Origination Application Software connecting financial institutions to the Federal Reserve's FedGlobal International Payment Engine. The software performs international payments using the ACH rail system and NACHA formatted files to the FED. Previously, financial institutions utilized wire transfers payment systems to send international payments on behalf of their customer base, which resulted in a much higher cost/fees to the sender that practically guarantees beneficiary deductions to the receiver of funds. Using ACH vs. wire saves the sender as much as 90% on the upfront transaction cost.