Instant Payments Back-Office Processing

Be ready for instant payments with our real time 24/7/365 available processing platform

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Our proven technology is part of a highly modular back-office solution that satisfies your business needs across the entire SEPA Credit Transfer Instant (SCT Inst) value chain. 

As a founding member of both the European Digital Payments Industry Alliance (EDPIA) and the Open Finance Association (OFA), Worldline welcomes the current market evolution towards mandatory instant payments. 

Considering the ambitious timelines outlined within the EU Instant Payments Regulation, the time is now for European banks to enable instant payments as their new normal. 

Worldline has influenced the European adoption of instant payments as a contributing member of the European Payments Council (EPC) working group for the SCT Inst implementation when instant payments were introduced in 2017.

As the leading payments processor in Europe, we support small-, medium-, large-size Financial Institutions with end-to-end instant payments services.

Working with banks to ensure readiness for instant payments, we have identified several reasons why transitioning to SCT Inst is challenging.  

24/7/365 availability

Legacy IT infrastructure adaptations

Cloudification and the creation of ecosystems

Lack of resources to keep up with compliance in payments

Need for more efficient liquidity management

New services to be implemented such as Verification of Payee

Sanctions screening adaptations for the new regulation

Instant fraud detection

Cost control

Key features of our solution

  • End-to-end coverage of the instant payments value chain within our leading processing ecosystem  
  • Ability to provide 24/7/365 operations and support 
  •  Provision of comprehensive service or standalone features 
  • High throughput, low latency capabilities, ensuring optimal performance 
  • Flexible, configurable solution that can also be extended with additional instant payments schemes 
  • Accommodating your preferred delivery model from on-premise to Softwareas-a-Service (SaaS) in the cloud and up to full Business Process Outsourcing (BPO)
  •  Network connectivity service from our certified financial messaging bureau 

Your trusted partner for payments

Worldline processes millions of SCT Inst transactions daily, making us a leading processor of Instant Payments in Europe. 

  • Proven, standard onboarding in 4-6 weeks, reducing your project costs
  • Opportunity to be a part of a platform that can reduce your TCO of up to 25%, based on existing cases
  • With 50+ years of proven experience in payments, we support you with a seamless adoption of instant payments  

Our Instant Payments solution to respond to your compliance needs 

Full instant payments processing (sending and receiving), including individual and bulk instant payments with fulfilment of all regulatory and compliance requirements as well as access to TIPs, including interbank network connectivity. 

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Our modular offering can also expand to additional services

  • Verification of Payee
  • Instant fraud and sanctions screening
  • Additional CSM and interbank network connectivity
  • 24x7x365 mirrored client position
  • Extension to batch payments, high-value payments, crossborder payments and more, up to comprehensive payment outsourcing 

Would you like to learn more?

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