Payment, Clearing & Settlement System

We customize payment frameworks for enterprises and unify their payments, and capital, control & financial management, which can then be applied to different scenarios to help form their own financial ecosystem.

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Payment, Clearing & Settlement System

Payment, Clearing & Settlement System

Product Introduction

Specializing in payment services, VFinance provides enterprises with account, payment and settlement systems covering capital receipt, payment & settlement, account management, risk management & control, and other functions. By satisfying their personalized requirements for data security, regulation compliance and internal financial system integration; improving their overall financial management and operation efficiency; and unifying payment, risk management and control & financial management channels under different scenarios; we can establish customized financial ecosystems for enterprises.

VFinance’s technology team for account, payment and settlement systems is the only one in the industry that has dealt with the management of multiple large-value accounts of more than  one trillion, and has maintained a zero accident record – a rarity in the industry.  Supported by our outstanding technologies, we have helped many licensed financial service institutions to obtain approval for their applications or extend the validity of their licenses, winning recognition from many supervision authorities, including the central bank.

System deployment model

VFinance offers customized system deployment models to build account, payment and settlement systems according to enterprises’ different demands.

Personalized deployment

Cloud deployment

Is your enterprise faced with the following challenges?


You have unsystematic financial management challenges and low operation efficiency

You mainly rely on manual account reconciliation to deal with large amounts of transactions. The lack of automated management results in low efficiency.


It’s difficult to achieve integrated capital management due to your diversified businesses

With diversified businesses and the gaps between information flow and cash flow, it is difficult to achieve integrated management.


You want to develop financial services but find it beyond your ability

Faced with strategic transformation, you seek to develop financial services but find it difficult to achieve them due to the lack of necessary basic financial infrastructure.


Strict regulations post high requirements for capital compliance

Faced with tightening regulations, you are in urgent need of meeting the security, accuracy and compliance requirements for capital management.

Product Features

  • Optimized capital management and control
  • Effective financial management
  • Greater capital compliance
  • Better data security

Unified receipt and payment channel

Completed account system

Risk management and control throughout transactions

Powerful settlement capability

Automated accounting management

Bank depository

Scenario-based marketing management

Product Applications


Application Scenario


Why VFinance?

Stable and secure operations

Our team has more than 10 years of experience in providing professional payment services and has handled Internet transactions worth more than a trillion RMB

Our payment system is capable of handling accounts worth 100 billion and transactions of one trillion RMB

Customized and flexible services

Our system has 200+ configuration items and can support 300+ modules and 60+ sub-systems to satisfy different demands across various scenarios

Our system can be customized to the changing needs of enterprises as they develop

Bank-level security

We meet ISO27000 requirements

We are PCI certified

With the monitoring of 100+ APIs and 200+ business data items, we are able to identify and locate errors in time, ensuring our system operates smoothly

Mature and Tested Practices

The systems we’ve built for more than 100 enterprises have been successfully put into operation. Over half of the enterprises we cooperate with are publicly listed or unicorn companies at home and abroad

Our system is in full compliance with payment license requirements and has been tested by many enterprises, winning recognition from many authorities, including the central bank

Learn more about VFinance
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