BankPay

The Modular Solution for the Evolution of Domestic and European Collections

Discover the benefits

The payment landscape in Europe is undergoing a profound transformation, driven both by regulations such as SEPA, PSD2, ISO 20022 migration, and new regulations on Instant Transfers, as well as by new technologies. These innovations are redefining the business models of banks and enterprises, impacting processes, structures, and information systems. The growing demand for digital services and the opening of the market to new operators are creating a competitive environment and stimulating the search for new strategies to differentiate themselves.

In this scenario, banks play a crucial role in supporting businesses. IT becomes a key element for transforming business models for collections and payments, reducing operational costs, optimizing services, and facilitating the digital evolution of customers.

To meet these challenges, banks need to adopt flexible and agile information systems that can quickly adapt to market changes and support innovation.

BENEFITS

Integrated Management Supporting Payment Innovation

BankPay is a complete suite of solutions for managing both domestic and international (SEPA) bank collections. Designed based on over 30 years of experience, it offers banks an integrated platform to efficiently and effectively manage all collection processes.

The suite includes independent modules, a dedicated competence center, and a wide range of ancillary services. Thanks to these features, BankPay enables banks to offer their customers a broad range of collection services, supporting them in adapting to the continuous regulatory changes in the sector.

The solution is highly customizable and adapts to the specific needs of each bank. Currently, about 40% of large Italian banks rely on BankPay to manage their collections, demonstrating its reliability and the provider's extensive expertise.

Strengths of the Suite

  • Full management of the entire financial value chain, from domestic collections to pan-European SEPA collections
  • Functionally independent modules, which can be activated individually or benefit from interesting synergies depending on the bank's needs
  • An evolving roadmap thanks to the dedicated Competence Center, including regulatory updates, technological advancements, platform enhancements, and functional evolution
  • Rich functionality that allows the expansion of the service offerings to the bank's clients
  • Rich functionality that allows the expansion of the service offerings to the bank's clients
  • Dedicated support for customers during installation, contextualization, and testing for the activation of application modules and evolutionary releases

Modules

Gesin

Commercial Portfolio

Management of all functions for the acquiring bank (creditor's bank) related to collection instruments such as bills of exchange, RiBa, MAv, and the liquidation of the Commercial Portfolio

Bills

Cash Effects

Management of all functions for the collecting bank (payer's bank) related to collection instruments such as bills of exchange, RiBa, MAv/RAv

Paper

RAv & Postal Slips Collections

Management of all functions for the treasury bank and the collecting bank related to collection instruments such as Freccia, RAv, Postal Slips

Quick

Invoice and Document Advances

Management of all functions for advances on invoices and other documents, in multi-channel delivery mode, and for settlement/results functions

SDDPay

SEPA Direct Debit

Management of all functions for creditor and debtor banks related to pan-European SEPA Direct Debit (Core and B2B), liquidation of the Commercial Portfolio, and AOS SEDA

ENTER

Accounting Rules

Parametric management of the interface to General Accounting and Current Accounts (rule manager for events)

Debit

Debtor Risk

Support for debtor risk analysis related to collections of the Portfolio, SDD, Invoice Advances

RTPway

Request to Pay

Management of the new pan-European SEPA RTP scheme with liquidation and reconciliation

Other Solutions

PortaConto

Transferability of Payment Accounts

Allows efficient management of processes for account transfers, ensuring full compliance with regulations

EUReg

EU Regulation 2015/847

Provides cross-application functions and services for compliance with EU Regulation 2015/847, relevant to the bank's fund transfer applications

SCF

Supply Chain Finance

Solutions for Dynamic Discounting and Confirming

Ecobonus

Management of Tax Credits

Solution for the bank management of tax credits transferred by customers