NetaPAY seamlessly manages debtor positions generated by multiple subsystems and enables real-time recording of payments through the PagoPA multichannel network (with over 400 PSPs).

The system automatically receives, processes, and manages the reporting flows notified by PSP, linking them to the corresponding debtor positions and generating accounting entries. These are stored in an internal repository, enabling structured access to the files.

NetaPAY enables automated reconciliation between bank transactions and reporting flows, highlighting any anomalies (discrepancies, shortfalls) through configurable workflows.

It supports the main payment models provided by PagoPA: Model 1 — direct payment via the Creditor Entity’s portal or app; Model 3 — payment through PSPs (e.g., ATMs, home banking, physical branches). NetaPAY manages standard interfaces such as payment verification, outcome notification, and electronic receipts in XML/PDF format.

NetaPAY provides standard connectors for the most widely used intermediaries and supports open integration methods, enabling interoperability with both Neta systems and portals and third-party and platforms. This ensures scalability and independence from the Creditor Entity’s technological infrastructure.

The platform is designed for multi-tenant management (multitenancy), enabling the delivery of payment services as a service to multiple organizations, each with its own subscribers, users, and customized processes.

Management of the Expected Payments Archive (APA) in the cloud, shielding management systems from unnecessary intrusion risks, with technology focused on security and performance

System designed to handle hot updates, separated from management systems to allow for both routine and extraordinary maintenance.

Ready-to-use and fully operational solution: with just a few clicks, you can configure the new provider and choose from the available technology partners to be immediately integrated with PagoPA.

An ecosystem that has been in operation for some time — a mature, well-tested, and consolidated system.

Features a highly competitive per-transaction pricing model, offering minimal costs for public entities and operators — outperforming many alternatives on the market.

With a single code (NAV/IUV), the customer can make secure payments through over 400 PSPs across a wide range of channels (ATMs, apps, home banking, and physical branches). Before making the payment, they have full transparency on the amounts and any applicable fees.

The customer decides where, how, and with whom to pay, leveraging competition among PSP to get the best service — with no constraints and maximum flexibility.

Payments are credited as early as the day after the transaction, with guaranteed automatic reconciliation: unauthorized or unmatched payments are not allowed.

Process automation drastically reduces the risk of duplicate or incorrect payments, streamlining operations for the Collections Office and improving service quality.

NetaPAY empowers real-time payment notifications, unlocking innovative digital services like automatic document issuance, seamless case processing, real-time position updates, and beyond.

Thanks to a competitive economic model and the drastic reduction of manual activities, the solution enables more efficient collections at optimized costs