Vynamic Payments from Diebold Nixdorf

An end-to-end payments platform that handles payment processing, switching, and routing for financial institutions. Supports multiple payment types, channels, and enables real-time processing.

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Product analysis by function

Payment Operations Systems for Operations

Solutions for processing, clearing, and settling various types of payments efficiently and accurately.
More Payment Operations Systems More Operations ...

Core Payment Processing
(13 Yes /13 Known /15 Possible features)

Security and Compliance
(10 Yes /10 Known /15 Possible features)

Integration and Connectivity
(9 Yes /9 Known /15 Possible features)

User Interface and Experience
(11 Yes /11 Known /15 Possible features)

Payment Types and Channels Supported
(11 Yes /11 Known /15 Possible features)

Operational Controls and Monitoring
(4 Yes /4 Known /15 Possible features)

Reporting and Analytics
(3 Yes /3 Known /15 Possible features)

Customization and Configurability
(0 Yes /0 Known /15 Possible features)

Scalability and Performance
(6 Yes /6 Known /15 Possible features)

Deployment, Maintenance and Support
(8 Yes /8 Known /15 Possible features)

Customer and Bank Relationship Management
(2 Yes /2 Known /15 Possible features)

Innovation and Future-proofing
(0 Yes /0 Known /15 Possible features)

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Real-time Processing Ability to process and settle payments instantly.		Marketing and documentation emphasize 'real-time payment processing' for multiple payment rails.
Batch Processing Supports scheduled group processing of payments.		Platform supports both real-time and batch payment processing as stated in product sheets.
Multi-currency Support Handles transactions in different currencies.		Multi-currency transactions are listed among the core supported capabilities.
High Transaction Throughput Maximum number of payment transactions processed per second.		No information available
Automated Reconciliation System automatically matches incoming and outgoing payments with records.		Automated reconciliation is described in product guides as a built-in feature.
Payment Limits Configurable maximum and minimum amount per transaction.		Configurable payment limits (min/max) shown in admin UI screenshots and configurator.
Duplicate Payment Detection Identifies and prevents the execution of duplicate payments.		Duplicate payment detection and prevention is mentioned in solution overview.
STP (Straight Through Processing) Payments pass from initiation to settlement without manual intervention.		'Straight Through Processing' listed as a core product advantage.
Multi-bank Settlement Supports payments to or from accounts at multiple banks.		'Multi-bank settlement' is cited as a feature for cross-institution support.
Fee Calculation Engine Automated calculation and deduction of transaction fees.		Fee calculation engine and flexible fee setup referenced in documentation.
ISO 20022 Compliance Supports new messaging standards for international and domestic payments.		Product documentation references support for ISO 20022 messaging standards.
Failover and Redundancy Inbuilt mechanisms for high-availability and disaster recovery.		High-availability and disaster recovery built into the architecture (system design section).
Transaction Rollback Ability to revert both sides of a payment in case of errors.		Transaction rollback in case of errors described as available in system components.
Automated Fees & Charges Deduction System can automatically calculate and deduct charges and fees per payment.		Automated fee deduction mentioned in documentation and customer references.
End-of-Day Processing Speed Speed at which EOD payment batches and postings are processed.		No information available

Multi-factor Authentication Requires multiple forms of verification for user/system access.		Multi-factor authentication called out under platform security features.
Data Encryption Encryption of payment data at rest and in transit.		Data encryption at rest and in transit mentioned as a compliance and security standard.
Role-Based Access Control (RBAC) Users are provided access only to necessary features based on their role.		RBAC described in user/role management capabilities.
Audit Trail Logs all user and system actions for compliance and review.		Audit trail for all user/system actions highlighted in compliance and security documentation.
PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards.		PCI DSS compliance certified according to product and company compliance statements.
AML Screening Automatic screening of payments and parties against global AML lists.		Platform states support for AML screening via integration and configuration.
Fraud Detection Engine System detects and flags suspicious or fraudulent transactions.		Fraud detection engine is marketed as part of security stack.
Sanctions List Filtering Payment instructions screened against up-to-date sanctions lists.		Sanctions list filtering for compliance is supported according to technical brief.
User Activity Monitoring Real-time monitoring of user actions for unusual behavior.		Real-time monitoring of user actions and fraud detection available.
Incident Response Integration Integrates with incident management for prompt investigation.		No information available
Data Masking Sensitive data is masked from unauthorized users.		No information available
Automated Regulatory Reporting Payment data formatted and sent to regulators as required.		No information available
Configurable Fraud Rules Bank can set or modify parameters for automatic fraud detection.		Configurable fraud rules described as part of fraud management module.
Tokenization Support Sensitive payment data is replaced with non-sensitive tokens.		No information available
Transaction Time-out Automatic cancellation of incomplete or suspicious payment transactions.		No information available

API Availability Developers can access payment functions via documented APIs.		API access is called out as a key integration feature (developer documentation).
Webhooks/Callbacks Real-time notifications sent to external systems on payment events.		Interfacing via webhooks/callbacks for event notification described in API docs.
Core Banking Integration Direct and seamless integration with core banking platforms.		Core banking integration with major banking platforms is a central advertised capability.
Third-party Payment Gateway Support Connects with external payment gateways/processors.		Supports third-party payment gateways (integrations such as card acquirers, PSPs, SWIFT, etc.).
Open Banking (PSD2) Support Supports open banking protocols for API-based data exchange.		No information available
File Import/Export Upload or download bulk payment instructions in standard formats.		Bulk file import/export features for payment processing supported.
SWIFT Connectivity Secure integration with SWIFT for cross-border payments.		SWIFT connectivity supported for cross-border transactions (covered in product description).
Instant Payment Network Access Participates in real-time payment networks (e.g., RTP, Faster Payments).		Participates in instant payment networks as part of support for real-time payments.
SOAP and RESTful Services Supports both SOAP and REST API standards for interfacing.		No information available
Integration Middleware Support Works with standard integration brokers and ESBs.		No information available
SFTP/FTP Interface Supports secure batch file transfer with partners or corporate clients.		SFTP/FTP batch file interfaces mentioned for partner and corporate bank clients.
Customizable Data Mapping Bank can map/transform incoming and outgoing messages/fields.		No information available
Cloud Platform Integration Works with major cloud providers for deployment and integration.		Cloud integration and deployment support described in recent platform updates.
API Rate Limit Maximum number of API requests per second the system can handle.		No information available
Latency to Core Banking System Average time for payment transaction to reflect in core system.		No information available

Web-based Dashboard Centralized graphical UI to monitor and manage payments.		Web-based dashboard for management and monitoring highlighted in UI overview.
Customizable User Roles Configure access and permissions for each user type.		Custom user roles and flexible permission management built into admin tools.
Self-Service Payment Initiation Clients and internal users can initiate payments on their own.		Both clients and internal users can initiate payments via dashboard or APIs.
Mobile App Support Payments can be created/approved via mobile devices.		Mobile-optimized UI and mobile approvals in platform roadmap/documentation.
Bulk Payment Upload Upload multiple payment instructions in one action.		Allows upload of bulk payment instructions in one action.
Live Payment Tracker Monitor statuses of payments in real-time.		Real-time payment tracking and status updated through the UI and API.
Language Localization User interface available in multiple languages.		Supports UI language localization for different geographies and languages.
Accessibility Features Complies with accessibility (e.g., WCAG) standards for users with disabilities.		No information available
Search and Filter Tools Advanced search, filter, and reporting on payment history.		Advanced search/filter/reporting are foundation features for operational efficiency.
Payment Confirmation to Customer Provides confirmation or receipt to customers after payment is completed.		Confirmation/receipt provided via API or UI, as stated in payment flows.
Custom Fields and Templates Create and use custom fields or templates for different payment types.		Supports custom payment templates and fields, especially for corporates.
Multi-factor Authentication to UI UI access requires more than one method of authentication.		No information available
Customizable Theme/Branding UI can be branded with bank logo and colors.		Branding customization (logo, colors, themes) available for banks and FIs.
Concurrent UI Users Number of users who can access the interface simultaneously.		No information available
User Session Timeout Automatic logout after a period of inactivity.		No information available

ACH/SEPA Payments Supports initiation and settlement of ACH or SEPA transfers.		Platform supports ACH and SEPA network integration (US/EU), cited in specs.
Wire Transfers (SWIFT) Supports sending and receiving wire transfers over SWIFT.		Wire transfer (SWIFT) support detailed in product features.
Instant/Real-Time Payments Handles instant payment rails (e.g., RTP, Faster Payments).		Handles instant and real-time payments as a strategic capability.
Domestic and International Payments Supports payments within and outside the country.		Supports both domestic and cross-border international payments.
Card Payment Processing Can process credit/debit card-based payments.		Credit/debit card acquiring and processing supported.
Digital Wallet Integration Supports sending/receiving to/from digital wallets.		Digital wallet payments (e.g. Apple Pay, Google Pay) supported.
Cheque Processing Handles paper-based transaction types such as cheques.		No information available
Bill Payment Allows bank clients to pay bills to merchants/utilities.		Allows institutional clients to pay bills via connected merchants.
P2P Payments Supports person-to-person/peer-to-peer payments.		Peer-to-peer (P2P) payment support is listed for consumer channels.
Contactless Payments Supports NFC or QR-based payment methods.		Accepts NFC/QR-based contactless payment methods (POS/merchant section).
Recurring Payment Scheduling Allows setup and management of scheduled/recurring payments.		Recurring payment scheduling referenced for both consumer and commercial modules.
Request for Payment (RFP) Supports functionality to send requests for payment to payors.		No information available
Bulk/Batch Payment Support System supports handling bulk payment files and transactions.		Bulk and batch payment functions are a core feature, especially for corporate clients.
Utility/Tax Payments Handles specific workflow for utility and tax payment processing.		No information available
Limit on Payment Channels Total number of distinct payment channels supported.		No information available

Payment Queue Management Manage, prioritize, and manually intervene in payment queues.		Payment queue prioritization and manual intervention described in platform features.
Automated Alerts/Notifications System generates real-time alerts for payment failures or exceptions.		Automated alerts and notifications for exceptions/failures referenced.
System Health Dashboard Graphical representation of payment engine and infrastructure status.		No information available
Transaction Latency Monitoring Monitors time from initiation to completion for payments.		No information available
Capacity Scaling Automated or manual resource scaling for load spikes.		Automatic/manual scaling detailed in technical architecture descriptions.
Manual Override/Intervention Authorized users can halt, re-route, or escalate payments manually.		Manual override and intervention for operations team included in control features.
Exception Handling Workflow Automated and manual workflows for exception and error management.		No information available
SLA Enforcement and Tracking Monitors and enforces service level agreements for payments.		No information available
Processing Uptime Percentage of time the system is fully operational.		No information available
Error Rate Average number of failed or rejected payments per 1,000.		No information available
Real-time Payment Volume Monitoring Tracks total number of payments in process at any moment.		No information available
Processing Backlog Visibility Ability to view, report, and clear backlogged payment transactions.		No information available
Automated Retry for Failed Payments System automatically re-attempts failed payments.		No information available
Escalation Workflow Workflow for routing high-priority or stuck payments to operations staff.		No information available
Aggregated Processing Reports System generates periodic summaries of all payment operations.		No information available

Real-time Reporting Instant reports on payment status, volume, and exceptions.		Real-time reporting, dashboards, and payment analytic modules available.
Custom Report Builder Configurable tool for designing custom reports on payments.		Custom report builder described in analytics section.
Regulatory Reporting Templates Pre-built templates for required compliance/regulatory reporting.		No information available
Drill-down Analytics Ability to explore data from high-level to transaction details.		No information available
Payment Trend Analysis System provides analytics to identify payment usage patterns/trends.		No information available
Exception Reporting Automatic reporting of failed, rejected, or exception events.		No information available
Daily Summaries Automatic creation of day-end summaries of payment activities.		No information available
Custom Export Formats Exports reports in multiple common data formats (CSV, XLS, XML).		No information available
Dashboards for KPIs Interactive dashboards for key payment and processing metrics.		No information available
Scheduled Report Delivery Automated generation and delivery of reports to stakeholders.		No information available
Performance Benchmarking Analyzes payment system performance against defined benchmarks.		No information available
Access-controlled Reports Limits report visibility based on user roles and permissions.		Role/permission control for reports as part of RBAC/UI module.
Real-time Exception Notifications Notifies users of anomalies or exceptions as they occur.		No information available
Maximum Reporting Volume Maximum number of transactions supported in a single report.		No information available
Archival Reporting History Duration historic transaction and reporting data is retained.		No information available

Custom Workflow Configuration Business users can define and change payment process workflow.		No information available
Rule-based Routing Payments can be routed based on configurable criteria.		No information available
Custom Alerts/Notifications Configure custom event-based notifications to users.		No information available
Custom Payment Fields Banks can add custom metadata fields to transactions.		No information available
UI Customization Change interface layout, colors, or branding.		No information available
Configurable Payment Validation Rules Ability to define specific rules for payment validation and approval.		No information available
Role and Permission Editor Create and manage custom user roles and their access permissions.		No information available
Business Hours Configuration Define bank or processing hours for payment handling.		No information available
Language/Locale Settings Support for selecting operational language and regional formats.		No information available
Multi-entity/Multi-branch Support System can be configured for multiple legal entities or branches.		No information available
Customizable Logging Levels Adjust the level of transaction and system logging.		No information available
Custom Batch Cut-off Times Define when batch payment processing cut-off occurs.		No information available
Payment Template Management Setup and manage templates for regularly used payment types.		No information available
UI Language Pack Number of supported languages for UI customization.		No information available
Maximum Custom Rules Maximum number of custom validation or routing rules.		No information available

Horizontal Scaling Capability System can scale by adding more servers/nodes.		Platform supports horizontal scaling as per enterprise deployment models.
Vertical Scaling Capability System can use more resources on a single machine.		Vertical scaling (resource expansion) in private/on-premise/cloud described.
Peak TPS (Transactions per Second) Maximum number of transactions handled at peak workload.		No information available
Maximum Concurrent Users Total number of users who can operate simultaneously.		No information available
Automatic Load Balancing Distributes payment processing across multiple systems for efficiency.		Automatic load balancing reported in technical documentation.
Disaster Recovery RTO Recovery time objective after a disaster.		No information available
Disaster Recovery RPO Maximum acceptable data loss (recovery point objective).		No information available
Geographic Failover Support System can fail over between data centers in different locations.		Geographic failover option available for global FIs—'active-active' or 'active-passive'.
Elastic Scaling Automatic scaling up/down with changing workload.		Elastic/auto-scaling supported as part of cloud deployment.
Resource Utilization Monitoring System monitors use of compute, memory, and storage resources.		No information available
Transaction Processing Latency Average time to process an individual payment.		No information available
Maximum Payments per Day The upper limit on daily payment volume supported.		No information available
Cold Start Time Time taken for system to become operational from shutdown.		No information available
Scalable Data Storage Underlying data storage can grow as transaction volumes increase.		Storage scalability highlighted for large/global payment operations.
High-availability (HA) Uptime SLA Guaranteed uptime according to SLA.		No information available

Cloud Deployment Option Can be deployed in a private or public cloud environment.		Cloud deployment is available per official product web site.
On-premise Deployment Option Can be run within bank’s own data centers.		On-premise deployment supported for clients with regulatory or preference needs.
Hybrid Deployment Model Supports operation across cloud and on-premise systems.		Hybrid cloud/on-premise architecture is possible for phased or flexible deployments.
Automated Software Updates Supports regular, automated updates with minimal downtime.		Automated patching, upgrade, and maintenance supported according to documents.
24/7 Vendor Support Offers round-the-clock technical support.		24/7 vendor and customer support is described in product SLA.
Knowledge Base / Documentation Accessible and detailed product documentation for teams.		Comprehensive knowledge base and product documentation cited on vendor site.
System Self-Diagnostics The platform can self-assess and alert for errors/maintenance.		No information available
Automated Backup and Restore Enables scheduled backup and rapid restore of all critical data.		Automated backup/restore processes documented.
Sandbox/Test Environment Can deploy a full-featured sandbox environment for testing.		Sandbox/test environments specifically mentioned as available for partners and banks.
Hot Patching Capability Critical patches or fixes can be installed without system downtime.		No information available
Issue Tracking and Ticketing Integration Integrates with issue/ticket management solutions.		No information available
Maintenance Window Configuration Flexible scheduling of system maintenance with notifications.		No information available
Service Monitoring API APIs for external monitoring solutions to check system status.		No information available
Automated Scaling Policies Rules for automated resource allocation during maintenance or load spikes.		No information available
Maximum Patches per Year Number of critical patches/upgrades required or supported annually.		No information available

Integrated Onboarding Workflows Guided onboarding for new payment customers or partners.		Integrated onboarding for B2B and bank clients highlighted in product outline.
KYC Integration Integration with Know Your Customer processes and checks.		KYC process integration described for onboarding/compliance.
Automated Customer Notifications Automatic status alerts/receipts to payers and beneficiaries.		No information available
Custom Payment Descriptions Ability to provide custom messages or invoice references.		No information available
Beneficiary Management Manage, validate, and store beneficiary account information.		No information available
White-labeling Support System can be branded and customized for partners or clients.		No information available
Customer Support Integration Integrates with ticketing or CRM systems for issue management.		No information available
Self-service Payment Status Customers can check the real-time status of their payments online.		No information available
Automated Fee Disclosure Discloses all fees to customers during payment initiation.		No information available
Customer Feedback Collection System incorporates surveys or feedback channels on payment experience.		No information available
Bulk Beneficiary Upload Enables upload and management of multiple beneficiaries at once.		No information available
Multilingual Customer Communication Supports communication in multiple customer-preferred languages.		No information available
Customer Data Retention Policy Configurable length of payment and relationship data retention.		No information available
Customer Payment Templates Enables customers to create and use templates for frequent payments.		No information available
Limits per Customer Account Customizable transaction or volume limits per account.		No information available

API-first Architecture System design ensures all functions are exposed as APIs.		No information available
AI/ML-driven Fraud Detection Uses machine learning to detect evolving payment fraud patterns.		No information available
Blockchain/Ripple Integration Supports distributed ledger/payment rail connectivity.		No information available
Crypto Payment Support Can initiate, receive, or settle cryptocurrencies.		No information available
Regulatory Sandbox Support Can be used in regulatory test environments for payment innovation.		No information available
Support for Digital Identity Integrates with digital identity standards for payment initiation.		No information available
Continuous Deployment Pipeline DevOps pipeline for rapid delivery of new features.		No information available
Pluggable Payment Rails System supports adding new payment networks/rails with minimal effort.		No information available
Open API Developer Portal Portal for third parties and fintechs to build on payment APIs.		No information available
Sandbox Transaction Capacity Number of test transactions supported in sandbox.		No information available
Third-party App Ecosystem Supports plug-in third-party or marketplace applications.		No information available
Smart Contract Support Can trigger payments or settlements by smart contract.		No information available
Support for IoT Payments Handles payments initiated by IoT-connected devices.		No information available
API Versioning Control Supports releasing and maintaining multiple API versions.		No information available
Innovation Roadmap Release Frequency Planned new feature releases per year.		No information available

Vynamic Payments from Diebold Nixdorf

Product analysis by function

Payment Operations Systems for Operations

Core Payment Processing (13 Yes /13 Known /15 Possible features)

Security and Compliance (10 Yes /10 Known /15 Possible features)

Integration and Connectivity (9 Yes /9 Known /15 Possible features)

User Interface and Experience (11 Yes /11 Known /15 Possible features)

Payment Types and Channels Supported (11 Yes /11 Known /15 Possible features)

Operational Controls and Monitoring (4 Yes /4 Known /15 Possible features)

Reporting and Analytics (3 Yes /3 Known /15 Possible features)

Customization and Configurability (0 Yes /0 Known /15 Possible features)

Scalability and Performance (6 Yes /6 Known /15 Possible features)

Deployment, Maintenance and Support (8 Yes /8 Known /15 Possible features)

Customer and Bank Relationship Management (2 Yes /2 Known /15 Possible features)

Innovation and Future-proofing (0 Yes /0 Known /15 Possible features)