Launch payment methods in weeks, not years
Get card programs, account-to-account rails and bespoke propositions live in weeks.
Lower total cost of ownership
One consolidated real-time platform for all payment schemes, lowering cost of maintenance, integration, and operations.
Exceed your customers’ expectations
Provide instant settlement and rich transaction data to support an excellent customer experience.
Run on infrastructure that never fails
Operate through peak processing events with true 24/7 availability, elastic auto-scaling, and zero scheduled downtime.
Trusted by teams at leading financial institutions
A universal payments processing platform
Vault Payments runs every transaction rail on a single, unified platform, routing value across any geography, scheme, and asset class.
Our platform actively supports clients processing a wide array of global payment rails - including Mastercard, Fedwire, FedACH, TIPS, FPS, Bacs, and Visa DPS - with new rails continually being added. Beyond conventional card networks and account-to-account infrastructure, Vault Payments natively supports the next generation of real-time schemes, tokenized deposits, and stablecoins on a single, unified engine.
Built for high-volume, real-time payments
Vault Payments is built from scratch for continuous, high-throughput financial operations. By eliminating legacy end-of-day batch windows and manual clearing friction, the platform delivers the real-time foundation required for modern consumer and enterprise expectations.
Compliance and certification
Regulatory compliance as configuration ensures that rule updates can be implemented and deployed quickly and independently without having to wait for yearly platform updates. The platform is rigorously audited and certified by independent third parties:
Proven delivery across deployment models
Thought Machine holds an industry-leading track record of flawless delivery across every type of payment transformation programme. We fit into your strategy through three flexible deployment models:
Unified Thought Machine stack
Deploys natively with Vault Core to orchestrate the end-to-end payment lifecycle from core ledger to scheme, creating advanced hyper-personalised products like native buy now pay later and e-wallets.
Coexistence / standalone
Integrates alongside your core banking system or external ledgers and with existing payment solutions to modernise payment routing with reduced risk.
Greenfield
Launches a new digital payment service provider (PSP), card issuance program (debit, credit, prepaid), or standalone instant clearing service completely free from vendor constraints.
Engineered for control: four-level architecture
Traditional systems entangle source channels, financial logic, and clearing networks into a rigid monolith. Vault Payments introduces a simplified architecture that cleanly decouples processing from execution.
The Infrastructure Level
Handles persistence, performance, reliability, security, observability, auditability, and shared services.
The Universal Payments Engine
Provides shared payments services (mandates, standing orders, scheduling and warehousing, routing, account selection, file operations, card issuing, UI, and Rest/Streaming APIs).
The Configuration Level
Bank operations are deployed entirely as configurations (payment processing flows, rules, parameters, payment initiation and repair, dashboards, bulking/debulking files, and message transformation).
Payment System Integrations
Each payment scheme mandates its own connectivity protocols (whether modern cloud-accessible APIs or on-prem dedicated hardware and software).
