Powering the payments value chain
For financial institutions to thrive in the digital age, they need accurate traceability, contextual routing and consolidated information of payments.
With deep expertise and industry knowledge, HCLTech is uniquely positioned to support the payments and cards value chain and address the complexities of banking payment processing. We leverage real-time and customizable payment capabilities to effectively monetize, differentiate, and provide next-gen payments.
Exceed expectations with our solutions
Explore how we make operations smarter and more agile with our payments solutions that are crafted to simplify complex banking payment processes.
Payments-as-a-Service (PaaS)
One solution encompassing multiple services via a cloud platform. Think payment engine hosting, reconciliation and settlement, cross-border payments and third-party collections. It helps banks address concerns about security and fraud by following regulatory changes and decreasing payment infrastructure costs by 60% to 70%.
Merchant solutions
A solution that enables uninterrupted collaboration between aggregators, retailers and acquirers. Obtain AI-based sales information from merchants, receive authorization for transactions, collect funds, send payment to the merchants. This Cards-as-a-Service framework offers full autonomy to the provider, with scalability, PCI DSS compliance, card origination and more.
Payments observability
Ensure seamless functioning of systems that power payment flows 24x7 and respond proactively and effectively to any issues, alerts or failures. Our DRYiCE iControl solution delivers real-time payment flow observability and offers insights to leaders — from CXOs to frontline operations teams — into business-relevant controls by creating meaningful views from the perspectives of both the business and IT.
Next-gen payments integration
Progress with the modern ways of payments, as HCLTech’s payment and card capabilities enable next-gen payment transformation of institutions via mobile-originated transactions, real-time clearance, faster cross-border payments using a distributed ledger, digital/cryptocurrency payment integrations, Web 3.0 payment services and cardless transactions using open banking.
Unified order management
Experience a consistent CX across all engagement channels and quickly respond to product development needs and market requirements. We offer a clear separation of order management as a function within the payment platform across retail, corporate customers and internal business lines. Moreover, the function can be extended for third-party clients in an as-a-service model.
Real-time payments
Transform your core processing engine to stay ahead of your competition in processing a high volume of payments per second across payment schemes. Our payments core solution is available with buy or build options to cater to the unique needs of each bank and its geographical spread.
Why HCLTech for cards and payments solutions?
Our offerings are fully customizable to meet each enterprise client’s unique business requirements, enabling them to address core concern areas. The solutions aim to maximize productivity and minimize cost, while achieving zero-trust security and fraud threat protection.
Our cutting-edge technology and futuristic approach combine to ensure we supercharge your mission to make a mark in the digital age.
Reduced cost
See 60%–70% reduction in payment infrastructure costs
Enhanced security
Address concerns about security and fraud
Better collaboration
Work smoothly with multiple stakeholders
Seamless integration
Use PaaS platforms to integrate via open APIs
Insights and News
Innovative payment services for increased CX
Learn how HCLTech helped one of the Big 4 banks deliver extraordinary customer experiences with resiliency and efficiency
Transforming digital operations for a leading European bank
Explore how HCLTech helped the bank improve efficiency and service quality while enhancing the customer experience
