About us
Strategy
Regional Solutions for Global Payments: The Evolving Payment Meme
End-to-End in the Electronic Payments Value Chain
The world of payments is changing. Gone are the comfortable days of domestic solutions for niche markets; these days, coverage has to be total, and extensive. Gone are the traditional demarcations of sectors and roles; these days, many banks are evaluating their position; whether to consolidate domestically, expand internationally, generate revenue with payment in-sourcing, or get out of payment altogether.
The payments value chain links the sending party and their bank, to the receiver and their bank, via modern automated clearing services (ACHs). It is no longer sufficient to pick a niche role to play within the chain as these worlds and their roles are converging.
Clear2Pay recognises the need to traverse the entire payments value chain, end-to-end. From the sending to the receiving party, our product suite ensures payment consistency, accuracy and efficiency.
For sending and receiving clients (corporate, SME or consumer), Clear2Pay offers customised products across multiple channels enabling sophisticated order management in the most appropriate infrastructure.
Within the sender and receiving bank sphere, Clear2Pay solutions bridge the gap to the clearing networks, pre-processing orders in preparation for payment execution via intelligent routing and clearing.
Clearing services are evolving with the rise in pan-regional ACHs, and FAT-ACHs that provide extended payment services, even becoming payment service providers in their own right. Clear2Pay offers extended ACH capabilities, flexibly tuned to keep pace with the market.
End-to-end validation is ensured with the payments testing package validating end-to-end validation of payment solutions and implementations providing performance and efficiency testing, measurement and simulations.
End-to-End in the Card Payments Value Chain
Clear2Pay is a broad niche player in the card payments. From buyer to seller, via the issuing and clearing banks and the card switch, Clear2Pay offers products and solutions for each step in the value chain.
For buyer and seller clients (corporate, SME or consumer), Clear2Pay offers extensive security and verification products across multiple channels.
Within the issuing and acquiring bank sphere, Clear2Pay solutions offer card payment and dispute handling services.
For card payment switch operations, Clear2Pay card payment solutions enable sophisticated routing and validation services.
End-to-end validation is ensured with the payments testing package validating end-to-end validation of card payment solutions and implementations providing performance and efficiency testing, measurement and simulations.