Every entity, one place
Each legal entity, fund or business unit keeps its own accounts, approvals and audit trail, all managed through one login.
Managed Payment Factory
Corporate payments should not be an internal operation.
Omnea’s Managed Payment Factory gives your organisation the outcomes of a world-class payment factory — without the infrastructure, the IT burden or the operational complexity of running it yourself. You consume outcomes, not infrastructure.
Managed Payment Factory
PaymentsApprovalsStatementsBanksAudit trail
46
Files received today
3
Awaiting approval
41
Sent to banks
0
Open exceptions
| Batch | Source | Account | Items | Value | Status |
|---|---|---|---|---|---|
| Salaries Oct 2026 | ERP | Payroll bank | 1,240 | R 18.6m | Awaiting 2nd approval |
| Supplier run 214 | AP system | Primary bank | 312 | R 7.9m | Sent to bank |
| Group treasury sweep | TMS | Primary bank | 4 | R 42.0m | Acknowledged |
| Customer refunds | Manual entry | Collections bank | 58 | R 0.3m | Acknowledged |
| Supplier run 213 | AP system | Primary bank | 287 | R 6.4m | Exception resolved |
ILLUSTRATIVE SCREEN · SAMPLE DATA
R1.24 trillion
in payment instructions facilitated a year
900,000+
payment files from major South African corporates
99.8%
platform uptime for mission-critical payments
6am–6pm
full support team, with 24/7 standby for critical incidents
Most treasury teams are unknowingly running a middleware business.
Multiple banks, multiple systems and growing pressure to move faster. The problem isn’t just the technology — it’s who manages it.
Payment factories used to be reserved for the largest corporates, because of the technology, specialist skills and cost involved. Managed by Omnea, any business can have one.
A Managed Payment Factory is the exit.
Six bank portals, every day
Different logins, passwords and physical dongles for each bank.
No consolidated view of cash
Payments originate in the ERP, the AP system and the treasury solution.
Costly bank connectivity
Each bank has its own method, format and maintenance burden.
Constant IT support
ERP payment customisation just to keep channels running.
Many business units
Every bank has different requirements, and standardising looks like a massive IT project.
Fraud exposure
No centralised controls, dual authorisation or consolidated audit trail.
Built for many entities, banks and approvers
Businesses with many legal entities, bank accounts and approval rules already run their bank payments, approvals and statements through Omnea, without logging in to a single bank portal.
Local and offshore banks
South African banks connected host to host, offshore banks through SWIFT, with statements from all of them in one format.
Approvals that match your signing rules
Approval rules set per entity and payment type, with dual authorisation on every release.
Cash and call accounts
One view of balances across banks, with funds moved to and from call accounts as part of the same workflow.
Live on the platform
Thousands of fund accounts, one set of controls
Asset managers use Omnea to run thousands of accounts and move money between fund accounts and call accounts across their banks.
Controlled supplier and salary payments
Corporates in mining, retail and other sectors use Omnea to make controlled supplier and salary payments.
Managed, not just middleware
We are your payments operations team — not just your technology vendor.
Underneath, the bank connections run on IBM Sterling enterprise integration technology, operated by our own team. How our integration works →
| Traditional middleware | Omnea Managed Payment Factory |
|---|---|
| You buy the licence and run the deployment | Omnea operates the full platform on your behalf |
| Your IT team builds and maintains every bank integration and format | Bank connections, formats and integrations are pre-built and maintained by Omnea |
| Separate portals, logins and dongles per bank | One login for every bank — or no login at all, straight from your ERP or TMS |
| Each bank connection negotiated, tested and certified separately | Go live faster on Omnea’s existing bank relationships |
| Payment-system and regulatory knowledge kept in-house | PASA System Operator with deep payments and banking expertise built in |
| No central fraud controls or audit trail | Dual authorisation, consolidated audit trail and real-time anomaly alerting |
| Exceptions land with your team | Omnea’s operations team monitors, resolves exceptions and keeps payments flowing |
Watched, not just sent. Our operations team follows every file in the Paylink Monitor, from receipt to the bank’s acknowledgement, and resolves exceptions before you have to ask.
A bank API is a connection. Omnea is the whole operation.
Connecting to one bank’s API is where the work starts, not where it ends. Every bank you add multiplies it — and everything around the connection is still yours to build and run.
Your banking footprint
Adjust to match your business.
Banks you use
4
Bank accounts
40
GOING DIRECT, YOU BUILD AND RUN
22capabilities around the connection, before the first bank
4API integrations to build and maintain
4security reviews and certifications
4sets of credentials and certificates to rotate
4status codes, error models and change notices
40account entitlements across bank profiles
4places to look for your cash position
ON OMNEA, YOU HAVE
22capabilities built in and operated for you
1integration, by API, file or both
1security review, on ISO 27001 infrastructure
1format and status model for every bank
1approval workflow and audit trail
1place to manage all 40 accounts
1consolidated view of cash
EVEN WITH ONE BANK
The connection is the smallest part of the job
A bank API moves an instruction. Everything below is what turns that into a payment operation your auditors, treasurer and payroll team can trust. With an API alone, you build all of it. With Omnea, it’s built, maintained and operated for you.
22
capabilities built around the connection
See all 22 capabilities
CONTROL AND SECURITY
Two-factor authentication for every user
Roles, permissions and segregation of duties
Signing mandates and approval rules by value and account
A full audit trail of every action
Duplicate detection and fraud alerts
Beneficiary sanction screening when payees are added or changed OPTIONAL · COMING SOON
PAYMENT PROCESSING
Payroll runs with restricted access to salary details
Supplier runs, with bulking and de-bulking of files
Account validation and data enrichment
Debit account allocation by your own rules
Scheduling around every bank’s cut-offs
Returns, rejections and unpaids handled
CASH AND LIQUIDITY
Statements delivered to every system that needs them
One cash view across accounts and entities
Moving funds to and from a call account
Reporting and payment analytics
COLLECTIONS
Debit orders, EFT and PayShap, through your own bank
ATM cash vouchers from your bank
OPERATIONS
Monitoring, retries and exception handling
Bank onboarding, testing and certification
Keeping up with bank API and ISO 20022 changes
Disaster recovery and 99.8% uptime
Support 6am–6pm, with 24/7 standby
BANK APIS AREN’T THE ALTERNATIVE — WE USE THEM
Get the benefit of bank APIs, without building to each one
Where a bank offers a strong API, Omnea connects to it for you. When the bank changes its API, or you add or switch a bank, your integration with Omnea stays exactly the same.
API OR FILE?
Use both — each where it’s strongest
API for
Real-time and single paymentsApps, checkouts and platformsInstant status and events
File for
Bulk payroll and supplier runsExports straight from your ERP — no codingBatch control totals and approval as a unitStore-and-forward if a bank is unavailableA complete, auditable record
Send by API or file, whichever suits each system. Omnea delivers to every bank in the way that bank handles best.
AN HONEST VIEW
When going direct makes sense
If you need a handful of real-time payments from one bank, and you’re prepared to build and run the security, approvals, monitoring and support yourself, a direct API can work.
For everyone else — even with a single bank — the connection is the smallest part of the job. And with several banks, many accounts or entities, payroll and bulk runs or payments from an ERP, every piece of it multiplies.
One service, the connection that suits you
Dedicated integration
Your own host-to-host connections to each of your banks, operated and maintained by Omnea. Built for high volumes, complex group structures and strict treasury controls.
Best for large corporates and treasuries
Shared integration
Your accounts linked to Omnea’s existing bank integration, with digital onboarding and consent letters handled for you. The same collections, payments and statements, without a connection project.
Best for mid-sized corporates and SMEs
Both options work by file, API or our web interface, and both run on your own bank accounts. With dedicated integration, you reconcile in your own systems, with statements from every bank delivered in one consistent format. With shared integration, reconciliation and reporting are done for you.
Everything your ERP doesn’t do
Bulk payments at scale
AP, AR and payroll, with bulking and de-bulking of imported files.
Format transformation
Bank-specific formats and ISO 20022, handled for you.
Real-time payments
Use real-time and immediate rails across your banks.
Workflow automation
Validation, enrichment, routing rules, notifications and status reporting.
Cash visibility
Statements delivered to every back-end system, across all accounts and entities.
Security and fraud controls
Dual authorisation, audit trail and anomaly alerting, on ISO 27001-certified infrastructure.
Your team works in the Paylink portal: payments, approvals, statements and audit responses across all your banks, under your own signing rules. See it in a live demo →
In most cases, the savings outweigh the service
No budget for a payment factory? We’ll help you model the return and present it internally.
01
Labour savings
Less manual effort across AP, AR, payroll and IT, with statements delivered straight into your reconciliation.
02
Lower ERP maintenance
Offload payment customisation and configuration entirely.
03
Standard bank connectivity
Many bank connections become one managed relationship.
04
Better bank fees
Negotiate with consolidated data and route to lower-cost rails.
05
Less fraud risk
One governed layer closes the gaps where fraud usually occurs.
Questions treasurers ask us
Our bank has an API. Why not integrate with it directly?
You can — for one bank. But each bank’s API is different, and the API only moves instructions. Approvals, exceptions, monitoring and statement delivery are still yours to build, for every bank. With Omnea it’s one integration, and the operation is run for you.
We already pay out of our ERP. Why do we need a payment factory?
ERPs are built for financial management, not payment operations. The Managed Payment Factory adds bulk facilitation, multi-bank routing and format transformation — and Omnea runs it, so your IT team doesn’t have to.
We have a strong relationship with one bank. Can’t they do this?
Your bank connects you to its own systems. Our Managed Payment Factory is bank-agnostic: one point of control across every bank you use today or add in future.
What happens if something goes wrong after hours?
Our full team is available 6am to 6pm, with 24/7 standby for critical incidents. We monitor every payment flow — and we act.
How does the Managed Payment Factory protect us against payment fraud?
Centralising payments removes fragmented workflows. It enforces dual authorisation, consolidates your audit trail and alerts on anomalous payments.
Ready to simplify? Start with a conversation.
Book a 30-minute discovery call — we’ll respond within one business day.
Prefer to read it later?Download the two-page Multi-bank payments brochure (PDF)