Global settlement cycles are compressing at unprecedented speed. As markets move from T+2 to T+1—and increasingly toward T+0—banks and payment processors must modernize batch-based systems to support real-time clearing, liquidity visibility, and 24/7 operations.

As embedded finance reshapes how payments are delivered, API-first and microservices-based platforms have become essential. Payment processors that adopt modular, developer-friendly architectures can scale faster, integrate seamlessly, and remain competitive in a rapidly evolving financial ecosystem.

Learn how payment processors and banks design BCDR strategies to meet regulatory demands and ensure continuous transaction processing.

When issuer systems go offline, payment failures can cost merchants millions and erode customer trust. Stand-in processing ensures transaction continuity during outages by allowing networks to approve payments under controlled risk rules—making it a cornerstone of modern payment resilience.

Building a custom payment system can take seven months, cost hundreds of thousands, and delay revenue. Payment-as-a-Service lets platforms launch faster, reduce costs, and embed secure payments in weeks—not months.

Single-rail payment systems limit flexibility, increase costs, and drive revenue loss. A multi-rail architecture brings cards, ACH, wires, and real-time payments into one intelligent platform—boosting acceptance rates, lowering fees, and simplifying operations.