Consileon Payments Archive - 2026 Pricing, Features, Reviews & Alternatives

Consileon Payments Archive is an audit-proof payment archiving solution designed for banks and payment institutions that require long-term preservation and retrieval of transaction data. The solution addresses the complexity of managing payment records as transaction volumes reach hundreds of millions per day and regulatory requirements intensify under entities such as BaFin, the European Central Bank, and the Deutsche Bundesbank. Financial institutions processing high volumes of transactions can achieve compliance with European Union requirements such as the sixth Anti-Money Laundering Directive and the Payment Services Regulation while reducing the total cost of ownership associated with legacy archiving methods.

The platform automates the capture, classification, and storage of payment data via API connections or batch import processes on scheduled intervals or in real time. It supports common formats including SEPA single and bulk payments, PACS messages under ISO two thousand twenty two standards, SWIFT communications, and paper-based payment records. All records are stored in encrypted form according to the Write Once Read Many principle to prevent subsequent modification and to ensure adherence to German principles for proper accounting and banking supervision requirements.

A high-performance search and retrieval engine locates individual payments or bulk transaction runs in seconds for compliance officers, internal auditors, or external reviewers. Retention periods are managed and documented by the system and compliance reporting functions automatically generate reports required by the European Central Bank, Deutsche Bundesbank, and BaFin with accompanying evidence for regulatory obligations. An intuitive user interface offers dashboard and analytical views to support efficient daily workflows and to minimise manual effort.

Integration with existing banking IT landscapes occurs through open APIs that link to core banking systems, payment platforms, and reporting tools without complex migrations. All data transmissions are encrypted and processed in certified European Union data centres aligned with ISO twenty seven thousand one and OWASP security standards. Implementation follows a structured methodology beginning with format and volume analysis, followed by system installation, optional data migration and validation, and user training. Regulatory and technical updates are applied automatically to maintain continuous compliance as requirements evolve.