Payment rails forregulated institutions.

SEPA, SWIFT, Verification of Payee and the compliance workflows around them. One platform, one contract, one partner that owns the rulebook with you.

Talk to the team

Explore the platform

hub.finapivity.com

Payment Hub

Today at a glance

Operational

Volume 24h

€42.7M

Transactions

27,956

Avg. latency

1.4s

Active rails

24h volume

SCT InstSEPA Instant
12,480
SCTSEPA Credit Transfer
5,211
SDDSEPA Direct Debit
842
SWIFTCross-border
318
VoPVerification of Payee
9,105

VoP check passed

Beneficiary name matched

IBAN ·· NL02 ABNA 0123 4567 89

A platform your operations team will actually enjoy running.

All rails active

One integration. Every rail.

SEPA SCT, SCT Instant, SDD, SWIFT and Verification of Payee through a single contract and a single API.

SCT InstSCTSDDSWIFTVoP

Availability target

0.00%

Measured monthly. Multi-region, with active failover.

Operations

24/7

Continuous deployment, zero-downtime upgrades, always-on rails.

Compliance framework

Regulation is a feature.

PSD2AMLDCESOPGDPRISO 20022DORA

Time to live rails

Measured in weeks, not quarters.

Kickoff

Design

Certify

Live

Every rail you were going to integrate anyway.

SEPA in all three flavours, SWIFT for cross-border, and Verification of Payee pre-wired. One integration replaces five.

SEPA SCT

SEPA Credit Transfer

Euro credit transfers across the SEPA zone

Send and receive SEPA Credit Transfers through a single, standards-aligned integration. Initiation, clearing and reconciliation in one managed workflow, with built-in validation, screening and reporting aligned to the EPC rulebook.

ISO 20022 aligned
Full reachability across SEPA
Automated reconciliation

SCT Inst

SEPA Instant

Ten-second settlement, around the clock

Instant credit transfers that settle in under ten seconds, 365 days a year. Designed for the always-on expectations of modern customers and aligned to the EU Instant Payments Regulation.

Sub-10 second end-to-end
Continuous availability
VoP integrated

SEPA SDD

SEPA Direct Debit

Recurring collections with full mandate management

SEPA Core and B2B direct debits delivered with full mandate lifecycle management, R-transaction handling and scheme-aligned timing controls. A complete direct debit operation in one place.

Core and B2B schemes
Mandate lifecycle
R-transaction handling

SWIFT

Cross-border messaging, ISO 20022 ready

Connect to the SWIFT network through a managed integration that speaks MT and ISO 20022 MX. Ready for CBPR+ and the ongoing migration, with sanctions screening and gpi tracking built in.

MT and ISO 20022 MX
gpi tracking
Sanctions screening

VoP

Verification of Payee

Name-matching that stops mis-directed payments

Verify the beneficiary name against IBAN before a payment leaves your platform. Aligned with the EU Verification of Payee mandate and connected to the schemes and registries your jurisdiction requires.

EU mandate aligned
Real-time match scoring
Integrated with SCT and Instant

The journey of a payment

Four stages. One platform.

01 / 04

Initiated

A customer submits a payment through your product. Amount, beneficiary IBAN and reference enter the Finapivity API.

Initiated

Verified

Screened

Settled

Live transaction

€ 12,400 · Initiated

trace: fnv_0xabc

Stage detail

Amount€ 12,400.00

BeneficiaryACME Holdings

More than rails. The stack around them.

Compliance, reporting, card issuing and custom integrations. Delivered on the same platform, with the same service commitments.

Integrated AML screening

Transaction Monitoring

A configurable integration layer between your rails and leading transaction-monitoring and anti-money-laundering platforms. Rules, case management and a single audit trail across every payment you process.

Learn more→

Automated cross-border payments reporting

CESOP Reporting

Collect, validate and submit CESOP (Central Electronic System of Payment information) reports to your competent authority on schedule. Schema-aligned submissions, with the control evidence auditors expect.

Learn more→

Bring your own processor

Card Issuing Integrations

A connectivity layer to card-issuing processors, so you can launch branded debit or prepaid programmes without rebuilding the rest of your payment stack. Scheme-aligned, reconciled against the rails you already run.

Learn more→

Greek interbank information services

TIRESIAS

Managed connectivity to TIRESIAS, the Greek interbank information services system, for credit-risk and fraud-prevention lookups. Built for institutions serving the Greek market or managing cross-border exposure into it.

Learn more→

Delivered on the same platform

Custom Integrations

Bespoke integrations with banks, card processors, core-banking systems and third-party platforms. Delivered on the same resilient foundation that runs our rails, with the same operational standards and support.

Learn more→

The platform at a glance

Exposed APIs

Payment methods supported

Open Banking integrations

Modular platform services

Built for regulated institutions

PSD2 aligned

ISO 20022 aligned

SEPA Instant ready

CBPR+ prepared

AML workflows integrated

VoP mandate ready

99.99% availability target

24/7 operations

Ready to ship payments?

Tell us what you are launching. We will show you the shortest path from kickoff to live rails.

Talk to the team

See services

Payment rails forregulatedmodernambitiousEuropeanregulated institutions.

Today at a glance

A platform your operations team will actually enjoy running.

One integration. Every rail.

Regulation is a feature.

Measured in weeks, not quarters.

Every rail you were going to integrate anyway.

SEPA Credit Transfer

SEPA Instant

SEPA Direct Debit

SWIFT

Verification of Payee

Four stages. One platform.

Initiated

More than rails. The stack around them.

Transaction Monitoring

CESOP Reporting

Card Issuing Integrations

TIRESIAS

Custom Integrations

Ready to ship payments?

Payment rails forregulated institutions.