Everything required to accept, process, and settle payments. 

Payments

BKN301 payments capability provides the infrastructure required to accept, process, and manage payments across channels, providers, and networks. It ensures transactions move reliably from authorization to settlement, with full visibility and control. 

Merchant acquiring & acceptance 

Enable businesses to accept payments across online, mobile, and point-of-sale channels. Supports the full acquiring lifecycle, from authorization and processing to settlement, while connecting to card networks and payment providers. 

Billing, subscriptions & recurring payments 

Manage utility payments, subscriptions, and recurring charges directly from user accounts. Supports automated billing, scheduled payments, and real-time confirmations to simplify everyday payment flows. 

Processing, routing & settlement 

Handle routing, processing, and reconciliation across multiple providers and payment rails. Ensures secure execution, operational reliability, and efficient settlement for both merchants and service providers. 

One synchronized ecosystem for modern finance.

BKN301 enables financial institutions to scale, adapt, and evolve through one unified operational foundation.
Discover how BKN301 enables:

  • Intelligent execution across the financial ecosystem
  • Faster innovation with greater flexibility and control

Built for the next generation of financial institutions.

Contact sales

Explore all capabilities

Banking

Accounts, cards, lending, and trading in one system. Run core financial operations without stitching tools together. 

Go to

Payments

Accept, process, and settle payments across channels. One infrastructure for merchants, users, and flows.

Go to

Tokenization

Turn assets into programmable financial products. Control issuance, distribution, and lifecycle end-to-end. 

Go to

Governance

KYC, AML, fraud, and compliance built into workflows. Every action is traceable, controlled, and auditable. 

Go to

Forecast

Leverage structured, real-time data to support predictive models, enabling better planning, risk assessment, and forward-looking decision-making. 

Go to

Third-party integrations

Connect external providers through a unified orchestration layer, reducing integration effort, avoiding duplication, and enabling vendor flexibility. 

Go to

Every challenge, a solution built for it

Modernize legacy systems without business disruption

Upgrade and transform existing banking infrastructure while maintaining day-to-day operations, customer experience, and business continuity.

Discover more

Launch new services on a trusted data foundation 

Bring new products and channels to market more quickly by building on a trusted, consistent data instead of creating new integrations for every initiative.

Discover more

Expand across markets without rebuilding your infrastructure 

Expand into new markets and support regional requirements through a consistent operating model that simplifies growth across jurisdictions.

Discover more

Ensure business continuity during migrations and outages 

Keep critical services running and customers connected during system migrations, provider changes, maintenance activities, and unexpected disruptions.

Discover more

Cut delays across decisions, onboarding and reporting 

Replace manual queues and disconnected systems with real-time answers built on one governed data layer – so decisions, journeys and insights run at the speed of the business.

Discover more

Improve efficiency across compliance and operations 

Automate repetitive activities across AML, KYC, reporting, and customer operations so teams can focus on higher-value work and critical exceptions.

Discover more

Detect and manage risk before it becomes loss 

Monitor transactions, customer activity, and operational signals continuously to identify emerging risks early and support faster, more informed action.

Discover more

Deliver personalized banking experiences

Deliver context-aware experiences and recommendations based on each customer’s financial activity and needs.

Discover more

API Gateway.
One access layer for continuously aligned data.

A single governed access layer across the financial ecosystem, making it easier to connect systems, launch new capabilities, and scale services with greater control.

Explore API Gateway

The Data Decoupling brings order to the way your data works.

BKN301 creates a trusted operational foundation that keeps data, workflows, and services aligned across the ecosystem. This enables institutions to innovate faster, maintain continuity, and evolve with greater flexibility.

  • One operational view across multiple systems
  • Change providers without rebuilding integrations
  • Maintain continuity as systems and services evolve
Explore Data Decoupling