RS DigitalEdge™

An innovative multi-rail digital overlay service layer, a critical building block for digital transformation

Payment Software Appliance accelerating payment transformation

RS DigitalEdge™ is an open-source product that, on the one hand, enables the enterprise API capability for central payment infrastructure digitalization and, at the same time, accelerates building multiple API-led use cases across payments, open banking, and banking as a service for Financial Institutions and Fintech, as well as enables the transformation of the legacy payment infrastructure.

  • To build digital overlay services for business use cases

  • Expose internal services as open APIs for co innovation for 3rd parties

  • Protocol conversion for payment message format, communication format

Download

Features

RS DigitalEdge™ is an API-first cloud-ready digital overlay technology for clients to achieve faster time-to-market for their API-driven commercial use cases (overlay services).

It supports ISO 20022 data-rich protocol and offers out-of-box real-time payment APIs to deliver Request-for-Pay use cases. RS DigitalEdge™ delivers multi-tenancy and multi-rail capability, versatility to build varied use cases, and drive interoperability.

API-First | Cloud-First | | Developer-First | Microservices-based | ISO 20022 ready Real-time payment message infrastructure |Virtual services enabled Sandbox

Standardization of<br>message formats

Standardization of
message formats

ISO 20022 compliant with built-in adapters for ISO 8583 and native message formats

API<br>Advantage

API
Advantage

Provides a platform to enable exposing open payment API leveraging the existing internal systems

User<br>Management

User
Management

Provides user onboarding and management out of box and can integrate with external identities and access management systems

Enhanced<br>Protection

Enhanced
Protection

Provides an overlay layer to securely isolate internal applications from external interfaces

Cost<br>Reduction

Cost
Reduction

The persistence layer contains the meta data can be used for multiple purposes like replication of the hosted card management system or partner systems to reduce costly number of external API calls

Our demonstrated track record

RS Software the team that exclusively built UPI, world largest real time payment rail.

Setting the gold standard with RS DigitalEdge™. Innovative digital overlay service layer solution to accelerate payment transformation and money movement modernization.

Our demonstrated track record

In India, Google Pay and Walmart-owned PhonePe gained a major market share of digital payments. RS DigitalEdge™ built within the real-time payment platform, UPI, enables Fintech like Google Pay and PhonePe to leverage UPI’s API-based standardized payment message infrastructure to deliver real-time payment to hundreds of millions of Indians and SME businesses.

Our demonstrated track record

In North America, RS DigitalEdge™ is enabling benefits like operational and reconciliation efficiency, predictability in liquidity, efficient cash flow, using ISO 20022-based instant money movement for Corporate Payments use cases across multiple industry verticals.

Numbers are the best testimony to our credentials

8 mn
8 mn

transactions/month @500 TPS

>600K
>600K

merchants empowered by PSPs

12 banks
12 banks

rely on the solution

>8 years
>8 years

of experience in UPI and BBPS transaction processing

Insights

September 30, 2026 When the buyer is an AI agent: the control layer between agents and rails

Payments initiated by software on a customer’s behalf are arriving. The interesting questio

September 30, 2026 ISO 20022, year two: the return is in the data, not the migration

Fedwire finished its migration in July 2025. Lynx already runs on the standard. Most institutions

September 30, 2026 Collaborative intelligence below the Swift line

Shared fraud intelligence across banks is the right idea. The question for most institutions is w

October 30, 2025 Decades of Fintech Innovation - RS Software’s Journey in Shaping Global Payments

Real-time payments didn’t scale because of technology alone. They scaled because policy, in

Get in touch

Innovation DNA combines the best of RS corporate values to focus on constantly adding value to customers’ business

Contact

Copyright © 2022 | RS Software