Built for Banks, Fintechs, and Embedded Finance Providers
Zahlex —
Payment gateway
A real-time dashboard that monitors payment volumes, system health, and SWIFT, SEPA, SIC, EuroSIC connectivity. A guided workflow for creating payments includes dedicated tools for message validation against official standards.
Core Capabilities
· SWIFT/SEPA/SIC real-time gross settlement and Instant Payments Interface acts as a gateway for real-time interbank clearing payments in Switzerland.
· Real-time Monitoring Provides live updates on the system's operational status.
· System Status Indicators Tracks the status of Routing, Queuing, and SIX connectivity.
· Queue Management Displays queue depth and the number of active workers.
Operations & Processing
· Total Payments Tracking Monitors the total count of payments, showing a breakdown of completed transactions.
· Swiss Banks Tracking Monitors the number of active Swiss banks within the system.
· Clearing Status Shows the operational status of the clearing services.
· Transaction History lists recent messages sent to the SIX network.
Payment Creation
· Guided Creation Workflow Offers a step-by-step workflow for creating Swiss payments with validation.
· Credit Transfer Initiation Supports customer-to-customer, single/bulk transfers, Swiss IBAN validation, and QR reference support.
· Financial Institution Transfer Supports bank-to-bank transfers, clearing system integration, priority/routing, and SWIFT/SEPA/SIC compliance.
· Dedicated forms for inputting Debtor Information, Creditor Information, and Payment Details.
· IBAN Validation Includes required input fields and validation for International Bank Account Numbers.
Message Validation
· Validation Portal Allows users to validate messages against a selected reference standard.
· SIX Reference Standards Library Provides a list of standards from SIX Interbank Clearing Ltd and SIX BBS Ltd.
· Drag-and-Drop Upload Supports uploading messages for validation via file selection or drag-and-drop.
· Validation Results Viewer Displays validation completion status and results in HTML or Text formats.
· Data Security Precaution Warns that only fictitious, anonymized, or synthesized data may be used for validation.
Utilities & Administration
· Message Processing Tools Includes Message Validation, Message Conversion, and Message Flow monitoring.
· Bank Directory Provides access to a directory of banks.
· Clearing Calendar Access to a central clearing schedule.
· SIX Mock Server Utility for testing and development purposes.
· System Settings Configuration area for the payment gateway.
