success story
OmniPayments Powers Synchrony Bank’s Payment Modernization Journey
OmniPayments as a leading provider of mission-critical payment solutions, is proud to share the successful implementation of a modern payment switch and fraud management platform at Synchrony Bank, one of the largest providers of private-label credit cards in the United States. This collaboration marks a significant milestone in Synchrony’s ongoing strategy to modernize its payments infrastructure and accelerate digital transformation.
A Vision for Modernization
Synchrony Bank serves millions of consumers and partners with some of the world’s most recognized brands, including Amazon, Lowe’s, Gap, BP, and JCPenney and Walmart. With four innovation stations in the U.S. and India, located in Stamford, Chicago, Kettering, and Hyderabad, Synchrony operates with an agile, cross-functional approach to testing new technologies, solving customer challenges, and improving speed to market.
As consumer expectations evolved and transaction volumes surged, Synchrony sought to enhance its legacy systems by integrating modern, API-driven capabilities. The challenge was to introduce JSON-based APIs, web interfaces, and fraud prevention features, while maintaining full compatibility with existing COBOL and C applications and ensuring zero disruption to ongoing operations.
OmniPayments: Delivering the Modern Payments Foundation
After a comprehensive review of Synchrony’s architecture, OmniPayments’ consulting and engineering teams designed and deployed a cost-effective, cloud-ready switch solution built on open standards, web services, and microservices architecture.
The OmniPayments Payment Modernization Interface, launched in late 2018 and delivered within just three months, transformed Synchrony’s payment processing infrastructure from a fat-client platform to a browser-based solution. This modernization unlocked new levels of scalability, agility, and operational efficiency across the enterprise.
OmniPayments implemented an Open API Framework with an integrated API Gateway that seamlessly processes JSON, XML, and ISO 8583 message formats. This design provided Synchrony the flexibility to handle diverse client integrations while supporting future transitions to modern API-driven environments.
Enhanced Resilience, Scalability, and Fraud Protection
Built on an active-active architecture with automatic failover and load balancing, the new OmniPayments switch ensures uninterrupted operations and near-zero downtime, critical for a financial institution of Synchrony’s scale.
Additionally, OmniPayments implemented its Fraud Blocker Engine, delivering real-time, rule-based transaction validation that works standalone or in conjunction with Synchrony’s existing fraud detection systems. The engine supports configurable card, terminal, and bank-level rules, and integrates seamlessly with Visa Fraud Solutions for enhanced protection.
To further extend analytics and visibility, the implementation included Kafka integration for real-time data streaming, enabling big-data insights and predictive fraud analysis. OmniPayments also introduced its 4-point transaction logging system to capture granular visibility into every step of the payment journey, empowering Synchrony with deep operational intelligence and actionable data.
Results That Drive Digital Excellence
Through this collaboration, Synchrony Bank achieved a complete modernization of its payment’s infrastructure, replacing its legacy switch with the OmniPayments platform and enabling the seamless adoption of modern APIs without disrupting existing applications.
Key outcomes include:
- Modernized User Interface: Browser-based UI replacing legacy client systems.
- API & Integration Flexibility: Support for JSON, XML, ISO, and web service integrations.
- Enhanced Fraud Control: Real-time fraud blocking and configurable risk rules.
- Improved Agility: Rapid deployment cycles and accelerated speed to market.
- Data-Driven Insights: Kafka integration and real-time transaction analytics.
- Operational Resilience: Active-active architecture ensuring continuous uptime.
A Partnership for the Future
The successful implementation underscores Synchrony’s commitment to innovation and OmniPayments’ leadership in delivering robust, scalable, and future-ready payment solutions. Together with Hewlett Packard Enterprise Nonstop, OmniPayments continues to empower financial institutions around the world with next-generation technology designed for mission-critical payments.
“This project demonstrates the power of collaboration and innovation,” said Yash Kapadia – CEO at OmniPayments. “Synchrony Bank’s forward-thinking approach, combined with our technology expertise, has resulted in a platform that not only meets today’s demands but also sets the foundation for tomorrow’s payment innovation.”
