Secure Payment File Transfer

Hi,
Currently we are using the SAP Classic programs ( RFFO* ) which produce our payment files and store them in a directory from where they can be transferred to another payment system, There is a couple of tools which we could use for this Connect:Direct , SecureFTP etc...
My Question is there a more secure way to transfer these files. i.e when it is sitting in the directory waiting to be transferred it is possible ( although unlikely ) that someone could change the data in the file. As it is a payments file it is very sensitive.
Has anyone come accross this problem before ?? Got any suggestions ?? Is there any system to system standard that we could be looking at eg. HTTP ?
My Question is not about the generation of the file, but more on the method of communication.
Any pointers would be appreciated.
Regards
Sharif Bouktila

Hi Thank you for your response. Do you have any information on that process ?? Is it secure FTP ? Is there any type of encryption which we could implement on the file ??
Rgs,
Sharif

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