DXC Partners With Aptys to Modernize US Payments

DXC Technology has partnered with Aptys Solutions in a move aimed at modernizing how US financial institutions connect to and manage payments services.

The companies said the collaboration is designed to reduce operational burdens for banks and credit unions while expanding access to emerging payments capabilities.

The partnership brings together Aptys’ payments connectivity and orchestration platform, which is already used by more than 5,500 community banks and credit unions, with DXC’s broader banking transformation services.

The integrated solution will allow institutions to streamline processing across ACH, wire transfers, digital channels, and instant payment networks, including FedNow and RTP.

Smaller and mid-sized institutions have been under increasing pressure to support real-time payments, embedded finance, and more advanced fraud controls, all while relying on legacy systems. DXC said the collaboration aims to provide these firms with a pragmatic path to modernization without requiring a full core overhaul.

“FIs are seeking practical ways to modernize payments while managing cost, complexity, and risk,” said Sandeep Bhanote, global head and general manager of financial services at DXC. He added that the combined approach would help institutions adopt modern systems incrementally, minimizing disruption.

A key focus of the initiative is to shift more value back toward financial institutions by enabling direct bank-to-bank connectivity for account verification, messaging, and transactions. Many of these services are currently mediated by third-party providers that retain a portion of the economics.

Initial work will center on foundational API-based services, with plans to expand into digital wallets, custody, and wealth management in later phases.

The partnership comes amid broader payments infrastructure modernization across the US, as real-time capabilities and interoperability become critical competitive requirements.