Consulting Payments
Payments · Functional Consulting

Payments Consulting

Functional domain support, ready-to-use test cases and use cases, FSD/BRD review, and presales support — for teams implementing India domestic payment rails and international SWIFT/correspondent banking flows.

India & International Rails NPCI & SWIFT Aligned Platform-Agnostic

Functional Support for Payments Implementations

We are not an advisory firm. We work alongside your delivery team — providing ready-to-use artifacts and project-based functional consulting so your team doesn't have to build payments domain knowledge from scratch.

Ready-to-Use Artifacts

Test cases, use cases, and process flows across NEFT, RTGS, IMPS, UPI, SWIFT, and correspondent banking — built for direct use in your UAT and project documentation.

Project-Based Consulting

FSD/BRD domain review, UAT scenario design, gap analysis, and on-call functional support — scoped to your project, billed by retainer, project, or daily rate.

Presales Support

Help responding to payments RFPs with accurate functional content — domain narrative, solution mapping, and scenario coverage for your proposal team.

Payments Domains We Cover

India domestic rails and international correspondent banking — each covered as a dedicated pack of test cases, use cases, and process flows.

Payments India (PAY · India)

India domestic payment rails — NEFT, RTGS, IMPS, UPI, BBPS, and internal fund transfers. Outward remittances (LRS, FEMA, Form A2, TCS) and inward remittances (FIRC, EEFC, NRE/NRO). Failure, return, and reversal scenarios.

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Payments International (SWIFT & IB) (SIBP · Global)

SWIFT message types MT103/202/202COV/940/942, GPI tracking, ISO 20022 migration, SEPA, CHIPS, Fedwire, TARGET2, CHAPS and CLS settlement. Correspondent banking flows, Nostro/Vostro reconciliation, and cross-border payment investigations.

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Where Payments Implementations Commonly Struggle

Patterns we see repeatedly across payments platform implementations.

Failed-transaction auto-reversal and disputed-transaction chargeback tested as one scenario

A failed UPI transaction (fast, automatic, RBI-mandated T+1 reversal) and a disputed card or payment transaction (slow, customer-initiated, evidence-based) follow entirely different rules — testing them identically misses both.

Settlement finality differences across rails left untested

NEFT, RTGS, IMPS, and UPI each finalise differently. A test plan written for one rail and reused for another often misses rail-specific return and reversal mechanics.

SWIFT message correlation across a single transaction under-tested

An MT103 and its corresponding MT202COV need to correlate correctly — testing each message type in isolation misses the cross-message validation that sanctions screening actually depends on.

Engagement Models

Ready-Made Packs

Domain packs available immediately — test cases, use cases, and process flows. No engagement required to get started.

Project-Based Consulting

Fixed scope and fee — FSD review, UAT scenario design, gap analysis for a specific payments module or implementation phase.

Monthly Retainer

On-call functional domain support — fixed hours per month, ongoing support throughout your project.

Scope note: Bankly provides project-based functional domain consulting, ready-to-use test cases and use cases, presales support, and IT implementation assistance. We do not provide legal, regulatory, or financial advice. NPCI, RBI, and SWIFT references are for contextual alignment, not legal interpretation. All content is platform-agnostic and illustrative — adapt to your specific system and project context.

Need Payments Domain Support?

Start with a free 30-minute discovery call, or get in touch about the Payments pack directly.

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We respond within 24 hours · team.bankly@gmail.com  ·  team@banklyconsulting.com

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