Payments processing for banks, without replacing your core
Automate, scale, and simplify your bank’s payment processing with Aquila’s cloud-native Payments Hub
Seamless Global and Domestic Payments from Aquila’s Payments Hub
Aqua Global’s cloud-native Payments Hub enables you to manage and send payments to any bank, in any currency, worldwide delivering end-to-end control, governance, and efficiency from one centralised solution.
What is a payments hub?
A payments hub is a single platform that sits between a bank’s core banking system and the payment networks, handling the production, validation, routing and settlement of payments across every rail rather than leaving each channel in its own system. Aquila covers Swift MT and MX, CHAPS, Bacs, Fedwire, FedNow, SEPA and SEPA Instant, T2, TIPS and local clearing, with duplicate, sanctions, AML and Confirmation of Payee checks built in.
Most banks are still running payments across tools that were never designed to work together, which is why 74% of the banking IT leaders we surveyed identify manual payment handling as the biggest obstacle to real time processing, and 71% say they lack visibility across the full payment lifecycle.
Aquila replaces that with one platform for inward and outward payments, giving you effortless payments management, streamlined processing and security measures including advanced encryption and fraud detection, whether you are replacing legacy tools or moving to a future ready messaging hub. It is cloud native, low code and multi channel, and it runs alongside your existing core rather than requiring you to replace it.
Speak to a payments specialist
Aqua Global has been building financial messaging and transaction automation software since 1983, and works with banks in more than 23 countries. Tell us what you are trying to fix and we will show you how Aquila handles it.
Why Choose Aquila.
Multi-Rail, Multi-Currency
One platform for SWIFT, SEPA, FedNow, CHAPS, BACS, T2, TIPS, and more—supporting global and domestic schemes.
Faster Time to Market
Decouple from your core system and move faster with a cloud-native, modular design.
Message Masks & Smart Routing
Cut noise. Highlight only relevant data. Route payments intelligently by entity, currency, or service.
Alerts & Notifications
Stay in control with SMS/email alerts for exceptions, failures, or policy breaches.
Alongside Your Core
Added as a layer between your core banking system and the payment networks, with no replacement programme required.
One Shared Database
Payments, messaging, reconciliation and matching run on the same data, so exceptions are resolved against the original message.
Core Features.
End-to-End Automation
From booking and validation to outbound messaging and compliance checks, Aquila handles it all—seamlessly integrated with your core systems via APIs.
Built-In Compliance Tools
Automated sanctions, AML, CoP, and FATF16 checks. Control risk, meet regulatory demands, and stay audit-ready.
Real-Time Visibility & Control
Track payments, exceptions, charges, and settlements through an intuitive UI with full audit trails.
Manual & One-Off Payments
Easily manage internal transfers or exceptions with clear repair flows and flexible templates.
Multiple deployment options
Available in the cloud, hybrid or on prem
Duplicate and Fraud Detection
Real time duplicate detection across all inward and outward channels, with monitoring of repeated beneficiary patterns.
One Platform. All Payment Rails.
Aquila offers robust core system integration for booking of payments and supports a range of formats, including standards such as:
- Swift MT
- Swift MX
- Bacs
- CHAPS
- Fedwire
- Lynx
- SEPA
- T2
- NPP
- SLIPS
- Elixir
- Sorbnet
- Nacha
- Internal formats
Client Testimonials
We are customer-driven and are proud of the outstanding levels of support that we provide. Our solutions are intuitive and empower people to perform their work more efficiently. Read real client comments below.
“‘The implementation of Aqua Global’s Aquila Reconciliation Solution has provided us with the tools to centralize and automate our reconciliation processes across eight entities, resulting in significant reductions in IT overhead while ensuring compliance with the latest ISO 20022 standards. The streamlined platform has improved efficiency, reduced complexity, and enhanced accuracy through AI-driven automation.”
Bruno Pereira Carneiro
Deputy Head of IT - Europe, Banco do Brasil
“Since integrating Aquila Message Management and Aquila Payments, we have seen remarkable improvements in payment automation, operational efficiency, and risk mitigation. The platform’s seamless multi-channel messaging capabilities have significantly reduced manual intervention, strengthened internal controls, and enhanced real-time transaction processing.”
Inayat Kashif
CEO, iFast Global Bank
“ Having worked with Aqua for more than a decade, we did not need to look any further. Moving from E2Gen to Aquila was the natural choice.”
Sayful Ahmed
Head of IT, UBL UK
“Partnering enables us to provide enhanced digital banking automation to financial institutions. The integration between dotConnect and Aquila provides financial institutions with the ability to automate the accounting and settlement of payments initiated within our application, strengthening the digital banking experience for their customers.”
Mohamed Gamil
CEO & Co-founder, dotConnect
Get in touch
Explore our comprehensive suite of solutions designed to streamline your financial operations.
Frequently Asked Questions related to the Payments Hub.
What is the Payments Hub?
The Payments Hub is Aquila’s cloud based payments processing solution that lets a bank manage and send payments to any bank, in any currency, from one centralised platform. It automates the flow from booking and validation through to outbound messaging and settlement, integrating with the core system through APIs.
What payment schemes does the Payments Hub support?
The Payments Hub supports all the global and domestic schemes, including SWIFT (MT and MX), Bacs, CHAPS, Fedwire, SEPA, T2, Lynx, NPP, SLIPS, Elixir, Sorbnet, Nacha and internal bank formats. This gives a bank interoperability across clearing networks from a single platform.
How does the Payments Hub handle compliance?
The Payments Hub embeds compliance into the payment flow, with sanctions screening, AML checks, Confirmation of Payee and FATF16 validation applied before payments are released. Full audit trails keep the bank audit ready while reducing the manual effort involved in meeting regulatory requirements.
Can the Payments Hub integrate with core banking systems?
Yes, it integrates with core banking systems through APIs, giving centralised control over payments while maintaining real time visibility and governance. Because integration happens at the messaging layer, a bank can modernise payments without replacing its core.
Can the Payments Hub manage one-off or manual payments?
Yes, alongside automated processing it provides flexible templates and interfaces for manual transfers, standing instructions and one off payments. Clear repair and exception flows keep even non standard payments controlled and auditable.