Value Stream:
Process
Process payments, cards, FX rates, and merchant data seamlessly to enable faster, more reliable transactions.
Overview
Power seamless payment operations with intelligent transaction management.
Centric connects payment requests, card BIN data, real-time FX rates, network analytics, and merchant configurations to ensure every transaction is fast, accurate, and efficiently settled optimizing reliability, cost, and operational control.
Key Statistics
Global payment decline rates average 15–20%, costing providers billions in lost revenue - FIS Global Payment Trends 2024
AI-driven routing and reconciliation improve transaction success by 25–40% - McKinsey Payments Intelligence Study
Real-time FX optimization reduces conversion loss by 10–15% - Accenture Cross-Border Efficiency Report
Automated settlement workflows cut processing time by 60% — PwC Digital Operations Benchmark
Manual Reconciliation
Settlement and matching processes are slow, error-prone, and resource-intensive.
High Decline Rates
Transactions fail due to routing inefficiencies, poor network visibility, or misconfigured merchant data.
Operational Bottlenecks
Teams spend hours resolving exceptions and fee discrepancies manually.
Limited Visibility
No unified view of transaction health, FX exposure, or processing performance.
Inflexible Systems
Legacy platforms struggle to adapt to new networks, currencies, or risk conditions.
Revenue Leakage from high decline rates and delayed settlements.
Growing Cross-Border Demand driving need for smarter FX management.
Increased Regulatory Scrutiny on transaction traceability and audit accuracy.
Rising Operational Costs from manual exception handling and reconciliation.
Customer Frustration caused by failed or delayed payments.
Intelligent Payment Routing
Settlement and matching processes are slow, error-prone, and resource-intensive.
Automated Settlement & Reconciliation
Fee calculations and payouts are handled in real time for full accuracy and transparency.
FX Conversion & Rate Optimization
Dynamic rate selection minimizes conversion loss and enhances cross-border performance.
Network Performance Monitoring
Live insights into transaction latency, network health, and decline patterns keep operations resilient.
Exception Prioritization
Smart triage models flag and rank issues by urgency and financial impact.
Continuous Optimization
Every failed transaction, latency spike, or FX shift feeds Centric’s learning engine — refining routing logic and improving reliability over time.
