The Technical Integration Layer for Payments

ISO 20022 normalization, policy-based routing, and full audit lineage in one pipeline.

ISO 20022 as the Internal Standard

Every inbound format is normalized to a canonical ISO 20022 model at the point of ingestion.

How the Integration Architecture Works

A single API and file interface connects your core systems to the ModernRails orchestration layer, not to each rail directly.

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Inbound format normalization at ingestion. NACHA, JSON, legacy wire formats, and ISO 20022 messages are all converted to one canonical model.

Policy engine applies routing, fee, limit, and exception rules per transaction before any instruction leaves the platform.

FedLine Direct connectivity through Federal Reserve TPSP status, without routing through a third-party intermediary.

Real-time compliance screening applied at the moment of instruction. Covers OFAC, sanctions, and AML, not applied after settlement.

Immutable event log captures every state change, routing decision, and settlement confirmation with timestamped lineage.

RESTful API with webhook notifications, bulk file ingestion, sandbox environment, and full documentation.

Connection Architecture

ModernRails sits between your core systems and the rails. Institutions connect once through a single integration and gain access to domestic and cross-border rails without managing separate gateways, formats, or compliance stacks per rail.

API Integration

Online Payment

Provides real-time, secure, and efficient online payment processing, supporting multiple payment methods.

Mobile Payment

Designed specifically for mobile devices, offering a simple and secure mobile payment experience.

Cross-Border Payment

Meets the demands of international transactions, supporting multiple currencies and settlement methods.

File and Batch

Data Analysis Services

Offers detailed transaction data reports to help clients understand business trends and optimize decisions.

Report Generation Services

Automatically generates various payment reports to meet compliance and audit requirements.

Fraud Detection Services

Utilizes advanced technology to monitor and prevent potential fraudulent activities in real-time.

Operator Interface

User-Friendly Interface

Features a clean and intuitive design for quick completion of payment operations.

Seamless Payment Process

Provides a smooth payment experience, reducing user waiting and processing times.

What to Expect

Efficiency

ISO 20022 Transformation

Every inbound payment is parsed, validated, and mapped to a canonical ISO 20022 message structure before routing logic runs.

Policy Engine Execution

Routing, settlement timing, fee logic, limits, and exception policies are explicit, testable rules applied consistently per transaction.

Security

Multi-layered Encryption Technology

FedLine Direct access through Federal Reserve TPSP status. No third-party intermediary between ModernRails and the Fed's payment network.

Strict Security Standards

Every payment represented in a unified ISO 20022-aligned semantic structure, supporting BCBS 239-compliant risk data aggregation.

Reliability

High Availability Design

Microservices-based design means routing, validation, compliance, and reconciliation scale independently without single points of failure.

24/7 Monitoring and Maintenance

FedNow and RTP operate continuously. The platform is designed for always-on settlement, not batch-era processing windows.

Compatibility

Wide Integration

Connects to existing core banking systems, treasury platforms, and third-party compliance tools without requiring full stack replacement.

Flexible Expansion

Each new rail or corridor activated through the same integration. No additional gateway contracts, file format work, or compliance build per rail.

Discover how to maximize the value of every business payment using ModernRails.

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