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A freight train on a curve of track at dusk, its wagons carrying the marks of the payment networks — Visa, Mastercard, SEPA, SWIFT, PIX and Open Banking — with the polished rails running out of the frame towards the viewer.

Direct CENTROlink integration — not a sponsor bank’s pricing.

How money moves is where most launches quietly lose their margin. Sitting behind a sponsor bank means paying their spread, clearing on their schedule, and living with the possibility that they reprice or exit. Direct scheme access removes all three.

Direct access to the payment rails. Without the toll gate.

Behind a sponsor bank
Payer’s bankSponsor bankYour institution

spread · cut-off times · repricing risk

Their margin on every euro, their clearing schedule, and a relationship that can be withdrawn at notice.

On Finomatica
Payer’s bankCENTROlinkBank of Lithuania · under your own membershipYour institution

direct · 24/7/365

Scheme cost, around the clock, and nobody in the middle able to reprice you.

01

No correspondent bank in the middle

Nobody taking a cut of every euro, setting your cut-off times, or able to reprice and withdraw the relationship at notice.

02

Euro payments at scheme cost, 24/7/365

SEPA Credit Transfer, SEPA Instant and Direct Debit clear straight through the Bank of Lithuania.

03

Under your membership, not ours

CENTROlink participation requires an EEA licence, so it runs under your institution’s own membership. The integration is ours — already built, already operated.

And everything beyond the euro.

Direct scheme access is what the euro costs. The rest of the map is reached the way everyone reaches it — the difference is that every leg of it posts to the same ledger the balances are read from, so nothing is reconciled afterwards.

SWIFT
International wires beyond the euro area, on the same ledger as everything inside it.
Local schemes
Local payment methods and bank rails across 30+ markets — PIX in Brazil, local wallets and bank rails elsewhere.
Open Banking A2A
Payment initiation and pay-by-bank checkout, account information with consent, and account-to-account payouts and refunds — where your licence permits.
Card schemes
Mastercard programme management at scheme level, with 3-D Secure and spend controls on the same customer record.
Intelligent routing
Each payment sent over the provider that suits its corridor, its currency and its cost — decided per payment, not fixed per rail.
Batch and mass payouts
Many recipients on one instruction, and bulk outbound files for payroll, marketplace settlement and refunds.
Refunds and chargebacks
The full lifecycle, back over the rail the payment arrived on.
Settlement
Scheduling and reporting, with every leg posting to the ledger the balances are read from.