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SAP Payment Engine 

Streamline end-to-end payment processing on a central platform

Key Benefits

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Image of a circular path, representing the flow of payment processing with SAP Payment Engine

Boost operational efficiency

Keep payment orders flowing and validate them according to various master data – such as service-level agreements – without interfering with the entire process.

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Streamline payment processes

Manage and execute payment processes by gathering various types of requests, controlling payment initiation, and receiving transactions from incoming channels. 

Image of a gavel representing compliance with the latest rules, regulations, and standards

Accelerate the adoption of legal requirements

Strengthen compliance with the latest rules, regulations, and standards – such as SEPA, ISO 20022, and SWIFT – on a single payment platform.

Image of a financial institution using banking apps for payment processing

Tighten integration with banking industry software

Enable high-volume payment processing on a platform that complies with SEPA, ISO 20022, and SWIFT and supports urgent and real-time orders from any channel.

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Advance scalability and performance

Build up operational efficiency with higher straight-through processing rates and a single point of configuration for payments, products, and processing rules.

Key Capabilities

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Central hub for all payment processing

  • Handle payments in real time, including credit card transactions
  • Support domestic mass payments 
  • Enable complex international payments

Standard interfaces for all payment channels

  • Benefit from pre-integrated internal and external channels
  • Apply the capabilities of a channel-agnostic solution
  • Integrate with APIs

Flexible rules for all payment-related activities

  • Process payments governed by business rules to quickly react to changing market and customer needs     
  • Set up general and customer-specific rules with ease
  • Apply rules based on approval workflows in the operative system

Shared services that extend capabilities

  • Provide payment services to banks that want to outsource their payment processes
  • Support insourcing and white-labeling services
  • Separate multiple organizations clearly on the same platform 

Access to transactional data and status reporting

  • Check the current status of all payments on the fly
  • Enable executive management to perform analytics directly on the transaction system
  • Inform customers instantly about their payment status

Compliance support for changing standards

  • React quickly to changing regulations with flexibility
  • Take advantage of extensive configuration capabilities
  • Support extensive payment formats
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