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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.
Product analysis by function
Payment Operations Systems for Operations
Solutions for processing, clearing, and settling various types of payments efficiently and accurately.
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Core Payment Processing
(13 Yes /13 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. | |
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Batch Processing Supports scheduled group processing of payments. |
Platform supports both real-time and batch payment processing as stated in product sheets. | |
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Multi-currency Support Handles transactions in different currencies. |
Multi-currency transactions are listed among the core supported capabilities. | |
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High Transaction Throughput Maximum number of payment transactions processed per second. |
No information available | |
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Automated Reconciliation System automatically matches incoming and outgoing payments with records. |
Automated reconciliation is described in product guides as a built-in feature. | |
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Payment Limits Configurable maximum and minimum amount per transaction. |
Configurable payment limits (min/max) shown in admin UI screenshots and configurator. | |
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Duplicate Payment Detection Identifies and prevents the execution of duplicate payments. |
Duplicate payment detection and prevention is mentioned in solution overview. | |
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STP (Straight Through Processing) Payments pass from initiation to settlement without manual intervention. |
'Straight Through Processing' listed as a core product advantage. | |
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Multi-bank Settlement Supports payments to or from accounts at multiple banks. |
'Multi-bank settlement' is cited as a feature for cross-institution support. | |
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Fee Calculation Engine Automated calculation and deduction of transaction fees. |
Fee calculation engine and flexible fee setup referenced in documentation. | |
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ISO 20022 Compliance Supports new messaging standards for international and domestic payments. |
Product documentation references support for ISO 20022 messaging standards. | |
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Failover and Redundancy Inbuilt mechanisms for high-availability and disaster recovery. |
High-availability and disaster recovery built into the architecture (system design section). | |
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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. | |
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Automated Fees & Charges Deduction System can automatically calculate and deduct charges and fees per payment. |
Automated fee deduction mentioned in documentation and customer references. | |
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End-of-Day Processing Speed Speed at which EOD payment batches and postings are processed. |
No information available |
Security and Compliance
(10 Yes /10 Known /15 Possible features)
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Multi-factor Authentication Requires multiple forms of verification for user/system access. |
Multi-factor authentication called out under platform security features. | |
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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. | |
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Role-Based Access Control (RBAC) Users are provided access only to necessary features based on their role. |
RBAC described in user/role management capabilities. | |
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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. | |
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PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards. |
PCI DSS compliance certified according to product and company compliance statements. | |
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AML Screening Automatic screening of payments and parties against global AML lists. |
Platform states support for AML screening via integration and configuration. | |
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Fraud Detection Engine System detects and flags suspicious or fraudulent transactions. |
Fraud detection engine is marketed as part of security stack. | |
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Sanctions List Filtering Payment instructions screened against up-to-date sanctions lists. |
Sanctions list filtering for compliance is supported according to technical brief. | |
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User Activity Monitoring Real-time monitoring of user actions for unusual behavior. |
Real-time monitoring of user actions and fraud detection available. | |
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Incident Response Integration Integrates with incident management for prompt investigation. |
No information available | |
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Data Masking Sensitive data is masked from unauthorized users. |
No information available | |
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Automated Regulatory Reporting Payment data formatted and sent to regulators as required. |
No information available | |
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Configurable Fraud Rules Bank can set or modify parameters for automatic fraud detection. |
Configurable fraud rules described as part of fraud management module. | |
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Tokenization Support Sensitive payment data is replaced with non-sensitive tokens. |
No information available | |
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Transaction Time-out Automatic cancellation of incomplete or suspicious payment transactions. |
No information available |
Integration and Connectivity
(9 Yes /9 Known /15 Possible features)
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API Availability Developers can access payment functions via documented APIs. |
API access is called out as a key integration feature (developer documentation). | |
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Webhooks/Callbacks Real-time notifications sent to external systems on payment events. |
Interfacing via webhooks/callbacks for event notification described in API docs. | |
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Core Banking Integration Direct and seamless integration with core banking platforms. |
Core banking integration with major banking platforms is a central advertised capability. | |
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Third-party Payment Gateway Support Connects with external payment gateways/processors. |
Supports third-party payment gateways (integrations such as card acquirers, PSPs, SWIFT, etc.). | |
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Open Banking (PSD2) Support Supports open banking protocols for API-based data exchange. |
No information available | |
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File Import/Export Upload or download bulk payment instructions in standard formats. |
Bulk file import/export features for payment processing supported. | |
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SWIFT Connectivity Secure integration with SWIFT for cross-border payments. |
SWIFT connectivity supported for cross-border transactions (covered in product description). | |
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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. | |
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SOAP and RESTful Services Supports both SOAP and REST API standards for interfacing. |
No information available | |
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Integration Middleware Support Works with standard integration brokers and ESBs. |
No information available | |
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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. | |
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Customizable Data Mapping Bank can map/transform incoming and outgoing messages/fields. |
No information available | |
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Cloud Platform Integration Works with major cloud providers for deployment and integration. |
Cloud integration and deployment support described in recent platform updates. | |
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API Rate Limit Maximum number of API requests per second the system can handle. |
No information available | |
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Latency to Core Banking System Average time for payment transaction to reflect in core system. |
No information available |
User Interface and Experience
(11 Yes /11 Known /15 Possible features)
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Web-based Dashboard Centralized graphical UI to monitor and manage payments. |
Web-based dashboard for management and monitoring highlighted in UI overview. | |
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Customizable User Roles Configure access and permissions for each user type. |
Custom user roles and flexible permission management built into admin tools. | |
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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. | |
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Mobile App Support Payments can be created/approved via mobile devices. |
Mobile-optimized UI and mobile approvals in platform roadmap/documentation. | |
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Bulk Payment Upload Upload multiple payment instructions in one action. |
Allows upload of bulk payment instructions in one action. | |
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Live Payment Tracker Monitor statuses of payments in real-time. |
Real-time payment tracking and status updated through the UI and API. | |
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Language Localization User interface available in multiple languages. |
Supports UI language localization for different geographies and languages. | |
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Accessibility Features Complies with accessibility (e.g., WCAG) standards for users with disabilities. |
No information available | |
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Search and Filter Tools Advanced search, filter, and reporting on payment history. |
Advanced search/filter/reporting are foundation features for operational efficiency. | |
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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. | |
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Custom Fields and Templates Create and use custom fields or templates for different payment types. |
Supports custom payment templates and fields, especially for corporates. | |
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Multi-factor Authentication to UI UI access requires more than one method of authentication. |
No information available | |
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Customizable Theme/Branding UI can be branded with bank logo and colors. |
Branding customization (logo, colors, themes) available for banks and FIs. | |
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Concurrent UI Users Number of users who can access the interface simultaneously. |
No information available | |
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User Session Timeout Automatic logout after a period of inactivity. |
No information available |
Payment Types and Channels Supported
(11 Yes /11 Known /15 Possible features)
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ACH/SEPA Payments Supports initiation and settlement of ACH or SEPA transfers. |
Platform supports ACH and SEPA network integration (US/EU), cited in specs. | |
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Wire Transfers (SWIFT) Supports sending and receiving wire transfers over SWIFT. |
Wire transfer (SWIFT) support detailed in product features. | |
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Instant/Real-Time Payments Handles instant payment rails (e.g., RTP, Faster Payments). |
Handles instant and real-time payments as a strategic capability. | |
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Domestic and International Payments Supports payments within and outside the country. |
Supports both domestic and cross-border international payments. | |
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Card Payment Processing Can process credit/debit card-based payments. |
Credit/debit card acquiring and processing supported. | |
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Digital Wallet Integration Supports sending/receiving to/from digital wallets. |
Digital wallet payments (e.g. Apple Pay, Google Pay) supported. | |
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Cheque Processing Handles paper-based transaction types such as cheques. |
No information available | |
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Bill Payment Allows bank clients to pay bills to merchants/utilities. |
Allows institutional clients to pay bills via connected merchants. | |
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P2P Payments Supports person-to-person/peer-to-peer payments. |
Peer-to-peer (P2P) payment support is listed for consumer channels. | |
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Contactless Payments Supports NFC or QR-based payment methods. |
Accepts NFC/QR-based contactless payment methods (POS/merchant section). | |
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Recurring Payment Scheduling Allows setup and management of scheduled/recurring payments. |
Recurring payment scheduling referenced for both consumer and commercial modules. | |
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Request for Payment (RFP) Supports functionality to send requests for payment to payors. |
No information available | |
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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. | |
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Utility/Tax Payments Handles specific workflow for utility and tax payment processing. |
No information available | |
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Limit on Payment Channels Total number of distinct payment channels supported. |
No information available |
Operational Controls and Monitoring
(4 Yes /4 Known /15 Possible features)
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Payment Queue Management Manage, prioritize, and manually intervene in payment queues. |
Payment queue prioritization and manual intervention described in platform features. | |
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Automated Alerts/Notifications System generates real-time alerts for payment failures or exceptions. |
Automated alerts and notifications for exceptions/failures referenced. | |
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System Health Dashboard Graphical representation of payment engine and infrastructure status. |
. | No information available |
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Transaction Latency Monitoring Monitors time from initiation to completion for payments. |
. | No information available |
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Capacity Scaling Automated or manual resource scaling for load spikes. |
Automatic/manual scaling detailed in technical architecture descriptions. | |
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Manual Override/Intervention Authorized users can halt, re-route, or escalate payments manually. |
Manual override and intervention for operations team included in control features. | |
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Exception Handling Workflow Automated and manual workflows for exception and error management. |
. | No information available |
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SLA Enforcement and Tracking Monitors and enforces service level agreements for payments. |
. | No information available |
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Processing Uptime Percentage of time the system is fully operational. |
. | No information available |
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Error Rate Average number of failed or rejected payments per 1,000. |
. | No information available |
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Real-time Payment Volume Monitoring Tracks total number of payments in process at any moment. |
. | No information available |
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Processing Backlog Visibility Ability to view, report, and clear backlogged payment transactions. |
. | No information available |
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Automated Retry for Failed Payments System automatically re-attempts failed payments. |
. | No information available |
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Escalation Workflow Workflow for routing high-priority or stuck payments to operations staff. |
. | No information available |
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Aggregated Processing Reports System generates periodic summaries of all payment operations. |
. | No information available |
Reporting and Analytics
(3 Yes /3 Known /15 Possible features)
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Real-time Reporting Instant reports on payment status, volume, and exceptions. |
Real-time reporting, dashboards, and payment analytic modules available. | |
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Custom Report Builder Configurable tool for designing custom reports on payments. |
Custom report builder described in analytics section. | |
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Regulatory Reporting Templates Pre-built templates for required compliance/regulatory reporting. |
. | No information available |
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Drill-down Analytics Ability to explore data from high-level to transaction details. |
. | No information available |
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Payment Trend Analysis System provides analytics to identify payment usage patterns/trends. |
. | No information available |
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Exception Reporting Automatic reporting of failed, rejected, or exception events. |
. | No information available |
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Daily Summaries Automatic creation of day-end summaries of payment activities. |
. | No information available |
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Custom Export Formats Exports reports in multiple common data formats (CSV, XLS, XML). |
. | No information available |
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Dashboards for KPIs Interactive dashboards for key payment and processing metrics. |
. | No information available |
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Scheduled Report Delivery Automated generation and delivery of reports to stakeholders. |
. | No information available |
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Performance Benchmarking Analyzes payment system performance against defined benchmarks. |
. | No information available |
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Access-controlled Reports Limits report visibility based on user roles and permissions. |
Role/permission control for reports as part of RBAC/UI module. | |
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Real-time Exception Notifications Notifies users of anomalies or exceptions as they occur. |
. | No information available |
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Maximum Reporting Volume Maximum number of transactions supported in a single report. |
. | No information available |
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Archival Reporting History Duration historic transaction and reporting data is retained. |
. | No information available |
Customization and Configurability
(0 Yes /0 Known /15 Possible features)
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Custom Workflow Configuration Business users can define and change payment process workflow. |
. | No information available |
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Rule-based Routing Payments can be routed based on configurable criteria. |
. | No information available |
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Custom Alerts/Notifications Configure custom event-based notifications to users. |
. | No information available |
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Custom Payment Fields Banks can add custom metadata fields to transactions. |
. | No information available |
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UI Customization Change interface layout, colors, or branding. |
. | No information available |
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Configurable Payment Validation Rules Ability to define specific rules for payment validation and approval. |
. | No information available |
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Role and Permission Editor Create and manage custom user roles and their access permissions. |
. | No information available |
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Business Hours Configuration Define bank or processing hours for payment handling. |
. | No information available |
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Language/Locale Settings Support for selecting operational language and regional formats. |
. | No information available |
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Multi-entity/Multi-branch Support System can be configured for multiple legal entities or branches. |
. | No information available |
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Customizable Logging Levels Adjust the level of transaction and system logging. |
. | No information available |
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Custom Batch Cut-off Times Define when batch payment processing cut-off occurs. |
. | No information available |
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Payment Template Management Setup and manage templates for regularly used payment types. |
. | No information available |
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UI Language Pack Number of supported languages for UI customization. |
. | No information available |
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Maximum Custom Rules Maximum number of custom validation or routing rules. |
. | No information available |
Scalability and Performance
(6 Yes /6 Known /15 Possible features)
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Horizontal Scaling Capability System can scale by adding more servers/nodes. |
Platform supports horizontal scaling as per enterprise deployment models. | |
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Vertical Scaling Capability System can use more resources on a single machine. |
Vertical scaling (resource expansion) in private/on-premise/cloud described. | |
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Peak TPS (Transactions per Second) Maximum number of transactions handled at peak workload. |
. | No information available |
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Maximum Concurrent Users Total number of users who can operate simultaneously. |
. | No information available |
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Automatic Load Balancing Distributes payment processing across multiple systems for efficiency. |
Automatic load balancing reported in technical documentation. | |
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Disaster Recovery RTO Recovery time objective after a disaster. |
. | No information available |
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Disaster Recovery RPO Maximum acceptable data loss (recovery point objective). |
. | No information available |
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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'. | |
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Elastic Scaling Automatic scaling up/down with changing workload. |
Elastic/auto-scaling supported as part of cloud deployment. | |
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Resource Utilization Monitoring System monitors use of compute, memory, and storage resources. |
. | No information available |
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Transaction Processing Latency Average time to process an individual payment. |
. | No information available |
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Maximum Payments per Day The upper limit on daily payment volume supported. |
. | No information available |
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Cold Start Time Time taken for system to become operational from shutdown. |
. | No information available |
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Scalable Data Storage Underlying data storage can grow as transaction volumes increase. |
Storage scalability highlighted for large/global payment operations. | |
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High-availability (HA) Uptime SLA Guaranteed uptime according to SLA. |
. | No information available |
Deployment, Maintenance and Support
(8 Yes /8 Known /15 Possible features)
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Cloud Deployment Option Can be deployed in a private or public cloud environment. |
Cloud deployment is available per official product web site. | |
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On-premise Deployment Option Can be run within bank’s own data centers. |
On-premise deployment supported for clients with regulatory or preference needs. | |
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Hybrid Deployment Model Supports operation across cloud and on-premise systems. |
Hybrid cloud/on-premise architecture is possible for phased or flexible deployments. | |
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Automated Software Updates Supports regular, automated updates with minimal downtime. |
Automated patching, upgrade, and maintenance supported according to documents. | |
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24/7 Vendor Support Offers round-the-clock technical support. |
24/7 vendor and customer support is described in product SLA. | |
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Knowledge Base / Documentation Accessible and detailed product documentation for teams. |
Comprehensive knowledge base and product documentation cited on vendor site. | |
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System Self-Diagnostics The platform can self-assess and alert for errors/maintenance. |
. | No information available |
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Automated Backup and Restore Enables scheduled backup and rapid restore of all critical data. |
Automated backup/restore processes documented. | |
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Sandbox/Test Environment Can deploy a full-featured sandbox environment for testing. |
Sandbox/test environments specifically mentioned as available for partners and banks. | |
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Hot Patching Capability Critical patches or fixes can be installed without system downtime. |
. | No information available |
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Issue Tracking and Ticketing Integration Integrates with issue/ticket management solutions. |
. | No information available |
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Maintenance Window Configuration Flexible scheduling of system maintenance with notifications. |
. | No information available |
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Service Monitoring API APIs for external monitoring solutions to check system status. |
. | No information available |
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Automated Scaling Policies Rules for automated resource allocation during maintenance or load spikes. |
. | No information available |
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Maximum Patches per Year Number of critical patches/upgrades required or supported annually. |
. | No information available |
Customer and Bank Relationship Management
(2 Yes /2 Known /15 Possible features)
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Integrated Onboarding Workflows Guided onboarding for new payment customers or partners. |
Integrated onboarding for B2B and bank clients highlighted in product outline. | |
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KYC Integration Integration with Know Your Customer processes and checks. |
KYC process integration described for onboarding/compliance. | |
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Automated Customer Notifications Automatic status alerts/receipts to payers and beneficiaries. |
. | No information available |
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Custom Payment Descriptions Ability to provide custom messages or invoice references. |
. | No information available |
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Beneficiary Management Manage, validate, and store beneficiary account information. |
. | No information available |
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White-labeling Support System can be branded and customized for partners or clients. |
. | No information available |
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Customer Support Integration Integrates with ticketing or CRM systems for issue management. |
. | No information available |
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Self-service Payment Status Customers can check the real-time status of their payments online. |
. | No information available |
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Automated Fee Disclosure Discloses all fees to customers during payment initiation. |
. | No information available |
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Customer Feedback Collection System incorporates surveys or feedback channels on payment experience. |
. | No information available |
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Bulk Beneficiary Upload Enables upload and management of multiple beneficiaries at once. |
. | No information available |
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Multilingual Customer Communication Supports communication in multiple customer-preferred languages. |
. | No information available |
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Customer Data Retention Policy Configurable length of payment and relationship data retention. |
. | No information available |
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Customer Payment Templates Enables customers to create and use templates for frequent payments. |
. | No information available |
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Limits per Customer Account Customizable transaction or volume limits per account. |
. | No information available |
Innovation and Future-proofing
(0 Yes /0 Known /15 Possible features)
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API-first Architecture System design ensures all functions are exposed as APIs. |
. | No information available |
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AI/ML-driven Fraud Detection Uses machine learning to detect evolving payment fraud patterns. |
. | No information available |
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Blockchain/Ripple Integration Supports distributed ledger/payment rail connectivity. |
. | No information available |
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Crypto Payment Support Can initiate, receive, or settle cryptocurrencies. |
. | No information available |
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Regulatory Sandbox Support Can be used in regulatory test environments for payment innovation. |
. | No information available |
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Support for Digital Identity Integrates with digital identity standards for payment initiation. |
. | No information available |
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Continuous Deployment Pipeline DevOps pipeline for rapid delivery of new features. |
. | No information available |
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Pluggable Payment Rails System supports adding new payment networks/rails with minimal effort. |
. | No information available |
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Open API Developer Portal Portal for third parties and fintechs to build on payment APIs. |
. | No information available |
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Sandbox Transaction Capacity Number of test transactions supported in sandbox. |
. | No information available |
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Third-party App Ecosystem Supports plug-in third-party or marketplace applications. |
. | No information available |
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Smart Contract Support Can trigger payments or settlements by smart contract. |
. | No information available |
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Support for IoT Payments Handles payments initiated by IoT-connected devices. |
. | No information available |
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API Versioning Control Supports releasing and maintaining multiple API versions. |
. | No information available |
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Innovation Roadmap Release Frequency Planned new feature releases per year. |
. | No information available |
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