Finacle integration
for payment review
A technical evaluation guide for bank IT heads, administrators and integrators. Plan a Finacle Payments Suite connection for evidence-backed payment review, with bank staff retaining approval authority.
Integration blueprint. A Finacle integration payment simulator is available in the agent evaluation workspace. The vendor-specific connector and proposed contract below are not deployed against a Finacle instance. Bank API documentation and sandbox validation are required before connection.
How the connection would work
Bank reviewerAuthorized customer and branch scope
Regence AIEvidence-backed assistance; human approval
Controlled adapterAuthentication, mappings and scope validationRegence retrieves approved payment context through the bank’s gateway. The agent combines it with approved policies and returns a cited review brief. Finacle remains authoritative for payment status, settlement and transactions.
Finacle integration interfaces
Payments Suite
Payment processing and messaging, including domestic and cross-border rails. Message Hub supports message transformation and ISO 20022 interoperability.
API Connect
Business APIs, API management, orchestration, an Event Hub and developer sandbox capabilities. Availability depends on the bank’s installed products and enabled services.
Payments Connect is a separate product: Finacle’s blockchain-based international payments solution. It is not another name for API Connect. Credit evaluations also require customer and lending services beyond the Payments Suite.
Proposed Regence API contract
These are Regence design paths, not native Finacle endpoints. Synthetic GET examples are now available under https://app.regenceai.com/api/simulator/finacle, using payment identifiers DEMO-P001 and DEMO-P002 and evaluation login. No actual Finacle instance is connected. Advisory review is executed through the application’s /api/cases workflow; the proposed payment-review path below is not deployed.
| Method | Path | Purpose |
|---|---|---|
| GET | /v1/payments/{paymentId} | Approved payment details and source references |
| GET | /v1/payments/{paymentId}/status | Current processing state and available reason codes |
| GET | /v1/payments/{paymentId}/events | Lifecycle events, where bank services expose them |
| POST | /v1/payment-reviews | Request an advisory review; no payment execution or approval |
Illustrative review request
{
"paymentId": "DEMO-P001",
"question": "Why is this payment awaiting repair?",
"policySet": "approved-payments-policy"
}A planned response would include the source status, supported exceptions, policy citations, missing evidence, retrieval time and request ID. It must distinguish bank facts from AI interpretation and state when information is incomplete. This example is illustrative, not an executable API.
For the bank administrator
- Confirm Finacle product, version, payment modules and enabled API Connect components.
- Supply bank-approved API documentation, authentication requirements and sandbox access.
- Agree permitted payment identifiers, branches, legal entities and reviewer roles.
- Confirm private connectivity, certificate requirements and hosting/data residency.
- Approve policies, test records and acceptance criteria for the pilot.
For the integrator
- Map native paths and payloads to the Regence contract; confirm pagination and reason codes.
- Preserve currency, decimal amounts, bank timestamps and authoritative status semantics.
- Implement access checks, redacted logging, timeouts and bounded upstream requests.
- If events are enabled, handle duplicate delivery, ordering and reconciliation.
- Verify denied access, incomplete data, unavailable upstream services and review citations.
Initial evaluation scope
Start with rejected or delayed payment investigations: retrieve context, explain the documented exception, identify missing information and prepare a cited review for a bank employee. Use synthetic data first, then a restricted bank sandbox.
Payment initiation, release and approval are outside the initial scope. Any later transaction capability requires bank-approved authorization, maker-checker controls, idempotency and reconciliation. ISO 20022 support does not establish the payload format of every bank API.
Evaluation readiness
| Stage | Current position | Next requirement |
|---|---|---|
| Public product research | Capability assessment available | Confirm the bank’s installed components |
| Vendor adapter and API contract | Proposed; separate compatible simulator available | Build contract, fixtures and mapping adapter |
| Bank connectivity | Not connected or tested | Approved schemas, credentials and sandbox |
| Agent review | Target workflow | Implement and evaluate cited review behavior |
Official Finacle references
Finacle Payments Suite ↗
Finacle API Connect and developer portal capabilities ↗
Finacle Developer Cloud ↗
Public product pages describe capabilities, not the bank’s endpoint-level specification. Final mapping must use its deployed documentation. This blueprint does not imply Finacle certification or partnership.