RTGS Liquidity Manager


Acumen Technologies offers the ideal and stout middleware solution for the banks in India who are participants in the RTGS (Real Time Gross settlement) and NEFT system. This system will link various payment and settlement systems of the bank with Participant Interface and NEFT Server, and will function in an online real time environment.




PH inter-connects banks, hosts Payment Gateways and vice versa. PH is built on an open, J2EE technology. The integration is primarily done using IBM WebSphere MQ, a message oriented middleware application. It also supports file based system.
The system supports processing of SWIFT, RTGS and NEFT messages for end to end integration with bank’s hosts and payment gateways. Support for additional message format can be done with minor customization. .




  • Configurable, Scalable, and Highly secure Payments and Receivables platform for Banks to manage channel integration
  • Reduces the stress on core bank solution by managing all transaction processes at the payment hub layer.
  • Provide Straight through processing from payment channels to core banking
  • Common Integration approach with Core Banking platform to ensure data integrity and reduce errors
  • Empowers the bank users to manage and monitor all transaction messages
  • Transaction processing , monitoring, auditing and reporting dashboard
  • Handle High volume of data with efficient use of system resources
  • Support all legacy and new generation channel integrations (SWIFT, NEFT, RTGS, NGRTGS, NACH, ABPS)
  • Web based user interface for transaction management, message reconstruction and message management, real time monitoring , reporting and dashboards