aplonHUB

What is aplonHUB?

aplonHUB is a payments hub for banks. It manages incoming and outgoing financial messages across schemes and standards from one application, sitting alongside the core banking system rather than replacing it. It is powered by ACI Worldwide and brought to projects by Infosistema as a partner solution.

What problem does aplonHUB solve?

Payment message standards keep multiplying. ISO 20022 comes in several variants — CBPR+ for SWIFT, separate structures for SEPA, T2 and TIPS, and domestic flavours — while SWIFT MT stays in use through a long coexistence period, and instant-payment schemes bring their own formats and yearly release cycles. Handling each on a separate system adds operational risk, compliance exposure and investigation effort every year. aplonHUB brings them into a single hub.

How does aplonHUB work?

• Validate, transform and route — every message is validated, transformed (including MT ↔ ISO 20022) and routed with rules and scheduling, with a light touch on the core system.
• Reconcile — related messages are correlated side by side; camt and MT9xx messages are processed, and replies, returns and cancellations are generated automatically.
• Investigate — cross-scheme search and full lifecycle tracing give operations teams one place to follow any payment.
• Integrate — REST APIs, message queues and file-based connectivity link it to any core banking system.
• Deploy — on-premises and customer-managed, so payment data stays under the bank's control; SQL Server, Oracle or MySQL; Java / Spring stack.
• Extend — activate only the schemes needed now and add others later.

Which message standards does aplonHUB handle?

SWIFT MT · ISO 20022 · CBPR+ · SEPA Credit Transfer, Direct Debit and Instant · T2 / TIPS · TARGET2 · domestic ISO 20022 variants. Annual standards updates — SWIFT mandates, SEPA scheme releases and rule changes — are delivered as standard product updates.

What do these payment standards mean?

• SWIFT MT — the traditional SWIFT message types (for example MT103 for customer credit transfers), still in use during the migration to ISO 20022.
• ISO 20022 — the global XML-based standard for financial messages, with richer, structured data (MX messages such as pacs, pain and camt).
• CBPR+ — SWIFT's ISO 20022 usage guidelines for cross-border payments and reporting.
• SEPA — the euro payment schemes: SEPA Credit Transfer (SCT), SEPA Direct Debit (SDD) and SEPA Instant Credit Transfer (SCT Inst).
• T2 / TIPS / TARGET2 — the Eurosystem's high-value payment system and its instant-payment settlement service.
• camt / MT9xx — statement, notification and reconciliation messages that confirm what was actually settled.

Who is aplonHUB for?

Banks and financial institutions that need to modernise payment messaging or migrate to ISO 20022 without replacing their core systems — in particular regional and mid-sized banks, where it runs as a purpose-built messaging platform. It can run standalone or fully integrated with an existing payments platform, adding SEPA and SWIFT routing to existing systems. Inside the bank, its users are the payment-operations, back-office and AML teams.

Who develops aplonHUB?

aplonHUB was developed by Payment Components, Infosistema's strategic partner for payments and Open Banking. ACI Worldwide acquired Payment Components in November 2025, and the product's former address now leads to ACI Financial Messaging, ACI's financial messaging platform for regional and mid-sized banks, also available as a native part of ACI Connetic. Infosistema continues to deliver and integrate it for banks.

What can aplonHUB do?

Where is aplonHUB used?

How does Infosistema deliver aplonHUB?

Payment platforms live or die on integration. Infosistema pairs aplonHUB with its decades of banking and enterprise-integration experience, so the hub slots into the bank's core systems and goes live with confidence:

• mapping the schemes, message flows and core systems the bank runs today;
• integrating aplonHUB with core banking, AML screening and back-office systems through APIs, queues or files;
• configuring validation, routing and reconciliation rules;
• supporting go-live and operation alongside the bank's teams.

Related products