Project Name
Real-Time Payments Modernization and Aperta Hub Implementation for a South American Bank
For one of South America’s leading private-sector banks, traditional payment infrastructure was becoming a growing constraint on customer experience and operational agility. Domestic payments were processed through a legacy ACH model with fixed operating windows and delayed settlement cycles, limiting customers to business-hour transactions and creating friction across retail and commercial banking services.
At the same time, the launch of the Central Bank’s real-time payment framework introduced both a regulatory requirement and a strategic opportunity to modernize.
Partnering with Ksolves, an AI-First Company, the bank implemented a scalable real-time payment ecosystem designed to activate instant domestic transfers while preserving continuity with existing payment operations. Using MuleSoft, Salesforce Financial Services Cloud, and Aperta Payment Hub, Ksolves delivered an API-led architecture that supports intelligent routing, real-time settlement, and uninterrupted customer experiences across channels.
The challenges faced by the client are as follows:
- Limited Payment Availability: The legacy ACH infrastructure supported payments only during a restricted daily operating window. Customers could not initiate or receive transfers outside business hours, creating service limitations and reducing customer satisfaction.
- Manual Settlement Operations: Payment processing relied heavily on manual CSV exports and external settlement processes, increasing operational overhead, reducing visibility, and introducing avoidable processing risks.
- Delayed Transaction Settlement: Domestic payments followed a batch-based model, creating a gap between transaction initiation and confirmation that no longer aligned with modern customer expectations.
- Complex Dual-Rail Payment Requirements: The bank needed to introduce real-time payment capabilities while maintaining uninterrupted coexistence with the existing ACH infrastructure. Routing decisions had to happen automatically without creating customer friction.
- Core Banking Integration Challenges: Connecting existing core banking platforms with the Central Bank’s real-time payment framework required advanced integration capabilities and orchestration across multiple systems.
- International Transfer Processing Requirements: The bank also needed a unified mechanism for managing inbound international transfers alongside domestic payment modernization initiatives.
Ksolves, an AI-First Company, designed and delivered a fully integrated real-time payment architecture built around API-first principles, intelligent transaction orchestration, and uninterrupted coexistence between legacy and modern payment rails.
- Real-Time Payment Hub Implementation: Configured and deployed Aperta Payment Hub to enable real-time outbound payment initiation and instant processing of inbound domestic transfers through standardized API connectivity.
- Intelligent Payment Routing: Designed a dynamic routing framework that evaluates transaction conditions and automatically determines whether payments should flow through the real-time network or continue through the ACH process.
- Core Banking Synchronization: Integrated the real-time payment ecosystem with the bank’s Core Banking System using MuleSoft to ensure transactions are reflected instantly across operational and financial ledgers.
- International Payment Integration: Implemented inbound processing workflows for international transfers to support compliant routing and unified transaction handling across payment types.
- API-Led Architecture: Established a reusable integration foundation using MuleSoft APIs to simplify connectivity, improve scalability, and accelerate future payment innovation.
- Accelerated Delivery Approach: Applied AI-supported development practices during integration implementation to streamline engineering effort and reduce overall delivery timelines.
Technology Stack
| Layer | Technology |
|---|---|
| Integration Platform | MuleSoft |
| Banking Platform | Salesforce Financial Services Cloud + OmniStudio |
| Real-Time Payment Infrastructure | Aperta Payment Hub |
| International Transfers | RIA Payment Services |
| API Layer | REST APIs |
| Delivery Acceleration | AI-Powered Development Tooling |
- Always-On Payment Availability: Enabled round-the-clock payment capabilities allowing customers to initiate and receive transfers without business-hour restrictions.
- Real-Time Settlement Experience: Transitioned domestic payments from batch-based processing to instant settlement, improving transaction speed and customer confidence.
- Reduced Operational Dependency: Replaced manual export processes with automated API-driven payment execution and reconciliation workflows.
- Seamless Dual-Rail Operations: Delivered coexistence between modern payment infrastructure and legacy ACH processing without disrupting customer journeys or operational continuity.
- Stronger Market Positioning: Enabled early adoption of the Central Bank’s payment modernization initiative, strengthening the bank’s competitive position in the regional market.
- Scalable Digital Payments Foundation: Created a flexible architecture that supports future payment services, channel expansion, and innovation initiatives.
“The implementation gave us a payment infrastructure we can be proud of. Customers can now transact at any time with confidence, while our operations teams no longer depend on manual payment processes.”
– Head of Digital Banking
What began as a payment modernization initiative became a foundational transformation of the bank’s digital payments infrastructure.
Ksolves, an AI-First Company, helped the bank move beyond restricted payment windows, manual settlement processes, and disconnected transaction systems to a unified, API-led real-time payment ecosystem. Customers now benefit from continuous payment availability, instant settlement, and seamless transaction experiences across both modern and legacy payment rails.
Built on MuleSoft, Salesforce Financial Services Cloud, and Aperta Payment Hub, the solution enables intelligent transaction routing, real-time ledger synchronization, and scalable payment operations without replacing existing infrastructure.
As financial institutions continue investing in modernization, integration becomes the foundation for delivering connected customer experiences and operational efficiency. Through Salesforce Consulting Services, Ksolves helps banks design, implement, and scale secure, API-led ecosystems that accelerate digital transformation and support future payment innovation.
With a modular integration architecture now in place, the bank is positioned to expand digital channels, introduce new payment capabilities, and onboard future financial services with speed and flexibility.
Ready to Modernize Payments and Build a Connected Banking Ecosystem?
