PAYMENTS SIGNAL REFERENCE ARCHITECTURE · settlement

Batch credit-transfer, ACH, direct-debit, mandate, and file-processing architecture

Connects file-level integrity, item-level validation, mandate authority, cut-offs, clearing cycles, net settlement, returns, and multi-level reconciliation.

Payments Signal reference architecture v1Reviewed 2026-07-238 components10 interfaces3 stress cases

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TEXT-ONLY ARCHITECTURE

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01 / LOADING

Preparing the interactive workbench.

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06 / TAKE IT AWAY

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