This topic describes how local payment systems are designed and implemented to meet the specific requirements of particular regions.

For example, NEFT is designed exclusively for domestic transactions within India, making it irrelevant in Europe, while SEPA operates within Europe and is not applicable for payments in Asia. Oracle Banking Digital Experience offers out-of-the-box support for select local payment systems, as specified in the Transaction Host Integration Matrix. For on-premises implementations, it also allows implementation partners to configure and toggle specific fields to align with regional payment requirements via the back end. However, implementation partners may need to integrate region-specific networks with underlying product processors or, in some cases, further customize the payments to meet the unique needs of the domestic payments in the region.