Modernize your payment-file and message processing with ISO 20022 readiness, real-time visibility, automated validations and exception management while continuing to use your existing banks or payment providers for final submission and settlement.
From loans, collections, fees, refunds and more.
Validate structure, rules and business logic.
Generate ISO 20022 messages and files (pain.001, pacs.008 and more).
Track acknowledgements, statuses and exceptions in real-time.
Reconcile transactions and generate reports with full audit trails.
Metagens does not directly submit transactions to banks, card networks or the Federal Reserve. Final submission, settlement and clearing are performed by your bank, payment provider or external system.
Modernizing payment operations is a mapping and cut-over project, not a software install. This is the part that takes the time — and the part most plans underestimate.
ISO 20022 is a standard, but every bank implements a subset of it with its own mandatory fields, reference formats and reason codes. We map your current files against the spec your bank actually publishes, not a generic one.
The same payment run goes through your existing process and through Metagens side by side. Nothing cuts over until the files, totals and acknowledgements agree, so the first live run is not the first real test.
One payment type at a time — disbursements first, then collections, then the rest. A problem on one rail never puts the whole payment operation at risk, and you can stop after any stage.
Most teams arrive with a queue of unresolved returns, rejects and unmatched items. We triage what is there before go-live, so the new process starts clean rather than inheriting the old one's mess.
Payment templates, beneficiary data, mandates and historical runs migrate with you, so reporting and audit do not restart from zero on cut-over day.
The project changes how payment files are produced, validated and reconciled — not who settles them. Your banking agreements, accounts and settlement arrangements stay exactly as they are.
This page covers the project. For what Metagens Payments does day to day — file and message processing, validation, routing, status tracking, exception management and reconciliation — see Payments, or ISO 20022 for the message types supported.
A proven approach to modernize your payment operations.
We assess your current payment processes, systems and pain points.
We design the target payment operating model and file flows.
We configure validations, workflows, mappings and integrations.
We migrate data, templates and historical information (where applicable).
We go live in phases with parallel run and hypercare support.
We continuously optimize performance, rules and reconciliation.
We work with your existing banks and payment providers. You control final submission, settlement and clearing.
Send disbursements to borrowers and partners.
Process customer payments including EMI, fees and prepayments.
Issue refunds, chargebacks and reversals with proper tracking.
Pay vendors, suppliers and service partners.
Upload bulk files and process high volumes efficiently.
ISO 20022 ready for cross-border rails and standards.
Bring visibility, control and efficiency to every payment with ISO 20022 readiness and end-to-end tracking across your lending operations.
