Payment factory & host-to-host
Payments and bank connectivity audit
Testing of payment factories, host-to-host channels, file encryption, beneficiary changes, and the last mile between the TMS and the bank.
Typically 2–4 weeks · Payment operations, treasury IT, and bank-relationship owners
The risk in a modern treasury stack often sits in the file, not the screen. A payment that looks dual-approved in the TMS can still be rebuilt, re-signed, or released through a bank portal that the application does not see. We trace a sample of payments from the originating request through the TMS, the middleware or SFTP drop, and the bank acknowledgement.
We look at who can change a beneficiary, who can edit a file after approval, and whether encryption and signing keys are held in a way that a single operator cannot complete a payment alone. Repair queues and rejected files get the same attention as happy-path releases — that is where dual control quietly disappears.
The output is a connectivity diagram, a list of channel entitlements that do not match the treasury mandate, and practical fixes that operations can apply without shutting the payment factory.
What the work usually includes
- End-to-end tracing of a payment from request to bank acknowledgement
- Review of beneficiary master changes and dual-control evidence
- File format, signing, and channel entitlement checks
- Exception and repair-queue handling