Instant Payments

Accelerate your time to market for instant payments

Faced with high customer demands, banks and financial institutions nowadays are expected to offer instant payment capabilities. The development of real-time processing technology with 24/7 service availability requires huge investments. So how do you make a profitable business case?

equensWorldline supports you in this challenge by offering solutions for instant payments back-office processing, based on our high-performance infrastructure.

Our processing is in full compliance with the European Payments Council’s SCTinst scheme and, in addition, delivers any local community instant payment scheme(s) adjustments. We offer a full integration with your account management and sanctions-filtering applications. Furthermore, we will connect you to any Clearing and Settlement Mechanism for Instant Payments. We can enhance the service by adding any of the other services, such as SEPA payments.

Covering the whole value chain for Instant Payments

As a frontrunner in payments, we have the unique capability to cover the whole value chain, from white-label channel solutions for payment initiation to back-office processing and clearing & settlement that also benefits the end-customer. This way we are making European Instant Payments a reality.

Functionalities

Real-time processing and 24/7 service availability of Instant Payments
Processing in full compliance with the European Payments Council’s SCTinst scheme
Any additional compliance with the local community instant payment schemes
Full integration with banks’ account management and sanctions-filtering applications
Two-way connectivity to any clearing and settlement mechanism for instant payments
State-of-the-art GUI (Graphical User Interface) offering full track-and-trace
Provision of transaction data via API and other technologies

Value for our clients

Offer Instant Payments with a short time to market
Reduce costs by avoiding one-off infrastructure investments as our solution is already available
No need to worry about changing scheme compliance requirements
Combine easily with other payments types such as SEPA, domestic and multi-currency payments on the same platform
Quickly adapt your service in the future should your or your clients’ requirements change

Making Instant Payments a reality


It can be a challenge for banks and merchants to keep up with the fast-paced instant payments. If the end-to-end processing will happen within seconds with Instant Payments, every step in the payment process needs to speed up. The initiation, and the validation of payments should be processed in real-time and 24/7/365.

Being at the forefront of the payments industry, we can help you to make Instant Payments a reality. Interested?

Download our brochure

White paper

Enabling innovation through payments platform transformation

In this whitepaper, we examine how a rapidly changing financial environment is urging banks to rethink their business strategies and back-end operations.

Download whitepaper

Jürgen Eckert, Chairman of the Board of Directors, Degussa Bank AG

The complexity of the payments business is rapidly increasing. Growing regulatory requirements and new market developments like Instant payments place a major challenge for traditional financial institutions. Partnering with a specialized provider like equensWorldline that continuously updates its infrastructure to meet the regulatory requirements and constantly innovates enables us to strengthen our business with new services like instant or peer-to-peer payments.

Terry Smit, Manager Payments & Savings at de Volksbank

We selected the Instant Payments Back-Office Processing service, because equensWorldline offers outstanding value for money, a fast time to market and has a track record in offering demanding and critical services. Next to the simple and transparent price structure, we value the modular and future-proof concept of services. With this flexibility we can focus on items where we really can make a difference to our clients.

Contact our expert

Bruno Chataigner Product Marketing Manager

Bruno has been leading Regional and Global initiatives for 20+ years in both Banking and FinTech industries on Payments and Cash Management value propositions, located in various European countries. He’s currently responsible of the Back Office Processing Product suite for Banks and related, as part of the Business Process Outsourcing offering. Bruno holds a Master in Finance and MBA (with Distinction) from both ESSEC Business School and Mannheim Business School.

Contact Bruno

Bruno Chataigner

Product Marketing Manager

Our Instant Payments solutions

On this page you find extensive information about our Payments Processing Back-Office solutions for Instant Payments. In addition, we also provide Instant Payments Clearing & Settlement solutions, as well as Initiation and Channel solutions. Click on the links below to find more information about all our Instant Payments solutions.

Channel solutions

Instant Payments at your customers fingertips

Payments Processing Back-Office

Make your back-office ready for Instant Payments

Clearing and Settlement

Secure, low latency clearing of Instant Payments transactions

Are you looking for a software solution to manage your Instant Payments, rather than business process outsourcing?

Please visit our Payment & Liquidity Hub solution page.