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    What we do
    • Perpetually Adaptive Enterprise タブを押してサブメニューを表示

      Where adaptability meets advantage

      At TCS, we don’t just help businesses transform. We help them become perpetually adaptive enterprises, built to evolve continuously and confidently in a world of constant change.

      Adaptability starts here
    • Industries
      • Banking
      • Capital Markets
      • Consumer Packaged Goods and Distribution
      • Communications, Media, and Information Services
      • Education
      • Energy, Resources, and Utilities
      • Healthcare
      • High Tech
      • Insurance
      • Life Sciences
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      • Public Services
      • Retail
      • Travel and Logistics
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      • Artificial Intelligence and Data & Analytics
      • Cloud
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      • Enterprise Solutions
      • IoT and Digital Engineering
      • Network Solutions and Services
      • TCS Interactive
      • Sustainability Services
    • Products and Platforms
      • TCS ADD™
      • TCS BANCS™
      • TCS BFSI Platforms
      • TCS CHROMA™
      • TCS Customer Intelligence & Insights™
      • TCS ERP on Cloud
      • ignio™
      • TCS iON™
      • TCS HOBS™
      • TCS Intelligent Urban Exchange™
      • TCS OmniStore™
      • TCS Optumera™
      • TCS Tap™
      • Quartz™ – The Smart Ledgers™
      • TCS TwinX™
      • TCS MasterCraft™
      • Jile™
      • TCS DigiBOLT™
      • TCS AI WisdomNext™
    • Research & Innovation
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    • Sustainability Services
  • Products and Platforms expand here
    • TCS ADD™
    • TCS BANCS™
    • TCS BFSI Platforms
    • TCS CHROMA™
    • TCS Customer Intelligence & Insights™
    • TCS ERP on Cloud
    • ignio™
    • TCS iON™
    • TCS HOBS™
    • TCS Intelligent Urban Exchange™
    • TCS OmniStore™
    • TCS Optumera™
    • TCS Tap™
    • Quartz™ – The Smart Ledgers™
    • TCS TwinX™
    • TCS MasterCraft™
    • Jile™
    • TCS DigiBOLT™
    • TCS AI WisdomNext™
  • Research & Innovation expand here
    • TCS Research
    • TCS Pace™
  • Alliances
  • Who we are
    • 会社概要 タブを押してサブメニューを表示

      We deliver excellence and create value for customers and communities.

      Our expert, committed team put our shared values into action – every day. With the best talent and the latest technology we help customers turn complexity into opportunities and create meaningful change.

      Discover the difference
    • Brand
    • Leadership
    • Community
    • Sustainability
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    • Values
    会社概要
  • Brand
  • Leadership
  • Community
  • Sustainability
  • Inclusion
  • Values
  • Insights
    • Customer Stories タブを押してサブメニューを表示

      Discover why customers choose TCS

      We are a digital transformation and technology partner of choice for industry-leading organizations worldwide.

      Read our customer success stories.
    • Events

      Upcoming events

      29 Sep 2025 TCS BaNCS and Quartz at SIBOS 2025, Frankfurt
      22 Sep 2025 TCS Life Sciences Forum 2025 London
      03 Sep 2025 TCS at PostTrade 360°, Stockholm
      View all
    • Analyst Recognition

      Recent recognitions

      01 Aug 2025 TCS a Leader in Experience-Led HR Transformation Services: NelsonHall
      17 Jul 2025 TCS a Leader in Life and Annuities Insurance BPS and Third-Party Administrator Services: Everest Group
      15 Jul 2025 TCS Recognized as a Leader in Healthcare Provider Digital Services by Everest Group
      View all
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    • Build a future with us タブを押してサブメニューを表示

      Want to be a global change-maker? Join our team.

      At TCS, we believe exceptional work begins with hiring, celebrating and nurturing the best people — from all walks of life.

      Join us
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      12 Aug 2025 International Youth Day: TCS Youth Employment Program upskills 185,000 youth over 15 years
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      09 Jul 2025 TCS Launches ‘Gen AI Tech Pathway’ in its STEM Education Program goIT
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    • BaNCS概要 - 金融機関向けサービス | 日本タタ・コンサルタンシー・サービシズ
    • Solution

    TCS BaNCS for Payments

    Extensive end-to-end multi-product payment processing capabilities

    共有 Real-time Payments Solution- TCS BaNCS for Payments
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    Download PDF for Real-time Payments Solution- TCS BaNCS for Payments Download PDF
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    BaNCS概要 - 金融機関向けサービス | 日本タタ・コンサルタンシー・サービシズ

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    Related Insights
    Transforming Payments with Cloud-based, Microservices Architecture
    Learn how TCS BaNCS Enterprise Payments Hub is driving hypergrowth in payments, enabling banks with scalability, reliable connectivity, and expanded flexibility.
    記事
    11 Nov 2024
    TCS BaNCS Powers Payments Transformation at Banque Saudi Fransi
    Tata Consultancy Services’ Solution Centralizes and Standardizes Domestic and International Payments Processing at One of the Largest Banks in KSA
    プレスリリース
    17 Jul 2023
    TCS Expands Strategic Alliance with J.P. Morgan’s Securities Services
    Tata Consultancy Services’ TCS BaNCS™ will Help Standardize and Streamline Processes in Over 100 Markets and Further Enhance Customer Experience
    プレスリリース
    15 Sep 2023

    Challenge

    The constantly evolving payments ecosystem is rife with rapid changes in market dynamics, ever-evolving regulatory measures, and mounting customer expectations. To thrive in a changing market environment that witnesses a new player (fintech) gaining prominence in the payments space almost on a daily basis, it is necessary that financial institutions and payments providers upgrade their infrastructure and launch innovative products with an effective cost structure. Customer expectations make it increasingly more critical for organizations to differentiate themselves by launching such products and swiftly expanding to meet the demands of their clients.

    Solution

    With a track record of processing international payments in 25 countries and supporting over 40 clearing systems, and with several features natively built on MT and MX (ISO 20022) standards, TCS BaNCS for Payments is an integrated SWIFT certified and SWIFT gpi ready solution that supports real-time payment processing across multiple geographies, entities and currencies adhering to rules and standards. Supporting direct debits, domestic, cross-border payments and cheques processing, it is a comprehensive solution that makes use of API driven capabilities, and aims to support stronger management of risks and aid in the seamless integration of applications. 

    Benefits

    • Built on a modern scalable architecture with component based design that seamlessly integrates with new ecosystems through well-defined APIs and a variety of online and offline channels
    • Comprehensive support for traditional products like credit transfers, direct debits and cheques alongside newer offerings like real-time and blockchain based payments
    • Extensive support for SWIFT gpi payments as instructing, intermediary and instructed institutions including support for latest features like universal confirmations
    • Seamlessly integrates with a variety of online and offline channels. The processing of the payment is decoupled from the format in which it is acquired
    • Leveraging extensive market and internal reference data, the solution is proven to have enabled STP rates near or above 99%
    • Off-the-shelf availability of real-time dashboards, easy navigation, exception management queues, multiple repair modes and extensive search & audit features
    • Implemented across the world, TCS BaNCS agile based implementation methodology enables faster ROI
    • Continuous and ongoing compliance with evolving regulations

    Read how TCS BaNCS for Payments can facilitate effective transaction processing for universal banks, help them seamlessly manage cross-border fund transfers and enables them to exceed the expectations of a fast-changing market. 

    TCS BaNCS for Payments is SWIFT and SWIFT GPI certified application adhering to regional regulations across multiple geographies. The solution has been certified for the payments market with SWIFTReady labels for more than 10 years now. Read more about the SWIFT certification here.

    Certifications

    SWIFT gpi 2023

    SWIFT gpi 2023

    swift compatible payment logo

    SWIFT Payments 2023

    Related reading

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    プレスリリース | 17 Jul 2023   Opens in new tab

    PostFinance-10 Years with TCS BaNCS

    07 Aug 2025   Opens in new tab

    TCS BaNCS Customer Newsletter and Insights

    レポート | 28 Feb 2023   Opens in new tab

    TCS BaNCS Helps Emirates NBD Transform Payments Processing

    ビデオ | 22 Mar 2023   Opens in new tab

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