Key Highlights

  • Multi-institution, multiproduct and multi-currency
  • Multi-channel support of traditional card and eCommerce, including web and mobile
  • High-volume processing with high degree of resiliency, high availability for extremely stable and scalable processing architecture
  • Rule based (Patent Pending) switching and routing to major payments networks, processors and hosts
  • Powerful authorization scripting engine caters to custom business logic
  • Full EMV support
  • Card not present customer electronic payment transaction support
  • Highly secure and verified against all the know threats with continuous verification
  • Ready to use endpoints connectors
  • Ease of integration with various hosts and institutions monitoring applications
  • PA-SSS compliant and certified
  • Multiple platform and containers support for deployment and infrastructure independence
Payment Processing

Extremely low TCO

Payment Processing

Flexible product management

Payment Processing

State of the art technology platform

Payment Processing

All cloud complaint and ready for processing

Payment Processing

Highly resilient, scalable and high-volume performance and processing

Payment Processing

Infrastructure independence with various options for deployment

Payment Processing

Flexibile, parametrizable and ease of configurations

Payment Processing

Future proofs

The payments landscape across the globe is witnessing dynamic growth and evolution, such as never seen before. Financial institutions, today, work with highly fragmented payment systems running multiple applications for different types of payments across different lines of business and locations. Regulatory directives and changing customer preferences have forced institutions to rethink their approach to payments and payments processing, while the need for cost-effective solutions remains of utmost importance.
Payment Processing
All this, combined with the pressure from corporates, has forced the need for payments services that are faster, more accurate, and economical. Further, there is an increasing demand for an enterprise- wide approach to payments, rather than a siloed view. The need for standardization, visibility, processing speed and accuracy, and increased compliance reporting has also placed additional demands on existing payments technologies and infrastructure.

In response, banks are contemplating efforts to streamline and consolidate all aspects of the payments value chain, from initiation to processing to gateway to messaging, a large and complex undertaking. Payment gateways are being consolidated to process all payments traffic centrally.
PayGlobal360®™ Implements out-of-the-box multi-host messaging and translations services between FIN MT and ISO 20022.

  • PayGlobal360®™ SMH is especially suited to accelerate and simplify the migration to the SWIFT MX standard (ISO 20022). Support for manual or automatic translator selection for any given source message
  • Direct integration with host for message translation.
  • Mutli-host implementation


      • PayGlobal360®™ SMH brings the state of art payments platform with simplified processing and is future proofs from various experiences of the customers.
Simplified translation microservices API.
Each translation combination is implemented in a specific component. A straightforward API takes the specific source message as input and returns the created equivalent target message.

PayGlobal360®™SMH brings a huge relief to customers when it comes to rule-based fault tolerant automated translation improving the cost-efficiency of payment processing. High level of parametrization and configurations allows greater flexibility of introducing various business rules.
Enhance Customer Experience
PayGlobal360®™SMH helps ensure consistency of service levels and information across consumer touch points. Automatic message conversions are available for any message in either MT or MX format will return a translated message in real-time.

The application takes advantage of the best-in-systems software for reliability and availability. In addition, PayGlobal360®™SMH can integrate to access the real-time data from any endpoints and execute all rules and perform payments providing the organizations capability to bring down the TTM (TIME TO MARKET).
Payment Processing
Business Coverage
PayGlobal360®™STT coverage summary
Credit Transfers and Cash Management
Code Description Message Type Transaction Type
101 Request for Transfer pain.001 CustomerCreditTransferInitiation
103 Single Customer Credit Transfer pacs.008 FIToFICustomerCreditTransfer
103.STP Single Customer Credit Transfer pacs.008 FIToFICustomerCreditTransfer
202 General Financial Institution Transfer pacs.009 FinancialInstitutionCreditTransfer
202.COV General Financial Institution Transfer pacs.009 FinancialInstitutionCreditTransfer
900 Confirmation of Debit camt.054 BankToCustomerDebitCreditNotification
910 Confirmation of Credit camt.054 BankToCustomerDebitCreditNotification
940 Customer Statement Message camt.053 BankToCustomerStatement
941 Balance Report camt.052 BankToCustomerAccountReport
942 Interim Transaction Report camt.052 BankToCustomerAccountReport
950 Statement Message camt.053 BankToCustomerStatement
Corporate Actions
Code Description Message Type Transaction Type
564 Corporate Action Notification seev.031 CorporateActionNotification
564 Corporate Action Notification seev.035 CorporateActionMovementPreliminaryAdvice
564 Corporate Action Notification seev.039 CorporateActionCancellationAdvice
564 Corporate Action Notification seev.044 CorporateActionMovementPreliminaryAdviceCancellationAdviceV02Subset
565 Corporate Action Instruction seev.033 CorporateActionInstruction
565 Corporate Action Instruction seev.040 CorporateActionInstructionCancellationRequest
566 Corporate Action Confirmation seev.036 CorporateActionMovementConfirmation
566 Corporate Action Confirmation seev.037 CorporateActionMovementReversalAdvice
567 Corporate Action Status and Processing Advice seev.032 CorporateActionEventProcessingStatusAdvice
567 Corporate Action Status and Processing Advice seev.034 CorporateActionInstructionStatusAdvice
567 Corporate Action Status and Processing Advice seev.041 CorporateActionInstructionCancellationRequestStatusAdvice
568 Corporate Action Narrative seev.031 CorporateActionNotificationV02Subset CorporateActionNotification
568 Corporate Action Narrative seev.038 CorporateActionNarrative
Investment Funds
Code Description Message Type Transaction Type
502 Order to Buy or Sell setr.004 RedemptionOrder
502 Order to Buy or Sell setr.010 SubscriptionOrder
509 Trade Status Message setr.016 OrderCancellationStatusReport
509 Trade Status Message setr.017 OrderInstructionStatusReport
515 Client Confirmation of Purchase or Sale setr.006 RedemptionOrderConfirmation
515 Client Confirmation of Purchase or Sale setr.012 SubscriptionOrderConfirmation
Settlement and Reconciliation
Code Description Message Type Transaction Type
508 Intra-Position Advice semt.015 IntraPositionMovementConfirmation
508 Intra-Position Advice semt.020 SecuritiesMessageCancellationAdvice
524 Intra-Position Instruction semt.013 IntraPositionMovementInstruction
524 Intra-Position Instruction sese.020 SecuritiesTransactionCancellationRequest
530 Transaction Processing Command sese.030 SecuritiesSettlementConditionsModificationRequest
535 Statement of Holdings semt.002 SecuritiesBalanceCustodyReport
535 Statement of Holdings semt.003 SecuritiesBalanceAccountingReport
535 Statement of Holdings semt.020 SecuritiesMessageCancellationAdvice
536 Statement of Transactions semt.017 SecuritiesTransactionPostingReport
536 Statement of Transactions semt.020 SecuritiesMessageCancellationAdvice
537 Statement of Pending Transactions semt.018 SecuritiesTransactionPendingReport
537 Statement of Pending Transactions semt.020 SecuritiesMessageCancellationAdvice
538 Statement of Intra-Position Advices semt.016 IntraPositionMovementPostingReport
538 Statement of Intra-Position Advices semt.020 SecuritiesMessageCancellationAdvice
540 Receive Free sese.020 SecuritiesTransactionCancellationRequest
540 Receive Free sese.023 SecuritiesSettlementTransactionInstruction
540 Receive Free sese.033 SecuritiesFinancingInstruction
540 Receive Free sese.036 SecuritiesFinancingModificationInstruction
541 Receive Against Payment sese.020 SecuritiesTransactionCancellationRequest
541 Receive Against Payment sese.023 SecuritiesSettlementTransactionInstruction
541 Receive Against Payment sese.033 SecuritiesFinancingInstruction
541 Receive Against Payment sese.036 SecuritiesFinancingModificationInstruction
542 Deliver Free sese.020 SecuritiesTransactionCancellationRequest
542 Deliver Free sese.023 SecuritiesSettlementTransactionInstruction
542 Deliver Free sese.033 SecuritiesFinancingInstruction
542 Deliver Free sese.036 SecuritiesFinancingModificationInstruction
543 Deliver Against Payment sese.020 SecuritiesTransactionCancellationRequest
543 Deliver Against Payment sese.023 SecuritiesSettlementTransactionInstruction
543 Deliver Against Payment sese.033 SecuritiesFinancingInstruction
543 Deliver Against Payment sese.036 SecuritiesFinancingModificationInstruction
544 Receive Free Confirmation semt.020 SecuritiesMessageCancellationAdvice
544 Receive Free Confirmation sese.025 SecuritiesSettlementTransactionConfirmation
544 Receive Free Confirmation sese.026 SecuritiesSettlementTransactionReversalAdvice
544 Receive Free Confirmation sese.035 SecuritiesFinancingConfirmation
545 Receive Against Payment Confirmation semt.020 SecuritiesMessageCancellationAdvice
545 Receive Against Payment Confirmation sese.025 SecuritiesSettlementTransactionConfirmation
545 Receive Against Payment Confirmation sese.026 SecuritiesSettlementTransactionReversalAdvice
545 Receive Against Payment Confirmation sese.035 SecuritiesFinancingConfirmation
546 Deliver Free Confirmation semt.020 SecuritiesMessageCancellationAdvice
546 Deliver Free Confirmation sese.025 SecuritiesSettlementTransactionConfirmation
546 Deliver Free Confirmation sese.026 SecuritiesSettlementTransactionReversalAdvice
546 Deliver Free Confirmation sese.035 SecuritiesFinancingConfirmation
547 Deliver Against Payment Confirmationn semt.020 SecuritiesMessageCancellationAdvice
547 Deliver Against Payment Confirmationn sese.025 SecuritiesSettlementTransactionConfirmation
547 Deliver Against Payment Confirmationn sese.026 SecuritiesSettlementTransactionReversalAdvice
547 Deliver Against Payment Confirmation sese.035 SecuritiesFinancingConfirmation
548 Settlement Status and Processing Advice semt.014 IntraPositionMovementStatusAdvice
548 Settlement Status and Processing Advice sese.022 SecuritiesStatusOrStatementQueryStatusAdvice
548 Settlement Status and Processing Advice sese.024 SecuritiesSettlementTransactionStatusAdvice
548 Settlement Status and Processing Advice sese.027 SecuritiesTransactionCancellationRequestStatusAdvice
548 Settlement Status and Processing Advice sese.031 SecuritiesSettlementConditionModificationStatusAdvice
548 Settlement Status and Processing Advice sese.032 SecuritiesSettlementTransactionGenerationNotification
548 Settlement Status and Processing Advice sese.034 SecuritiesFinancingStatusAdvice
549 Request for Statement/Status Advice semt.021 SecuritiesStatementQuery
549 Request for Statement/Status Advice sese.021 SecuritiesTransactionStatusQuery
578 Settlement Allegement semt.020 SecuritiesMessageCancellationAdvice
578 Settlement Allegement sese.028 SecuritiesSettlementTransactionAllegementNotification
578 Settlement Allegement sese.029 SecuritiesSettlementAllegementRemovalAdvice
586 Statement of Settlement Allegementst semt.019 SecuritiesSettlementTransactionAllegementReport
586 Statement of Settlement Allegementst semt.020 SecuritiesMessageCancellationAdvice
586 Statement of Settlement Allegementst sese.037 PortfolioTransferNotification
Foreign Exchange
Code Description Message Type Transaction Type
502 Order to Buy or Sell setr.004 RedemptionOrder
502 Order to Buy or Sell setr.010 SubscriptionOrder
509 Trade Status Message setr.016 OrderCancellationStatusReport
509 Trade Status Message setr.017 OrderInstructionStatusReport
515 Client Confirmation of Purchase or Sale setr.006 RedemptionOrderConfirmation
515 Client Confirmation of Purchase or Sale setr.012 SubscriptionOrderConfirmation
System Message
Code Description Message Type Transaction Type
012 Sender Notification xsys.002 Y-Copy Authorisation Notification
019 Abort Notification xsys.003 Y-Copy Refusal Notification
019 Abort Notification xsys.012 Failed Delivery Notification
Payment Processing
Technology levers
Payment Processing
Platform independence for lower total cost of ownership
Financial institutions are spending more on infrastructure and platforms every year than ever before which means the platform running are lacking the drivers of future proofs and technological upgrade. The need to reduce dependency on aging systems as well as lower hardware, operating system and maintenance costs has become paramount. PayGlobal360®™STT by leveraging multi-environment, estimate that institutions can reduce technology operating costs by considerable margin while enjoying the same performance, scalability, reliability and high availability. PayGlobal360®™STT also operates on HP Unix, IBM Series p and Oracle Sun servers.
Payments In The Cloud
PayGlobal360®™STT is available on premise or in a virtual private cloud environment. PayNways Worldwide provides world-class, cloud-based payment solutions and is tested on all major industry standards clouds and services is ready to be used by any organizations around the world to reduce time to market and minimize technical, operational and business risk. Virtual Private cloud-enabled services help organizations to plan the growth, introduction of various product into market and increase and expand business and customer offerings.

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