With Aura Cloud, You Focus On Your USP And Leave The Routines To Us.

Efficient transaction hub

Payment Services

Payments are a commodity – unless you know how to transform them into a winning business.

The market is exploding with new electronic money or small payment providers. While legislation aims to create a homogenous and interoperable way to create services, payment operators do have their edge when it comes to pricing, bundling and offering additional services to the mix.

Our payment engine works on a universal ISO 20022 data model enabling seamless payment adaptations across multiple geographies. It caters to the Single European Payments Area (SEPA) as well as payments in and to countries outside. This, combined with the ability to handle SCA for payment service providers enables you to have the power to offer well-defined payment products to your target group of customers.

Our platform gives you a powerful boost to differentiate and offer additional services like cards, for both B2B and B2C payments.

Whatever your unique value proposition might be, you need to enter the market ASAP before someone steals your customers.

Let Aura be your unfair edge!


You focus on designing cool products and superior experience for your customers and let us handle the boring stuff


Avoid high IT capital costs and operationalise them. Make IT your competitive advantage

IT Flexibility

Any new IT components your Business needs can be easily plugged into your core platform running on Aura Cloud through our 6,500 exposed APIs


  • PSD2 compliance within EU
  • Bundled charges for customers for payments
  • Payment life-cycle management for SEPA SCT
  • Payment back-office and exception management
  • Payment product resolution
  • Automated clearing / GIRO
  • Payments through ISO 20022 messages
  • Cross border payments on SWIFT messaging standards
  • End-to-end payment processing
  • Response to channels
  • Nostro management
  • Payment life-cycle management for SEPA DD
  • Payment origination from multiple channels through PAIN 001
  • Data handoffs for DWH
  • Reconciliation
  • Debit orders and pre-paid instruments
  • Payment product and customer offerings
  • Payment process and response
  • Compliance reporting