Payments and Clearing
Payments Hub:
Orchestrate Your Payments in a Centralised Environment
In today’s fast-evolving financial landscape, managing fragmented payment systems drains resources, creates complexity, and hinders innovation. More than just a payment processor, you need a powerful, unified platform that offers total control, agility, and peace-of-mind security across every transaction.
Sybrin’s Payments Hub is that innovative leap that brings it all together; a powerful, centralised, API-enabled ecosystem designed to consolidate, orchestrate, and future-proof payment operations, empowering you to navigate the complexities of global financial services with confidence and precision. Built for both banks and the businesses or consumers they serve, our solution empowers financial institutions to deliver faster, more reliable services to clients while streamlining operations internally.
Payment Hub Modules
EFT
Manage and streamline electronic funds transfers with Sybrin’s EFT Payments.
Cheque
Streamline cheque clearing and settlement with automated processes and digital imaging.
SignPay
Digitise mandates for financial institutions with a centralised, high-tech platform and user-friendly interface.
Cross-Border Payments
Accelerating cross-border payments, enabling instant clearing and deferred settlement.
Standards of Success:
Why Leading Banks Choose Us
Payments Hub is a culmination of profound market understanding and over 30 years of trusted payments experience across Africa. Built from modern architectural principles, we deliver products that ensures you lead the charge in the evolving payments landscape.
African Payments Expertise:
With a large client base across the African continent, we have a profound understanding of diverse market factors, from economic to technological and regulatory. We bring 30+ years of expertise in this space, having pioneered solutions like Africa’s first cheque truncation system and providing payment modernisation across numerous countries. Our products are rigorously tested even on sub-optimal infrastructure, ensuring robust performance in any environment.
Future-Ready Compliance:
Designed with modern architecture principles, Payments Hub supports on-premise, public, private, or hybrid cloud deployment, offering true cloud-agnostic flexibility. Utilising microservices through our tech stack, it allows for horizontal scaling, superior performance, unparalleled scalability, and inherent resiliency to meet exponential growth.
Agnostic Microservices Architecture:
With a large client base across the African continent, we have a profound understanding of diverse market factors – from economic to technological and regulatory. We bring 30+ years of expertise in this space, having pioneered solutions like Africa’s first cheque truncation system and providing payment modernisation across numerous countries. Our products are rigorously tested even on sub-optimal infrastructure, ensuring robust performance in any environment.
Security from the Core:
Keeping your data and users safe is at the heart of how our solution is built. We follow strict banking security practices to protect information, including safety checks, secure storage, and safe transfer of data. We also ensure that only the right people have access, using strong methods to confirm their identity. In addition, we align with international standards like ISO 27001 and other key compliance requirements to ensure trust is never compromised.
A Tailored modern Payments Factory:
This service-focused, highly configurable, and componentised platform unifies all payment types (EFT, cheque, real-time payment schemes, RTGS, SWIFT, real-time cross-border) into a single ecosystem. Its intuitive interface allows you to easily define and change workflows and business rules, empowering you to innovate and bring new payment products onboard quickly.
Flexible Commercial Model:
We own the product IP, enabling us to offer flexible commercial options tailored to your specific licensing and deployment requirements; whether on-premise, transaction-based, or a hybrid model, ensuring a low cost of ownership.
Our Payments Experience
Across Africa Speaks for Itself:
1st Cheque truncation solution in Africa and 3rd in the world was implemented by us in Malawi.
Payment centralisation solution across 9 countries for digital payment processing.
10 out of 33 Tanzanian banks are clearing using Sybrin's Payments Hub for processing mass payments
6 out of 17 Zambian banks are clearing using Sybrin's Payments Hub for processing mass payments.
Strategic partnership with Tier 1 Bank in South Africa
3 Clearing house solutions deployed in Africa: BankServAfrica, Payments Association of Lesotho, Zambia Electronic CLearing House Limited (ZECGL), and Kenya Kankers Association (KBA).
3 Clearing house solutions deployed in Africa: BankServAfrica, Payments Association of Lesotho, Zambia Electronic CLearing House Limited (ZECGL), and Kenya Kankers Association (KBA).
Payment Association of Lesotho ISO 20022 upgrade.
NMB provides our direct debit management for it's customers.
22 out of the 41 banks in Kenya use our Payments and Settlement solutions.
TISS for CRDB bank's elite corporates powered by Sybrin
7 out of 11 banks in Rwanda are clearing with our Payments Hub.
Domestic payments switch and settlement provided for Kenya's KBA, Zambia Electronic Clearing House (ZECHL).
Features that Secure,
Benefits that Reassure
A powerful payments solution should do more than process transactions; it should elevate your entire operation. Payments Hub delivers multifunctionality within a single, centralised environment, providing financial institutions with the agility, visibility, and control needed to thrive in the modern payments landscape.
Centralised Control with Rapid Innovation:
Unify your payment rails into one ecosystem.
Launch new services fast with configurable workflows.
Built-In Compliance and Always On:
ISO 20022-ready with AML/KYC screening.
Resilient, scalable architecture with auto-failover.
Proven in Africa
30+ years of success, 70+ banks supported.
Lead the Payments Revolution: Take Full Command of Your Payment Operations
FAQs
What is a payments hub?
A payments hub is a centralised platform that manages, orchestrates, and processes multiple payment types through a single system.
Sybrin Payments Hub builds on this as a web-based solution that centrally consolidates, monitors and manages payments across multiple rails including EFT, Collections, RTGS, Cheque, SWIFT and other payment types. It integrates with customer channels, clearing channels, core systems, AML platforms and line-of-business systems.
What should banks look for in a payments hub?
When selecting a payments hub, banks should consider scalability, ISO 20022 support, real-time payment capabilities, interoperability, security, resilience, API integration, workflow automation, and support for multiple payment schemes. These capabilities help future-proof payment operations.
What is payment modernisation?
Payment modernisation is the process of replacing legacy payment systems with modern, flexible platforms that support digital payments, real-time processing, interoperability, and evolving regulatory requirements. It enables financial institutions to improve efficiency, reduce operational risk, and deliver faster, more innovative payment services.
Why are banks modernising their payments now?
Banks are under pressure from regulators, fintech competitors, customer expectations, instant payment schemes, cross-border interoperability initiatives, ISO 20022 adoption and the need for greater operational resilience. Modernisation helps banks respond faster while reducing operational fragmentation.
What makes Sybrin Payments Hub different?
Sybrin combines payment orchestration, payment interface translation, configurable workflows, exception handling, reconciliation, reporting, integration, compliance support and reusable payment templates on a configurable low-code platform. It enables financial institutions to consolidate payment processing while supporting multiple payment schemes, modern payment standards, and future growth.
Which payment rails can Sybrin support?
Sybrin Payments Hub supports multiple rails and transaction types including EFT, Cheque, RTGS, SWIFT and other payment types. It also supports integration patterns for ACH, RTGS, SWIFT, ISO 20022, ISO 8583, domestic proprietary standards and alternative payment platforms depending on country and scheme scope.
Can Sybrin transform legacy payment formats?
Yes. Sybrin includes transformation and enrichment capability so legacy systems can submit transactions in existing formats while the Payments Hub transforms them into the required standard for the relevant destination rail or scheme.
Does Sybrin support mass payments?
Yes. Sybrin supports mass payment processing, including bulk file upload and API-based integration for straight-through processing from corporate ERP systems or bank channels, depending on scope.
Does Sybrin support high-value payments?
Yes. Sybrin can support high-value and high-care payments with controlled processing, routing, confirmation, exception handling, audit trails, and monitoring capabilities.
Can Sybrin support instant payments?
Yes. Sybrin’s architecture supports real-time and instant payment processing where the customer is actively waiting for confirmation. Specific scheme readiness depends on the target scheme, SLA, message standard, connectivity and certification requirements.
Does Sybrin support ISO 20022?
Yes. Sybrin supports ISO 20022 and payment interface translation. The platform can consume payment instructions, enrich or transform and exports into required standards such as ISO 20022 where the scheme or integration requires it.
Can Sybrin Payments Hub integrate with our existing systems?
Yes. Sybrin supports integration with core banking systems, ACH/ECH gateways, RTGS systems, SWIFT networks, ERP systems, AML/FATCA/CRS platforms, treasury systems (if applicable), customer service platforms, data stores and other line-of-business applications. Integration can be API-based, file-based, queue-based or proprietary depending on the client environment.