Enterprise Payments Platform

Drive payments transformation in your financial institution with a centralized payments processing infrastructure

The path toward digital transformation has accelerated. For financial institutions, the advent of real-time, 24/7/365 payments processing, the move to ISO 20022 messaging standards, sharper focus on operational efficiencies and the need for an enterprise view of payments for enhanced liquidity management are key drivers of digital transformation.

These drivers are compelling financial institutions to reevaluate their payments capabilities and build a progressive payments experience that protects consumer relationships and positions them for the future. 

Enterprise Payments Platform from Fiserv offers intelligent, automated and centralized payments processing and liquidity management across all payment types and clearing schemes – real-time, low value, high value, SWIFT and correspondent payments – through a scalable, open-architecture platform.

Whether the need is to meet ISO 20022 compliance mandates or an opportunity to modernize your payment systems, our Enterprise Payments Platform provides the flexibility to set the pace of your modernization, addressing point needs or replacing multiple inflexible legacy systems with a comprehensive payments platform.

Enterprise Payments Platform enables financial institutions to expand into new markets, support instant and emerging clearings and offer value-add services such as Zelle® Disbursements, Integrated Receivables and Financial Messaging using SWIFT.

Supported Payment Types and Clearing Schemes

U.S. Clearings

  • Fedwire®
  • ACH
  • The RTP® network from The Clearing House
  • Zelle®
  • FedNowSM Service*

Canada Clearings

  • ACSS
  • Real-Time Rail (RTR)*
  • Lynx*


* when available



Enterprise Payments Platform is ISO 20022 and SWIFT gpi-compliant


Leverage the Payments Advantage

  • Enable an automated accounts receivables process and improved STP
  • Facilitate compliance with industry and regulatory changes
  • Provide a 360-degree view of payments with dashboards and advanced analytics


Fast, Flexible and Designed for Your Specific Needs

  • Deployed on-premise, in the cloud, hosted (ASP) or as a managed service
  • Installation, configuration and integration are tailored to your institution


Centralized and Comprehensive Capabilities

  • Native ISO 20022 capabilities so you can adapt to changing standards with limited disruption
  • Intelligent workflow routing and automated data enrichment and repair can significantly improve processing rates and reduce operating cost

Enterprise Payments Platform from Fiserv delivers streamlined payments processing on a single, integrated technology platform, enabling you to exceed customer expectations for U.S. payment types – Fedwire®, SWIFT, ACH and  The Clearing House Real-Time Payments (TCH RTP®)

Need-Specific Enterprise Payments Platform Solutions

U.S. Wire Payments

Enterprise Payments: Fedwire® provides a single ISO 20022-compliant platform for processing domestic and international wires across Fedwire.


FedNow is a service mark of the Federal Reserve Banks. Fedwire is a registered trademark of the Federal Reserve Banks.

U.S. Real-Time Payments

Enterprise Payments: RTP® from Fiserv delivers high performance, real-time payments processing for the RTP® network from The Clearing House.

U.S. ACH Payments

Enterprise Payments: ACH from Fiserv is a real-time solution for originating and receiving payments through the ACH Network.

Liquidity Management

Extend the capabilities of Enterprise Payments Platform with Aquarius from Fiserv to proactively monitor and manage your liquidity positions across all payment types.

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The Benefits of Payments as a Service for Your Financial Institution

Payments as a service can provide a solution tailored to the needs of each financial institution. Here's what you need to know if you're considering a move to a payments as a service model.

Read the White Paper

Insights On Modern Payment Strategies

Payments Data Insights Can Improve Liquidity Management and Forecasting

Andrew Bubbs, Director, Product Management, Fiserv speaks to Finextra TV on how financial institutions can apply artificial intelligence and machine learning to improve liquidity and create new products and services using payments data insights and tools. 

Making the Move to Real-Time Payments

Fintech innovation, shifting consumer behaviors and new industry initiatives have critical implications for payments and financial services. Explore best practices for preparing infrastructure for real-time capabilities and managing change and risk in the back office. Learn how your organization can leverage Enterprise Payments Platform and NOW Network to develop a payment strategy that supports your immediate business needs.

Learn More

Is Liquidity a Financial Institution’s Most Undervalued Asset?

Effective real-time liquidity management solutions enable decision making and actions that not only mitigate and manage risk, but also optimize positions. Our white paper examines survey results that emphasize the importance of real-time cash and liquidity management and what financial institutions stand to gain.

Read the paper


Request to Pay and the Promise of Digital End-to-End Payments

Request to Pay, together with instant payments and open banking, is revolutionizing digital payments. Our point-of-view paper takes a deeper dive into request to pay.

Read the point of view paper


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