Finastra, a global leader in financial services software, has introduced its modern ACH payment solution, marking a key milestone in the US payments market. With this launch, the company becomes one of the few providers to support all major US payment clearings-ACH, wires, and real-time payments-through its unified payments hub, Global PAYplus.

The new ACH Module is built on a modern technology stack, enabling financial institutions to implement a forward-compatible solution that streamlines ACH processing, reduces operational complexity, and adapts to evolving customer and regulatory demands. It offers advanced functionality such as same-day ACH, early pay, and late return handling, supported by rich APIs for seamless integration and operational control. Designed for scalability and high transaction volumes, the solution also delivers a user-friendly interface, making it adaptable for institutions of all sizes.

Barry Rodrigues, EVP of Payments at Finastra, emphasized the importance of this launch, calling it “a major leap forward in payment modernization.” He explained that the solution combines modern architecture with real-time capabilities, giving banks the ability to scale efficiently while delivering secure and resilient ACH processing. As ACH remains a cornerstone of the US payments ecosystem, Finastra’s offering provides banks with an advanced alternative to aging legacy systems, empowering them to bring more innovation and value to corporate customers.

The solution delivers multiple benefits, including cloud-native microservices and Kafka-based event streaming for resilient ACH processing, advanced risk and compliance tools such as exposure management, Positive Pay, pre-funding, and integration with fraud and OFAC systems, as well as scalability to handle large volumes across multiple batches and files. For customers, it means greater transparency, reliability, and real-time insights, improving trust and satisfaction.

According to Aaron Press, Research Director at IDC Insights, financial institutions are increasingly seeking modern ACH platforms integrated within payment hubs to enhance operations while offering advanced services customers now expect. He noted that adopting such solutions allows banks to streamline processes, cut costs, and improve overall user experience.

In addition to its integration within Global PAYplus, ACH processing will also become part of Finastra’s Payments To Go solution in the near future.

Finastra serves over 8,000 customers worldwide, including 45 of the world’s top 50 banks, across 130+ countries. Its portfolio spans lending, payments, universal banking, and treasury and capital markets, with products such as Loan IQ, LaserPro, Trade Innovation, Essence, Global PAYplus, and Payments To Go. Backed by Vista Equity Partners, Finastra continues to co-innovate with customers to deliver modern, scalable technology that supports long-term growth and resilience.