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Streamlining Payments Routing for a Tier 1 UK Bank

Moving from rigid legacy systems to a flexible, cloud-ready, microservices-based architecture.

RedCompass Labs worked with a Tier 1 bank to modernize its payments infrastructure, replacing rigid legacy systems with a flexible, cloud-ready, microservices-based architecture.

The transformation eliminated complex rules, reduced costs by removing licensing fees, and gave the bank full control over its ecosystem, ensuring seamless scalability, compliance, and innovation.

Our services in action

The Challenge

Legacy complexity

Legacy routing systems struggled to handle growing payments traffic, bogged down by complex rules that slowed processing. Every change required extensive regression testing, creating bottlenecks and delaying innovation.

Tight deadlines

Meeting ISO 20022 deadlines was impossible with the current vendor, as custom processes added complexity and maintenance challenges. Frequent vendor delays only compounded the risk, putting the entire program at stake.

Inflexible architecture

A successful modernization strategy demanded flexibility, but rigid legacy architecture made it impossible to add new channels or services. Vendor lock-in further stifled innovation, leaving the system stuck in the past.

The Solution

Message hub toolkit

Implementation of a tailored Message Hub to deliver seamless connectivity, precise data validation, and intelligent deduplication, and esnure complete end-to-end payment traceability—every transaction, every time.

Event-driven architecture

Built on an event-driven architecture with microservices patterns, an extendable model enabled a smooth, incremental replacement of legacy systems—driving transformation without disruption.

Testing framework

A robust testing framework ensures reliability, allowing components to be tested in isolation while enabling seamless end-to-end validation—minimizing risk and accelerating deployment.

The Results

The flexible architecture of RedCompass Labs’ Message Hub streamlined operations by identifying, simplifying, and eliminating complex rules—making regulatory compliance faster and more efficient.

The bank’s payments ecosystem is now cloud-ready—powered by a scalable, microservices-based, containerized system that aligns seamlessly with the bank’s modernization strategy.

With no licensing fees, the solution gives the bank full control and flexibility to build on top of it—reducing costs while unlocking access to a broader range of future technologies.

90% Routing rule reduction

Cloud-ready in just 4 months

No ongoing fees or vendor lock-in

Scaling with Confidence

RedCompass Labs played a pivotal role in transforming our payments infrastructure. By replacing legacy constraints with a flexible, cloud-ready architecture, we’ve gained full control over our ecosystem, reduced costs, and accelerated innovation. Their expertise allowed us to simplify complex rules, ensure seamless regulatory compliance, and future-proof our operations—positioning us to scale with confidence.

Head of Payments Services, Tier 1 UK Bank

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