Core functionalities
Payment connectors support the following capabilities:Payment initiation
Initiate and submit payments with consistent, unified APIs that streamline channel integrations.
Payment status update
Retrieve detailed, up-to-date statuses for transactions and batches throughout their processing journey.
Payment management
Control and manage payment batches, lifecycle actions, and operational workflows from one place
Ancillary payment features
Extend payment capabilities with fees, bank details, holiday calendars, and FX rate retrieval services.
Use case coverage
Payment initiation
The following table summarizes payment initiation features and capabilities.| Feature | Key capabilities |
|---|---|
| Single payment | Enables the submission of an individual payment request with all required customer, account, and remittance details. It ensures the payment is validated and routed to the appropriate processor for seamless execution. |
| Batch payment | Enables the submission of grouped payment instructions through a single file or API request, supporting all prominent batch-based schemes. The batch is validated, processed collectively, and routed to the payment processor while preserving transaction-level details and controls. |
Payment status update
The following table summarizes payment status update features and capabilities.| Feature | Key capabilities |
|---|---|
| Single payment status update | Provides the current processing state of an individual payment, from initiation through completion or failure. This includes acknowledgements, validations, exceptions, and final settlement outcomes for standalone payments. |
| Batch status update | Returns the high-level status of an entire payment batch as it moves through validation, processing, and completion stages. It offers visibility into batch-level acknowledgements, acceptance, rejections, and overall processing outcomes. |
| Payment status update within a batch | Delivers transaction-level status for a specific payment inside a submitted batch, enabling granular visibility into individual outcomes. This helps identify which payments succeeded, failed, or require remediation within the larger batch. |
Payment management
The following table summarizes payment management features and capabilities.| Feature | Key capabilities |
|---|---|
| Edit payment details | Modify Payment allows updating permissible fields of a payment instruction before it is processed. This includes correcting account details, adjusting amounts, or updating remittance information while ensuring compliance with scheme-specific rules and validations |
| Pre-submission validation | Validate Payment Before Submit performs a pre-processing check on the payment payload to ensure accuracy, completeness, and format compliance. It helps detect invalid account data, routing errors, or rule violations before the payment is officially initiated. |
| Payment cancellation | Cancel Individual Payment enables the withdrawal of a specific payment instruction prior to execution. This provides operational control for reversing erroneous requests or halting payments based on updated customer or business requirements. |
| Batch cancellation | Cancel Overall Batch allows terminating an entire batch of payments before processing begins. It ensures that none of the contained transactions are executed when a file is incorrect, duplicated, or no longer required. |
Ancillary payment features
The following table summarizes ancillary payment features and capabilities.| Feature | Key capabilities |
|---|---|
| Bank holiday calendar | Provides access to scheme-specific and country-specific bank holiday schedules that impact payment processing and settlement timelines. This helps determine cut-off times, expected delays, and accurate settlement dates for both single and batch payments. |
| Retrieve payment fees | Retrieves applicable fees for a given payment or batch based on processor rules, payment type, amount, and service level. This enables upfront cost visibility for users and helps systems present accurate pricing before submission. |
| Retrieve bank details | Returns institution-level details such as routing numbers, bank names, branch information, and eligibility for specific payment schemes. It helps validate payment instructions and ensures accurate routing before processing. |
| Exchange rates | Provides real-time or near-real-time foreign exchange rates for supported currency pairs. This enables accurate calculations for cross-border payments, conversions, and fee estimations involving multiple currencies. |
🌐 Available payments connectors
Grand Central offers the following payment connectors for integration:OBPM
Focused on single payments initiation, associated payment management and ancillary features
Alacriti
Focused on single payments initiation, associated payment management and ancillary features
OBPM batch outbound
Dedicated for batch outbound solution that generates PAIN001 file for the processor
OBPM batch inbound
Consumes PAIN002 file from processor and provides status update to front end channels
Alacriti batch
API based batch solution to send batch instructions to processor.
Alacriti batch payment status update
Consumes batch and payment level status feedback from processor which gets consumed by processor
OBPM exchange rate
Dedicated to receive FX conversion rate based on currency pair as input