Products

HarmoniaPay

Payment orchestration for efficiency and control

 Simplify your payment operations

The answer to complex payment operations

HarmoniaPay is a payment orchestration platform built for companies that must handle large volumes of transactions daily, such as banks, financial institutions, Fintech, and any company that relies on multiple processors. 94% dos líderes financeiros afirmam que a transformação digital é crítica para o crescimento futuro das instituições financeiras. *Deloitte’s Global Digital Banking Survey.

Intelligent orchestration for
end-to-end payments

HarmoniaPay processes, distributes, and monitors real-time payments, focusing on security, cost, and performance, offering flexible integration and a customizable rules engine.
Payment input

Upload payment files or integrate via API/SFTP.

Intelligent processing

Get the best path for each transaction based on the defined rules.

Optimized execution

Low cost, quick, and guaranteed payment redundancy.

Real-time monitoring

Monitor everything with automatic alerts, reports, and audit trails.

See HarmoniaPay in action

Features that simplify the complex

• Connect to multiple banks, processors, and LMS systems
• Real-time API and SFTP support and batch processing
• Secure authentication and credential management

• Instant Payments (FedNow, TCH) and payment processing via ACH, Wire
• Automated return file handling
• Duplicate transaction detection and prevention of processing errors

• Load balancing optimization, distribution, and cost
• Automatic validation of account and routing numbers
• Enforcement of transaction limits, date restrictions, and cancellation rules
• Compliance with financial regulations and internal policies

• Detailed transaction tracking with audit trails
• Exportable reports for compliance and analysis
• Real-time alerts for errors, fraud, and rule violations

• Intelligent routing based on cost, speed, or processor availability
• Multi-entity management with custom configurations per company
• User-defined operational flows and limits

• Role-based access control (RBAC)
• Support for Single Sign-On (SSO) and Multi-Factor Authentication (MFA)
• Full action logging for audits and internal controls

Less complexity, more control

  • Works with any processor, without having to change the ones you already use
  • Automatic routing to the cheapest and most efficient channel
  • Intelligent failover to avoid failures
  • Optimizes volume per processor and reduces costs
  • Reports with complete visibility into payments
  • Easy and fast integration via API

Designed for operations that cannot stop

Our Payment Orchestration Platform is designed for no downtime. Automating and optimizing payment flows across multiple providers to ensure performance, stability, and control, even under pressure.

It’s the perfect solution for:

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Lenders & Financial Institutions

Automate loan disbursements, borrower repayments, and vendor payments while ensuring cost-efficient processing.

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 Banks & Credit Unions

Simplify vendor payments, reduce manual operations, and optimize transaction routing.

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Fintechs & Payment Service Providers

Offer seamless payment experiences while managing multiple processors efficiently.

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Marketplaces & Platforms

Distribute payments to multiple vendors, ensuring compliance, automation, and cost savings.

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Businesses handling high-volume payments

Whether paying suppliers, employees, or customers, our platform ensures speed, reliability, and cost efficiency.

Improve your
payment
operations

Rely on a solution that centralizes, automates, and optimizes your payment workflow.