Real-time payments that never sleep
We help banks, payment operators and fintechs design and run instant payment platforms that move money in seconds, around the clock, with ISO 20022 messaging, live liquidity control and new services built on top.
What our clients are up against
Always on, no maintenance window
Platforms built for daily batches must now process, settle and reconcile continuously, including weekends and holidays.
Liquidity and risk in real time
Funds leave the moment a payment is accepted, so treasury, fraud and risk teams need live visibility rather than end-of-day reports.
More than moving money
Cardholders and businesses expect request-to-pay, QR code payments and open banking services, not just faster transfers.
How we cover Real-Time Payments
Messaging and orchestration
Build the message flows that carry every instant payment and its status.
- ISO 20022 orchestration across pacs.008, pacs.002, camt.054 and pain.001
- API-driven payment initiation and status inquiry
- Request-to-pay and payment initiation workflows
- Open banking and PSD2 (EU Payment Services Directive) compliance
Clearing, settlement and liquidity
Make sure every instant payment settles correctly and funds are always available.
- Clearing and settlement engine architecture for instant payments
- Real-time gross settlement (RTGS) integration
- Real-time liquidity management and risk monitoring
- Reconciliation and exception handling for instant payments
Modernization and new services
Extend existing payment rails and add services cardholders and businesses use.
- Instant credit transfer and automated clearing house (ACH) modernization
- Cross-border instant schemes, including SWIFT gpi (global payments innovation) and TARGET Instant Payment Settlement (TIPS)
- Overlay services such as request-to-pay and QR code payments
Resilience and fraud control
Keep the platform available and safe without slowing payments down.
- High availability and 24/7 operational readiness
- Fraud detection designed for real-time payment networks
Ways to work with us
Architecture review
An independent assessment of your readiness for instant payments, from messaging to liquidity and operations.
Platform design & delivery
Senior architects who design the instant payment platform and work alongside your teams and vendors through go-live.
Team training
Hands-on programs that bring your engineers, operations and risk teams up to speed on ISO 20022 and instant payments.
Build your team's capability
Our real-time payments modules can be delivered as a standalone program or tailored to your platform.
Request informationTraining modules
- ISO 20022 Messaging Standards and Payment Flows
- Real-Time Payment Architecture and Design
- Real-Time Payments Fraud Detection and Compliance Monitoring
- Instant Payment Settlement and Clearing Workshop
- Request-to-Pay Implementation Lab
- Open Banking and API Integration for Payments
Services, case studies and tools
How is an instant payment platform different from what we run today?
Traditional batch systems collect payments and settle them later, often once a day. Instant payment platforms accept, clear and settle each payment in seconds, at any hour. That changes how you manage liquidity, detect fraud, staff operations and reconcile accounts. We help you plan for each of these, not only the technology.
What is request-to-pay?
Request-to-pay is a service where a business sends a payment request that the payer approves in their banking app, and the money then moves over instant payment rails. It can replace invoices, direct debits and some card payments. We design the request, approval and status flows and connect them to your existing channels.
Do we need ISO 20022 for real-time payments?
Most instant payment schemes and high-value systems now use ISO 20022, a richer message standard that carries more structured data than older formats. Many institutions still run ISO 8583 for cards alongside it. We design message mapping and transformation so both coexist on one platform.
How do you approach fraud when payments settle in seconds?
Fraud checks must run before the payment is accepted, within the scheme's time limit. We design scoring that combines rules, behavioral signals and machine learning, with clear thresholds for when to approve, hold or decline. We also plan the operational processes for disputes and recovery after funds have moved.
Let's build payments that never sleep
Talk to a senior consultant about your instant payments roadmap.