Aqua Global provides IBM iSeries-based payment processing solutions with full bi-directional integration for ICBS / CBS Retail and General Ledgers, Aperio and any other systems that need be integrated into your payment processing. Format independence allows the automatic management of any payment types from a single payment processing solution. Supported formats include SWIFT, SEPA (ISO20022), ISO8583 (Dr & Cr Card, UK Faster Payments) RTGS, LCH / ACH, electronic banking  integration, Excel, proprietary formats and files. The modular architecture incorporates configurable business rules-based processing, 'repair learning' and automatic repair, automatic management of postings and provides an exception processing environment giving extremely high levels of STP. The solutions allow institutions to realise the benefits of an automated payments processing engine offering payment channel choice to clients. Additional cash management modules (Nostro Cash Management, Account Reconciliations and Balance Reporting) complete the payment processing suit to provide a fully integrated solution for ICBS and CBS.