Provides national interbank settlement and instant payment systems (Elixir, Euro Elixir, Express Elixir), SWIFT Service Bureau access, and domestic card clearing (Inkart) for banks, card issuers/acquirers and payment providers. Operates Ognivo for electronic account information and receivable-seizure document exchange, and offers cashless-payment tools including Szafir e-signature, Paybynet guaranteed online transfers, and Invoobill EBPP.