Platform · Payments
Payments that settle on the ledger the moment they arrive.
Kernhaven connects your payment hubs and schemes to the core with native ISO 20022 support. Every incoming and outgoing payment is validated, posted and published as an event within milliseconds.
Capabilities
What you get with Kernhaven Payments
SEPA Credit Transfer & Instant
SCT and SCT Inst with 24/7 posting and VoP (Verification of Payee) hooks.
SEPA Direct Debit
Core and B2B mandates, R-transactions and pre-notification events.
Card settlement
Authorisation holds, clearing and settlement from your card processor posted in real time.
ISO 20022 native
pain, pacs and camt messages mapped directly to ledger postings.
Limits & controls
Velocity limits, cut-off rules and sanctions-screening hooks before posting.
Reconciliation
Automatic nostro and scheme reconciliation with exception queues.
Configure, don't code
Your product is a file, not a project.
Every payments product is a versioned definition. Review it like code, simulate it on staging, and promote it to production with four-eyes approval.
- Versioned — every change is tracked and reversible.
- Simulated — test the impact on real portfolios before go-live.
- Approved — built-in four-eyes workflow for risk and compliance.
scheme: SCT_INST
direction: incoming
message: pacs.008
posting:
debit: nostro:EUR:SCT_INST
credit: account:{{creditorIban}}
checks:
- sanctions-screening
- verification-of-payee
- velocity-limit
timeoutMs: 5000
publish:
- payments.incoming.settledSee Kernhaven in action.
Book a 30-minute walkthrough. We will launch a live product on the platform, from configuration to first posting.