Understanding the value and challenges of Instant Payments

Instant Payments is a fundamental development in the payments industry and – together with PSD2 and Access to Accounts – will have a significant impact on every player involved. To enhance a full understanding, we would like give a deeper insight into some of the more challenging and interesting aspects of Instant Payments.

Instant Payments has the potential to offer tremendous value to its users. With the instant availability of funds and the active acknowledgment towards both the beneficiary as well as the originator, there is a plethora of use cases to explore.
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The potential of Instant Payments is definitely there, but this does come with challenges. The very low latency, combined with the very high availability requirements pose several technical challenges. This section explores some of the challenges and potential solutions.
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One of the big challenges in Instant Payments is organizing pan-European reach. With the implementation of SEPA, the payments industry in Europe has made big steps towards a harmonized market, and it is imperative that we build upon that approach while implementing Instant Payments. Interoperability between Automated Clearing Houses (ACHs) to ensure maximum reach and the use of Target Instant Payments Settlement (TIPS) to complement this is crucial. This section explores the different options.
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Thomas Feiler, Head of Payments Product Management at equensWorldline

“Instant Payments is a hot topic in payments, with initiatives being implemented across Europe. I believe there’s tremendous value in these local initiatives, as they are able to tailor the solutions to the specific requirements in a community. I don’t believe in a one-size-fits-all solution, but there is a need to connect these local initiatives to make sure Instant Payments can be used across Europe seamlessly.”

Investments for Instant Payments will make payments as convenient and easy as possible

The introduction of instant payments, real-time payments, will lead to a huge upheaval. Instant Payments are a hot topic and there is a reason for that. The estimated investments are higher than the introduction of the euro. These investments are necessary to make payments as convenient and easy as possible for the end user. In his blog post Michael Steinbach, CEO equensWorldline, summarizes the developments of Instant Payments for the banks and their customers.
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The challenges of (and the potential solutions for) processing Instant Payments

Low latency, 24/7 availability, connectivity and scalability. When it comes to processing Instant Payments, these are the four main challenges for banks and processors. This new and faster way to make payments has a lot of market potential, but the underlying infrastructures and processes need to be upgraded to facilitate the Instant Payments. What are the technical challenges that come with the processing of Instant Payments and what are the potential solutions?
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Our Instant Payments solutions

As a frontrunner in payments, equensWorldline has the unique capability to cover the whole value chain for Instant Payments, from payment initiation and channel solutions that directly benefit the end-customer, to back-office processing and clearing & settlement. Whatever Instant Payments solution you require, equensWorldline covers your needs.

Initiation and 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 

Related links

ECB – Instant Payments

The European Central Bank about the benefits of instant payments and the call for a European approach 

Achieving pan-European reach in Instant Payments through interoperability

Blog article about how local initiatives should connect to create European Instant Payments