The payments market is growing at a pace that traditional archiving solutions simply can no longer handle. New EU regulations such as AMLD6 and PSR are tightening requirements for retention, traceability, and reporting. At the same time, transaction volumes are rising to hundreds of millions per day. Many existing systems can only meet statutory and internal retention obligations with significant manual effort. They are too slow, too rigid, and too costly.
The Consileon Payments Archive is the answer. The solution archives payment data in an audit-proof and long-term compliant manner, supports all common formats, and meets the compliance requirements of BaFin, the ECB, and the Deutsche Bundesbank. All while delivering a significantly lower total cost of ownership than your current solution.
The Consileon Payments Archive is designed for the diversity of modern payment transactions. Today, it supports:
Looking ahead, it is already prepared for account-to-account payments, micro-payments, and agentic commerce.
The Consileon Payments Archive combines all the capabilities banks and payment institutions need for audit-proof, efficient, and future-ready payment archiving. From the automated capture of incoming transactions and near-instant search functionality to regulatory compliance reporting, every feature is designed to reduce manual effort and ensure your archiving processes remain compliant at all times.
Incoming payment data is automatically captured, classified, and stored in an audit-proof manner – via API connection or batch import, in real time or on a scheduled basis. The system supports all common formats, including SEPA, PACS, SWIFT, and ISO 20022, and stores each data record in encrypted form according to the WORM principle, Write Once Read Many. Retention periods are managed and documented by the system.
Every transaction can be found within seconds – whether it is a single payment or a bulk payment run, and whether the request comes from the compliance department, an internal auditor, or an external auditor. All archived payment data is stored in immutable and encrypted form in accordance with the WORM principle, ensuring audit-proof archiving in line with GoBD and banking supervisory requirements.
Existing archive data is migrated and validated. Integrity and completeness are checked before the system goes live.
The Payments Archive automatically generates the reports required by the ECB, the Deutsche Bundesbank, and BaFin, including evidence in the context of AMLD6 and PSR. Retention periods are managed and monitored by the system. Reporting obligations to supervisory authorities become routine rather than a burden.
The solution integrates seamlessly into your existing IT landscape. Through open APIs, the archive can be connected to core banking systems, payment platforms, and reporting tools without complex migrations.
The implementation of the Payments Archive follows a clearly structured process, from assessing your existing payment formats and regulatory requirements to technical integration and ongoing operations with automated regulatory updates. Every step is designed to integrate seamlessly into your existing IT landscape, reduce the workload on internal resources, and ensure audit-proof archiving from day one.
Together, we analyze your current payment formats, transaction volumes, and regulatory requirements. This creates a clear picture of which modules and configurations you need.
The Payments Archive is set up in your data center in line with your requirements. API integration with existing systems is carried out in parallel.
Existing archive data is migrated and validated. Integrity and completeness are checked before the system goes live.
The system goes live. Your teams are trained in using the search, dashboard, and reporting functions, enabling maximum independence in day-to-day operations.
During ongoing operations, regulatory and technical updates are implemented as soon as new requirements come into effect. Your archive remains permanently compliant and meets state-of-the-art security requirements, without any additional effort on your part.
All payment data is transmitted in encrypted form and processed exclusively in certified EU data centers. Immutable storage prevents subsequent manipulation. The system is aligned with recognized security standards, including ISO 27001 and OWASP.
We would be happy to discuss individual terms and conditions in a personal consultation.
Would you like to learn how the Consileon Payments Archive can modernize your archiving processes while meeting compliance requirements? Let’s talk. I would be happy to present the solution to you personally.
Marcin Kaczmarek
CEO at Consileon Polska
Marcin.Kaczmarek@consileon.pl
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