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Open Payment Framework (OPF)

Clear2Pay offers world class solutions based on the Open Payment Framework (OPF). The OPF is a library of component building blocks from which payments solutions can be derived. The Open Payment Framework is built entirely on a Service Oriented Architecture (SOA) delivering common, reusable services consisting of a comprehensive data model, choreographed payment business processes and configurable services including parsing, validation, cost based routing, warehousing, security, auditing and many more. From this core framework, Clear2Pay has created pre-defined solutions.

Software Development Kit (SDK)

Add, change and extend Open Payment Framework components to meet unique requirements.

Bank Payment Hub

An umbrella payments solution offering a combination of tactical products, each introduced below, through a centralised payments infrastructure across their enterprise.

Domestic Payments

Efficiency, cost savings and adaptiveness in high-value RTGS and lower-value ACH payments operations.

International Payments

Enriched payments for high volume, in-sourcing, multi-bank, correspondent banking, STP, and decision-based routing.

Single Euro Payments Area (SEPA)

Added value services, cost based routing and payment transparency for SEPA Direct Debits and Credit Transfers.

Imaged Check Processing

Next generation check image exchange solution offering flexible scalability designed to evolve in conjunction with the industry.

Electronic Bill Presentment and Payment

Open and flexible EBPP solutions for either integrating with domestic consolidators or decision-based routing to billers.


Consulting services and expert co-sourcing based on deep domain expertise and extensive international know-how.

Consumer Remittance Payments

A complete, flexible and secure solution for international money transfer services for cash, cards and electronic transactions.


Value added Chargeback processor solutions for banks, card processing centres, issuers and acquirers.

Card Solutions

End to end card payment and secure card solutions encompassing authenticated POS, payment gateway and clearing solutions for acquirers and merchants.


Electronic banking products featuring modular multi-channel payment solutions for retail, small business and corporate customers; all highly secured and with deep functional scope.

Integri Test Tools and Expertise

Integri proposes the widest range of testing tools in the industry for electronic transactions in payment, smartcard and mobile applications.