Validating Cloud-Native Platforms for ACH and Real-Time Payments
A bank needed to evaluate a cloud-native payments platform that could streamline ACH and real-time payment processing through unified APIs, efficient orchestration, and scalable infrastructure - ensuring compliance, resilience, and reduced dependency on legacy systems.
Outcomes
<3s
Processing Time Reduced
60%
API Latency Improvement
>40%
Legacy System Dependency Decreased
0%
Production Data Exposed
Technology Vendors Suited to Evaluation
Business Problem
The bank’s payment infrastructure was constrained by legacy ACH systems and fragmented real-time payment initiatives, resulting in delays, inefficiencies, and limited visibility across transactions. Multiple point solutions created integration complexity, inconsistent SLAs, and rising operational costs.
The bank needed a unified, cloud-native platform to modernise payment processing, improve transparency, and enable real-time capabilities at scale.
Challenges
- Legacy Constraints: ACH processing delays, batch-based systems, and siloed RTP efforts limited real-time capabilities.
- Poor Visibility & Control: Limited transparency over payment statuses, causing operational inefficiencies.
- High Vendor Fragmentation: Multiple point solutions led to increased costs and inconsistent SLAs.
From Idea to Evidence with NayaOne
The bank conducted a four-week PoC to validate a cloud-native platform’s ability to modernise its ACH and real-time payment capabilities.
- Simulated Payment Flows: Tested ACH and RTP transactions in a secure sandbox using synthetic and anonymised data to ensure safety and compliance.
- API Integration Testing: Evaluated payment API performance, uptime, and message standardisation across multiple channels.
- Unified API Layer Implementation: Connected ACH, RTP, and wire payments through a single API framework to streamline orchestration.
- Real-Time Processing Validation: Measured posting speed, confirmation latency, and message integrity in near real-time conditions.
- Resiliency Testing: Simulated network and node failures to validate retry logic, fault tolerance, and system stability under load.
The PoC provided measurable evidence of the platform’s ability to support real-time, compliant payment processing while reducing operational risk and dependency on legacy infrastructure.
Impact Metrics
PoC Timeline Reduction
4 weeks with NayaOne vs 12 – 18 months traditionally
Time Saved in Vendor Evaluation
1+ year
Decision Quality
The bank gained hard evidence on detection accuracy, speed, and integration fit - enabling a data-driven vendor choice and faster approval across risk and procurement.
KPIs
- Payment Processing Time (seconds): Average time from initiation to confirmation for ACH and RTP transactions.
- System Uptime (%): Availability of payment APIs under test conditions.
- Message Confirmation Latency (ms): Time taken for confirmation receipt across networks.
- Error Rate (%): Frequency of failed or delayed payments across test scenarios.
- Throughput (transactions/sec): Volume of concurrent transactions handled under load.
- Integration Time (days): Time required to onboard and validate new payment APIs.
- Operational Cost Reduction (%): Efficiency gains from consolidating multiple payment systems into a unified API layer.
Validate Real-Time Payment Infrastructure Before Going Live
Use NayaOne’s secure sandbox to test ACH and RTP platforms with synthetic data, measure latency, resiliency, and API performance, and gain evidence of readiness before production deployment.
