payments Intelligence

AI-powered routing based on cost, speed, compliance. Predictive exception handling. Smart retry logic. Learn More

DIY Rail Configurator

Configure new payment rails without vendor dependency. Connect rails in weeks not years. Learn More

Capabilities

Enterprise payments infrastructure. Composable. Scalable. Proven.

 

Payment Origination

Multi-channel ingestion (API, file, UI). Format validation and enrichment. Deduplication. Batch and real-time. Support for all message formats including ISO 20022, SWIFT MT, NACHA, custom formats.

 

Pre-Processing & Validation

Sanctions screening integration. AML/CFT checks. Beneficiary validation. Format conversion. Data enrichment. Compliance rule engine. Real-time validation feedback.

 

Orchestration & Routing

Intelligent rail selection based on cost, speed, compliance. Multi-hop routing for cross-border. Cut-off management. Fallback and retry logic. Smart queuing and priority management.

 

Execution & Settlement

75+ payment rails out-of-box. Real-time execution tracking. Settlement reconciliation. Exception handling. Status notifications. End-to-end payment lifecycle management.

 

Transaction Limits Management

Real-time balance aggregation across accounts. Intelligent netting of inflows/outflows. Multi-level limit checks (transaction, daily, velocity). Daylight exposure monitoring. Reduce OD limits 40-50% while maintaining 99%+ approval rates.

 

POBO / ROBO

Payments on Behalf Of and Receivables on Behalf Of. Centralized treasury operations. Multi-entity fund pooling. Regulatory compliant structures. Real-time visibility across corporate structures.

Key Differentiators

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All Payment Types, One Platform

Domestic low & high value. Regional & cross-border. Instant payments. SWIFT. Checks. Book transfers. Everything.

Pay-9 Composable Architecture

Event-driven microservices. Deploy what you need. Scale independently. 75+ payment rails configured out-of-box.

Transaction Limits Engine

Real-time balance & limit checks across complex liquidity structures. 52% lower limits, 99%+ approval. Saved one bank $200M.

Contextual Payments Intelligence

AI-powered routing based on cost, speed, compliance. Predictive exception handling. Smart retry logic.

DIY Rail Configurator

Configure new payment rails without vendor dependency. Connect rails in weeks not years.

Intelligence for instant decisions

Instant fund availability checks

  • Real-time balance aggregation
  • Net position computation
  • Daylight exposure validation
  • Intelligent referral with auto-retry

Smart payment routing

  • Cost optimization by rail and FX
  • Speed vs. cost trade-offs
  • Compliance-aware routing
  • Predictive cut-off management

Fraud detection & prevention

  • Behavioral pattern recognition
  • 85% reduction in false positives
  • Real-time anomaly scoring
  • Network analysis

Workflow optimization

  • Process mining identifies bottlenecks
  • Auto-configuration recommendations
  • STP rate improvements
  • Resource allocation

Customer Success Stories

Delivering Tangible Impact Across Global Banks​

Bank A

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Bank B

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Bank C

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Awards and Recognition

Recognized Excellence


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Insights

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Insights contextual to only this solution/product from the Insights repository


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FAQs

Learn how our payments platform works and how to implement it at your institution

What payment types and rails are supported?

eMACH.ai Payments supports 75+ payment rails out-of-the-box including domestic low and high value payments, instant payments (RTP, FedNow, SEPA Instant), SWIFT, checks, ACH/NACHA, regional networks, and book transfers. Our DIY Rail Configurator allows you to add new rails in weeks without vendor dependency.

How does Transaction Limits Management actually work?

Our Transaction Limits Engine performs real-time balance aggregation across all accounts, computes net positions considering pending inflows and outflows, validates against multi-level limits (transaction, daily, velocity), and monitors daylight exposure. This intelligent netting typically reduces required overdraft limits by 40-52% while maintaining 99%+ approval rates. One major US bank reduced limits from $450M to $216M, saving an estimated $200M in Basel III provisioning costs.

What about fraud detection and compliance?

The platform includes AI-powered fraud detection with behavioral pattern recognition, real-time anomaly scoring, and network analysis. We’ve demonstrated 85% reduction in false positives. Built-in sanctions screening, AML/CFT checks, compliance rule engine, and audit trails ensure regulatory compliance. All fraud and compliance capabilities operate in real-time without impacting processing speed.

eMACH.ai Payments supports 75+ payment rails out-of-the-box including domestic low and high value payments, instant payments (RTP, FedNow, SEPA Instant), SWIFT, checks, ACH/NACHA, regional networks, and book transfers. Our DIY Rail Configurator allows you to add new rails in weeks without vendor dependency.

Our Transaction Limits Engine performs real-time balance aggregation across all accounts, computes net positions considering pending inflows and outflows, validates against multi-level limits (transaction, daily, velocity), and monitors daylight exposure. This intelligent netting typically reduces required overdraft limits by 40-52% while maintaining 99%+ approval rates. One major US bank reduced limits from $450M to $216M, saving an estimated $200M in Basel III provisioning costs.

The platform includes AI-powered fraud detection with behavioral pattern recognition, real-time anomaly scoring, and network analysis. We’ve demonstrated 85% reduction in false positives. Built-in sanctions screening, AML/CFT checks, compliance rule engine, and audit trails ensure regulatory compliance. All fraud and compliance capabilities operate in real-time without impacting processing speed.

How quickly can we deploy this?

Implementation timelines vary based on scope. Typical deployments range from 3-6 months for core functionality. Our composable Pay-9 architecture allows phased deployment – you can start with specific capabilities and expand over time. Many banks begin with Transaction Limits Management or specific payment rails and gradually expand. Our single API and pre-configured rails significantly reduce integration time compared to legacy platforms.

Will it integrate with our existing infrastructure?

Yes. eMACH.ai Payments is designed to integrate with existing core banking systems, payment engines, and middleware. We support standard integration patterns via APIs, message queues, and file-based interfaces. The platform can operate alongside existing systems during transition, allowing gradual migration. We’ve successfully integrated with 60+ different core banking platforms across 43 countries.

Implementation timelines vary based on scope. Typical deployments range from 3-6 months for core functionality. Our composable Pay-9 architecture allows phased deployment – you can start with specific capabilities and expand over time. Many banks begin with Transaction Limits Management or specific payment rails and gradually expand. Our single API and pre-configured rails significantly reduce integration time compared to legacy platforms.

Yes. eMACH.ai Payments is designed to integrate with existing core banking systems, payment engines, and middleware. We support standard integration patterns via APIs, message queues, and file-based interfaces. The platform can operate alongside existing systems during transition, allowing gradual migration. We’ve successfully integrated with 60+ different core banking platforms across 43 countries.