Single Instant Payments
Initiate an immediate single payment from the account the customer authorizes.
Account to account payments
Move money from the account customers choose.
Initiate secure, permissioned account to account payments across checkout, bills, transfers, disbursements, and business journeys.
Payment in context
Customers should not have to leave a trusted experience, manually reconstruct payment details, or wonder whether the instruction succeeded.
Core capabilities
Built around the outcome, not a catalogue of disconnected features.
Each capability can stand alone, but the value compounds when data, consent, intelligence, and action stay connected.
Single Future Dated Payments
Schedule one payment for an approved future date.
International Payments
Support approved payment journeys across borders and currencies.
Request To Pay
Present a payment request that the customer can review and authorize.
Refunds
Return funds through a controlled and traceable payment journey.
Fixed Recurring Payments
Authorize a repeated payment for a fixed amount and schedule.
Variable Recurring Payments
Authorize repeated payments whose amount can vary within agreed controls.
Top Up
Fund an approved wallet, account, or stored value product.
Partial Payments
Accept an authorized amount that settles part of an outstanding obligation.
From intent to operation
A controlled journey from first question to live capability.
Open Finance works when product, technology, compliance, operations, and the customer journey move through the same programme.
Set intent
Define amount, payee, purpose, and account.
Authorize
Complete the required customer authentication.
Initiate
Send the controlled payment instruction.
Confirm
Return status and next action to the experience.
Experience layer
Fewer breaks in the payment journey
FINX Connect supplies the payment initiation capability while the operating institution controls the proposition, risk, and customer relationship.
Operating model
Payment Initiation
- 01Account selection
- 02Consent and authentication
- 03Payment initiation
- 04Status and exception handling
A transparent view of the capabilities involved. This is an operating model, not a product screenshot.
Connect payment intent to completion.
Explore the right payment initiation pattern for your market, channel, and use case.