If you are looking for product which allows to configure various payment message formats and message transfer mechanism, then Q-Mandate fits your requirement. Payment formats can be configured bank wise and linked to the method in which particular bank needs payment file to be transferred to them. Q-Mandate is empowered by recon engine which allows to reconcile the transactions processed using Q-Mandate application.

Q-Mandate not only automates the onward payment processing but the received response or incoming transaction is also handled and appropriate payment engine gets the data.
Pre-authorized debit formats can be handled by using Q-Mandate for processing.API of the product allows to connect with core application and upload payment files or process it by integration.