Payments and Clearing Technology Stack: Modernise Your Payments, Maximise Your Potential
We offer a fully integrated ecosystem for managing diverse payment types and transaction channels; from EFTs and real-time payments to cross-border and corporate flows. This technology stack empowers financial institutions to unify payments infrastructure, automate clearing and settlement and deliver a seamless, omnichannel customer experience.
With near real-time monitoring, ISO 20022 compliance, and flexible deployment options across cloud and on-prem environments, we ensure speed, resilience, and regulatory readiness at scale.
Endorsed by Forward-Thinking Organisations
We have been named as a representative vendor by Gartner in the “Market Guide for Banking Payment Hub Platforms”
Payments
Hub
A centralised, API-centric ecosystem designed to manage diverse payment rails and transaction types in a single environment for unified control, seamless compliance, and lightning-fast processing.
Corporate-to-Bank
(C2B)
Give corporates or large businesses full control of their banking operations through seamless onboarding, automated approvals and real-time corporate payments, ensuring agility, security, and full-scale automation.
ACH
Manager
Route payments intelligently, manage various payment switches, including ACH and instant payment schemes, and maintain uptime with flexible payment capabilities built for scale and resilience.
Digital
Branch
Reimagine the in-branch experience with digitised branch processes, paperless transactions and smarter customer service tools deployable on top of any core banking system.
Take Your First Step Towards Smarter Business
Frequently Asked Questions
What is payment processing and clearing?
Payment processing manages the movement of payment instructions from initiation through validation, routing, and processing, while clearing determines the obligations between participating financial institutions before settlement takes place. Together, these processes enable money to move securely and efficiently between individuals, businesses, banks, and other financial institutions.
What is the difference between clearing and settlement?
Clearing is the process of validating, exchanging, and reconciling payment instructions and calculating the obligations between participating financial institutions. Settlement is the final transfer of funds between those institutions to fulfil those obligations. Clearing determines what is owed, while settlement completes the movement of money.
Why are financial institutions modernising their payment infrastructure?
Financial institutions are modernising payment infrastructure to support real-time payments, ISO 20022, greater interoperability, new payment schemes, increasing transaction volumes, evolving regulations, and changing customer expectations. Modernisation can also reduce reliance on fragmented legacy systems, improve resilience, and enable institutions to introduce new payment services more quickly.
What is payment orchestration?
Payment orchestration is the process of centrally managing and routing payments across multiple payment systems, schemes, channels, and service providers. It enables financial institutions to apply consistent business rules, automate workflows, manage exceptions, and connect different payment rails through a unified payment infrastructure.
What is ISO 20022, and why is it important for payments?
ISO 20022 is an international financial messaging standard that provides a common structure for exchanging rich, structured payment data. It improves interoperability between financial institutions and payment systems, supports greater automation and straight-through processing, and enables richer information to accompany payment transactions.
What is Sybrin Payments and Clearing?
Sybrin Payments and Clearing is a suite of payment technologies that enables financial institutions, clearing houses, and payment operators to process, orchestrate, clear, and manage multiple types of payments. It supports the modernisation of payment infrastructure while integrating with existing banking systems, clearing networks, and payment schemes.
How is Sybrin’s Payments technology different?
Sybrin’s Payments and Clearing technology combines payment orchestration, processing, clearing, mandate management, corporate banking, and branch capabilities within a configurable ecosystem. It supports multiple payment rails, schemes, standards, and integration methods, enabling financial institutions to modernise progressively rather than replace their entire payment infrastructure. Sybrin’s extensive experience delivering payment and clearing technology across African markets also provides practical expertise in complex, regulated, and evolving payment environments.