Instant / Real-Time Payments

Montran’s Instant Payments solution and Montran’s Instant Payment Value-Added Services pave the way towards a 24/7 interoperable, financially inclusive, cashless society.

At A Glance

Montran’s Instant Payments Solution (IPS) is a robust 24/7, high-capacity, retail focused payment solution. IPS processes individual payments in real-time, at a high TPS rate and with a guaranteed end-to-end payment processing latency of a few seconds. Montran’s complete IPS ecosystem can deliver turnkey solutions to all actors in the retail focused payment space: Banks, PSPs, Corporates, End Users, and Merchants.

Related Solutions

Solution Highlights

High Availability and Performance

Montran’s IPS solution is the perfect match for the demanding requirements of 24/7 processing, always on, retail focused payment rails. Montran’s IPS provides the instant availability of funds in the beneficiary’s account, irrevocability, and the assurance of delivery.

Open Standards for Maximum Interoperability

Montran is an early adopter of open, emerging communication standards: all IPS interactions are based on the ISO20022 messaging open standard. The solution is in full compliance with many global Instant Payments Schemes including the SEPA SCTInst payment schema developed by the European Payments Council and the US TCH Real-Time Payments System.

Value-Added Services Suite

Montran’s IPS solution encompasses a number of optional Value-Added Services:

  • Proxy Database
  • Fraud Detection
  • Compliance Enforcement
  • Digital Wallet
  • Mobile Payment Applications
  • eCommerce Integration

The Value Added Services suite enables IPS operators to optimally roll out new products to match present and future market expectations, all from a unified and coherent IPS platform.

Comprehensive Connectivity and Open API Solutions

As part of the IPS Platform, Montran provides solutions to facilitate easy access and integration with the back-office systems of the IPS participants, including but not limited to Technical Connectivity, Open APIs and Stand-In Accounting.

Benefits

A COMPLETE, INTEROPERABLE INSTANT PAYMENTS ECOSYSTEM

Montran can provide Instant Payments operators with all the necessary modules and solutions that are needed to integrate every possible actor in the Instant Payments space: financial and non-financial institutions, corporates, payment services providers, merchants, and retail users.

A FUTURE PROOF PLATFORM

Modular and stackable components meet the system operator’s needs for performance and interconnection, allowing for flexible expansion.

EASY PARTICIPANT ONBOARDING

Participants to the Instant Payments Solution can connect using APIs built on industry standards such as HTTP and Web Services for the origination and reception of Instant Payments and confirmations. Montran can also provide the Instant Payments Portal that aids institutions in connecting their back office systems with the Central IPS, providing immediate SLA compliance and message format compatibility.

MAXIMIZE FINANCIAL INCLUSION

The Montran IPS seamlessly connects existing digital wallets, aggregators, e-commerce providers, and payment providers to maximize interoperability and promote financial inclusion.

At A Glance

Montran’s Instant Payments Solution (IPS) is a robust 24/7, high-capacity, retail focused payment solution. IPS processes individual payments in real-time, at a high TPS rate and with a guaranteed end-to-end payment processing latency of a few seconds. Montran’s complete IPS ecosystem can deliver turnkey solutions to all actors in the retail focused payment space: Banks, PSPs, Corporates, End Users, and Merchants.

Related Solutions

Learn More About Complementary Services Montran Can Additionally Deliver

Do More with Montran

For any questions regarding our solutions and services, our industry experts are here to help.