Skip to content
Let’s Talk(678) 203-0800 Partner ProgramDocumentationDocsBlogContact
Industries · Financial Services

The integration layer between every payment rail you settle on.

The integration layer behind banks, treasury teams, and payment companies that move money in real time and reconcile in audit time. Native SWIFT MT/MX, ISO 20022, ACH, FedNow, and RTP - with the SOX, PCI DSS, and FFIEC posture your audit team requires.

Schedule a banking architecture review Browse payment rails
CORE BANKINGFIS · Finastra SWIFTMT · MX PAYMENTSACH · RTP MARKETSFIX Art2link
Our Clients
The realities

What integration looks like inside a working bank.

Reality 01
ISO 20022 isn’t optional

SWIFT MT retirement is on the calendar. Real-time gross settlement, FedNow, RTP - all on ISO 20022 already. Translation between MT and MX is now load-bearing.

Reality 02
Sub-second is a baseline

Real-time payments settle end-to-end in under 20 seconds. The integration layer handles routing, authorization, fraud screening, and notification on one path.

Reality 03
The audit follows the money

Every transaction is an audit artifact. 7-year retention typical, longer for state-chartered institutions. The integration platform owns half the compliance surface.

Reality 04
Core banking won’t modernize fast

After 10 years of "core modernization," FIS, Fiserv, Jack Henry, and Temenos still anchor the back office. The integration layer brokers between legacy core and cloud-native channels.

Where it runs

Every corner of the financial estate, one backbone.

From the trading floor to the payment rail - the same runtime, the same audit trail.

Investment bank trading floor with data terminals
Banking

Retail & investment banks

Core banking, trading, and settlement flows on one gateway.

Secure financial data center
Payments

Payment operations

ACH, RTP, FedNow, and Wire routed with sub-20ms latency and full audit.

Global payments network visualization
Treasury & markets

Treasury & capital markets

SWIFT MT/MX co-existence and ISO 20022 migration on one plane.

Payment rails

Every rail you settle on. Under one configuration surface.

Native message handling, standards-compliant validation, and rail-specific compliance on every major payment rail. Hover any rail for its timing, message standards, and use cases.

Supported rails · 8 payment rails · 4 real-time · 2 same-day · 2 batch
Real-time Same-day Batch / cycle
FedNowReal-time
ISO 20022 · pacs.008 / pacs.002

US Federal Reserve instant-payment service. 24/7/365, settles within seconds. $500K participant limit per transaction.

Message types
pacs.008 credit transfer · pacs.002 status · camt.029 cancellation · pain.013 request-for-payment.
Use cases
Account-to-account transfers, B2B same-day, payroll on-demand, just-in-time supplier payment.
RTPReal-time
ISO 20022 · TCH Real-Time Payments

The Clearing House Real-Time Payments. Bank-owned alternative to FedNow. 24/7/365 instant settlement.

Message types
pacs.008, pacs.002, camt.054 notification, pacs.028 inquiry, pain.013 request-for-payment.
Use cases
Commercial RTP, escrow disbursement, insurance claim payouts, fintech account funding.
SWIFT MXCross-border
ISO 20022 · CBPR+ migration

SWIFT’s ISO 20022 cross-border message set. Co-existence period with MT through 2025; MX-only thereafter.

Message types
pacs.008 / pacs.009 cross-border credit · camt.053 / .054 statements · pain.001 customer credit · gpi tracking.
Use cases
Correspondent banking, treasury wires, FX settlement, multi-currency cash management.
Wire (Fedwire)Same-day
Fedwire · ISO 20022 (2025)

US Federal Reserve wire transfer. High-value, irrevocable, settles intraday. Fedwire migrated to ISO 20022 in 2025.

Message types
Fedwire Funds Service messages (legacy and ISO 20022 pacs.008 equivalents post-migration).
Use cases
High-value treasury, real-estate settlement, securities settlement, large corporate disbursement.
ACHSame-day / next-day
NACHA · X12 820 / EDI

Automated Clearing House. Same-day (3 windows) or next-day. NACHA standard, X12 820 for remittance.

Use cases
Payroll, direct deposit, bill pay, B2B AP/AR, consumer subscription billing, government benefits.
Limits
Same-day cap $1M per entry (2025). Standard ACH no per-entry cap.
Card networksReal-time auth
ISO 8583 · EMV · PCI DSS

Visa, Mastercard, Amex, Discover networks. Auth in milliseconds, settle in batch. PCI DSS scope.

Message types
ISO 8583 auth/capture/refund/chargeback messages. EMV cryptogram validation in-line.
Use cases
POS authorization, e-commerce gateway, recurring billing, dispute / chargeback orchestration.
SWIFT MTCycle-based
SWIFT MT · CHIPS · co-existence

Legacy SWIFT MT message set. Co-existence with MX through 2025; SWIFT mandates MX-only thereafter.

Message types
MT 103 (customer credit) · MT 202 (financial institution credit) · MT 940/950 statements · MT 199 free-format.
Use cases
Legacy correspondent banking, FI-to-FI credit transfers, statement reporting, FX confirmation.
Lockbox / fileDaily cycle
BAI2 · X12 823 · NACHA file

Daily lockbox files, BAI2 cash position reporting, file-based remittance. Core treasury reconciliation feed.

Use cases
AR reconciliation, cash positioning, automated remittance application, exception handling.
Sources
Bank lockbox provider, treasury workstation, third-party processor.

Cross-rail translation is first-class: MT → MX, ACH NACHA → ISO 20022 pain.001, wire confirmations into BAI2 statements. The platform speaks legacy and ISO 20022 dialects simultaneously through the co-existence window.

Core systems coverage

The core banking and treasury platforms your estate already runs.

FIS
Core banking
  • IBS / HORIZON / Profile
  • Modern Banking Platform
  • Card processing
Fiserv
Core banking
  • Premier · Signature · DNA
  • First Data card processing
  • Real-time hub
Jack Henry
Community + mid-tier
  • SilverLake · CIF 20/20
  • Banno digital channels
  • iPay treasury
Temenos
International core
  • T24 Transact
  • Infinity digital
  • Multifonds wealth
SAP S/4HANA
Finance & treasury
  • Cash Management
  • In-house Cash (IHC)
  • Bank Communication Mgmt
Oracle
Financials & treasury
  • FLEXCUBE core banking
  • Cash Management cloud
  • Risk Management cloud
Bloomberg / Refinitiv
Market data
  • Real-time pricing feeds
  • FX rates
  • Reference data
Custom
Proprietary cores
  • OpenAPI 3.1 spec-driven
  • Mainframe (CICS, COBOL)
  • AS/400 RPG
Compliance posture

Aligned with the regulations finance examiners check first.

Art2link runs in your Azure subscription - account data and PII never leave your tenant. Audit retention is configurable per integration for state-charter and federal requirements (7 years typical), with read-only examiner access to the audit log.

SOXSection 404 controls
PCI DSSScope reduction posture
FFIEC CATCybersecurity assessment
AML / OFACScreening hooks
GLBAPrivacy + Safeguards rules
SOC 2 Type 1In progress
Which surfaces matter most

The Art2link solutions a financial estate runs day one.

Primary

API Management

Open banking, partner APIs, FAPI 2.0-compliant OAuth, mTLS for B2B, rate limiting per consumer.

Read more → Primary

System Integration

Core banking ↔ channel ↔ payment rails ↔ treasury. The connecting tissue between FIS/Fiserv/Temenos and everything else.

Read more → If on BizTalk

BizTalk Migration

Many banks still run BizTalk for SWIFT message routing and core integration. The migration path off, without rewriting business meaning.

Read more → Commercial banking

EDI Integration

X12 820 (payment remittance), 821 (account balance), 822 (account analysis) for commercial customer banking integration.

Read more →
Banking architecture review

Walk a real payment flow with our team.

30 minutes with a senior architect who has shipped in banking. Bring a live payment rail or a compliance question; leave with a tailored reference architecture.