Payments – domestic and internationally secure.

From SEPA credit transfers with real TAN approval to ISO 20022 and SWIFT schemes for GCC and Africa: bank connection, validation, four-eyes approvals and an audit-proof trail – configurable per country, without programming.

Request a demo → Features

FinTS · SEPAISO 20022 · pain.001SWIFT MT103Four-eyes principlecamt.054 / pain.002

Features

One payment path – every country

mercaware separates what a payment is from how a country or bank expects it. New schemes are added as configuration – without programming.

Bank connection (FinTS)

Account transaction retrieval with PIN/photoTAN, SEPA remittance parsing, transaction preview and import.

SEPA end-to-end

Single credit transfer and bulk direct debit (CORE/COR1/RCUR) with real TAN approval.

International scheme catalogue

GCC and Africa schemes as data (ISO 20022, SWIFT MT, local formats) – a new country is a catalogue entry, not code.

Validation & routing

IBAN check, scheme mandatory fields, double-payment protection and capability check account ↔ scheme.

Approvals & audit

Payment batches, a four-eyes approval matrix and an audit-proof, continuous trail.

Export & feedback

pain.001 / MT103 with a checksummed export archive; bank feedback (pain.002 / camt.054) with automatic matching.

Capture payment→Validation→Routing→Approval (four-eyes)→Export (pain.001 / MT103)→Feedback (camt.054)

SEPA and FinTS are fully covered. International schemes are maintained as a catalogue; connecting individual banks/providers happens during onboarding.

In detail

Accounts, reconciliation and proof

Neutral payment model

A common basis for SEPA and international schemes – bank accounts with IBAN/BIC, account number, wallet and aliases.

Statement & reconciliation

Account statement retrieval and automatic matching of open items, configurable status mapping.

Double-payment protection

Detects and blocks accidental duplicate payments before approval.

Export archive

Every generated payment file is archived audit-proof with a checksum.

Approval matrix

Value-based, multi-level approvals with a clear separation of capture and approval.

Audit trail

Every security-relevant action logged with identity, timestamp and context.

See Payments in mercaware live.

From the bank connection through four-eyes approval to international file export – in a personal demo tailored to your markets.

Request a demo → All modules