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Overview

The payments industry is undergoing rapid transformation, driven by rising customer demands, emerging technologies, and new monetization opportunities. Infosys Cards and Payments practice helps businesses capitalize on opportunities in the fast-changing payments industry. We deliver agile, resilient, and modernized payments through self-funding transformation solutions. We create new payment possibilities, accelerating monetization at scale. Leveraging artificial intelligence (AI), machine learning (ML), blockchain, cloud, and data we unlock new possibilities. We enable:

2/3rd of the world’s cards payments

US $15 trillion in payment network volume

US $40 billion in purchase transactions with top merchant acquirers

18% of the world’s banking population

1.2 billion cards in force

Over US $18 billion transactions in monthly Unified Payment Interface (UPI) transactions in India

Infosys Cards and Payments practice differentiates itself through end-to-end capabilities across design, consulting, domain expertise, technology, and operations in payments. Our comprehensive approach integrates experience transformation to ensure seamless and intuitive interactions across the payment ecosystem. We help clients modernize their core, monetize data, and drive next-gen payments.

Infosys’ ABCDE Framework

Infosys helps clients navigate the speed and scale of payments transformation through five strategic themes, ensuring a holistic, future-proof approach to modernization.

  • A

    AI-infused payments

    Enhance experiences, reduce fraud, personalize offers, boost approvals, and automate risk as well as service workflows

  • B

    Blockchain-powered programmable payments

    Enable tokenization, open eCommerce, central bank digital currencies (CBDCs), stablecoins, secure global settlement, and quantum-safe transactions

  • C

    Cloud-driven modernization

    Implement ISO20022, modernize legacy systems, simplify messaging, and build microservices-based platforms

  • D

    Payments data monetization

    Use AI/ML for personalization, risk management, and open banking-driven value-added services

  • E

    Ethics, compliance, and regulations

    Strengthen risk controls, ensure resilience, and address digital as well as geopolitical risks

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Reimagining Payments in a Digital-first World

Today’s consumers and businesses expect real-time, easy, secure, low-cost, and seamless payment experiences, anywhere, anytime. Evolving customer expectations, rising costs, and increasing regulatory pressures are accelerating the need for change. To stay competitive, all players in the payments ecosystem including banks, networks, fintechs, and enterprises must modernize infrastructure, digitalize offerings, form agile partnerships, and manage risks proactively.

At Infosys, we support end-to-end payment transformation to help clients respond faster to change and unlock new value across the payments value chain.

Enabling interoperability and decentralization

Supporting open platforms and seamless connectivity across custodians

Expanding control over the payments value chain

Allowing larger banks to manage more of the end-to-end process

Strengthening security and fraud prevention

Responding to increased complexity of threats and rising financial crime

Delivering convenience with security

Prioritizing core value through trusted and seamless transactions

Diversifying distribution channels

Reaching users across physical, ATM, online, mobile, embedded, and metaverse platforms

Fast-tracking innovation with advanced technologies

Leveraging platform as a service, tokenization, open/API banking, and generative AI (GenAI)

Success lies in driving innovation, unlocking new markets, and building resilient payment operations. To navigate the evolving complexities, Infosys offers comprehensive solutions that address the entire spectrum of payment transformation needs.

Powering Payments for Industry Leaders

Serving 5 of 5 top payment networks

Partnering with 4 of 10 top merchant acquirers

Supporting 4 of 5 top card issuers

Payment hub for more than 8 global banks

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How we can help

Infosys’ Offerings for Payments Transformations

Infosys partners with clients to transform the payments landscape. Combining deep industry expertise, cutting-edge technology, and over 10,000 financial services specialists, we deliver end-to-end transformation across the entire payments value chain. With global scale, more than 500 industry-specific assets, innovation hubs, and flexible business models, we help clients achieve tangible business outcomes across various payment infrastructures. Infosys’ proprietary digital accelerators help enable real-time, secure, and personalized experience, so our clients can fast-track innovation and unlock growth.

 

Modernizing the Foundation

  • Enabling seamless, real-time payment experiences
  • Building interoperable ecosystems
  • Modernizing legacy infrastructure
 

Monetizing the Infrastructure

  • Launching new payments-as-a-service models
  • Monetizing payments data
  • Powering cutting-edge marketplaces
 

Driving Next-gen Payments

  • Deploying hybrid stacks for real-time point-of-sale (PoS) payments
  • Enabling secure, fast, cross-border transactions
  • Preparing for cryptocurrency such as stablecoins, metaverse, and Web 3.0 adoption

The Infosys Advantage

Infosys is a trusted strategic advisor, global partner, and proven innovator. With our deep domain expertise and operational insight, we help clients define future-ready strategies, implement operational change, and align business as well as technology roadmaps. Our business consulting approach brings together business, technology, product, and customer experience leaders to close the gaps between product strategy, vision, and delivery, accelerating time-to-market and maximizing value realization.

The Infosys Advantage

Infosys’ dedicated Payments CoE ensures standardized, future-ready solutions across the payments value chain. Our product-specific CoE and training academies drive innovation and scale through new services and product extensions.

Our suite of proprietary tools and accelerators, including Infosys Payments Modernization Suite, enable AI-driven message translation and enrichment to streamline platform modernization. We also offer 50+ blockchain accelerators for programmable payments, along with cloud-native assets that support scalable, cutting-edge payments architectures.

With 6,000 practitioners and over 500 domain experts, we deliver strategy consulting to help global clients reimagine business models and transform across the value chain.

We offer unique co-investment and risk-sharing models with outcome-based deal structuring and a focus on zero-cost transformation that mitigate risk and maximize value.

Our broad technology and domain expertise supports an agile, test-and-learn approach to product delivery that accelerates time-to-value.

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Why Infosys?

We bring purpose-built industry intellectual properties (IPs) and a robust ecosystem of domain partners to deliver comprehensive and scalable payment solutions.

Enables seamless integration with payment hubs, supports multiple protocols such as Secure File Transfer Protocol (SFTP), message queueing (MQ), and APIs; transforms messages, and includes adapters for providers like Zelle, Finzly, and FedLine

Manages reward programs, enables targeted campaigns and gamification, supports customer segmentation through analytics, and provides self-service portals

Delivers AI/NLP-based virtual assistance for back-office teams, resolves payment exceptions and service requests, and streamlines investigations through a unified, root cause-driven interface

Uses AI/ML to detect fraud, optimize model performance, and reduce false positives and false negatives

Serves as a cloud-native, microservices-based hub that supports traditional payment rails such as Automated Clearing House (ACH), Real-time Gross Settlement (RTGS), and Society for Worldwide Interbank Financial Telecommunication (SWIFT), while also enabling secure, blockchain-powered cross-border payments

Offers business consulting, implements revenue platforms, and leverages partnerships with Oracle, SAP, Salesforce, Zuora, and Finacle to drive monetization and operational excellence

Success Stories

Discover how Infosys is driving transformation and delivering measurable results for leading financial institutions globally

Multi-year issuer processing platform transformation for a global card processor

Multi-year issuer processing platform transformation for a global card processor

Delivered managed services and cloud-first modernization, enabling 400% cardholder growth, onboarding over 30 clients, and launching products like NFC wallets, biometric cards, and QR payments. Achieved US $550K–600K in annual mainframe savings with zero KPI misses in seven years

Next-gen authorization, clearing, and settlement for a global card network

Next-gen authorization, clearing, and settlement for a global card network

Built a high-performance, distributed transaction processing system using open standards, delivering millisecond-level response times, 99.9999% availability, and faster product rollout

Real-time payments platform for leading Australian bank

Real-time payments platform for leading Australian bank

Implemented the New Payments Platform (NPP) with full scheme compliance and the highest straight-through processing, enabling innovative customer payment services and real-time notifications

Blockchain-based cross-border payments for the India-UAE corridor

Blockchain-based cross-border payments for the India-UAE corridor

Partnered with ICICI Bank and Emirates NBD to enable end-to-end cross-border payments in 36 seconds, improving visibility, reducing friction, automating reconciliation, and accelerating cycle times

Our Offerings

Future of Payments, Built on Intelligence and Trust

Infosys delivers new payment possibilities across four outcome-driven pillars. Our offering ensures optimized customer experiences, accelerated innovation, trusted transformation, and future resilience.

Seamless, personalized customer experiences

  • E-wallets, QR code, and wearable payments
  • Dynamic, digital payment orchestration using GenAI
  • Virtual assistants and chatbots powered by natural language processing (NLP)

Scalable innovation using AI and data

  • Al/ML-driven payments data monetization
  • GenAI for next-best offer and intelligent workflows
  • Agentic AI for personalized assistance

Trusted payments through security and compliance

  • Advanced compliance frameworks
  • Biometric authentication
  • Data encryption at rest and in motion
  • Seamless payment gateway integration
  • AI-driven fraud detection and prevention

Resilient payments infrastructure modernization

  • Open banking application programming interfaces (APIs) for interoperability
  • Agile, modular processing platforms
  • Real-time payments infrastructure
  • Blockchain-based cross-border payments
  • Stablecoins
  • CBDCs

Awards and Recognitions

Infosys is consistently recognized by leading industry analysts for its excellence and leadership in cards and payments