{ "generatedFrom": "Payments Signal canonical architecture registry", "reviewDate": "2026-07-23", "blueprint": { "id": "architecture-instant-payments", "slug": "instant-payments-timeout", "title": "Instant-payment processing, settlement, timeout, and 24×7 operations architecture", "shortTitle": "Instant payments", "family": "settlement", "summary": "Makes the service clock, bounded controls, funded settlement, receiver response, late-status ordering, and 24×7 recovery responsibilities explicit.", "audience": "Instant-payment architects, fraud and sanctions teams, operations, SRE, product, and business analysts", "reviewDate": "2026-07-23", "versionLabel": "Payments Signal reference architecture v1", "status": "current", "nodes": [ { "id": "instant-payer", "title": "Payer channel and confirmation", "kind": "channel", "summary": "Captures an always-available payment intent and tells the payer what is known within a short time budget.", "responsibilities": [ "Authenticate and confirm the payer's intent", "Show a truthful pending, rejected, or completed outcome" ], "owner": "Digital channel", "inputs": [ "Payer, payee, amount, account or proxy, confirmation" ], "outputs": [ "Idempotent instant-payment request" ], "interfaceContracts": [ "Channel API and customer-status contract" ], "controls": [ "Authentication", "Entitlement", "Confirmation", "Client idempotency key" ], "failureModes": [ "Repeated tap", "Channel timeout", "Stale payee verification" ], "recovery": [ "Enquire using the same reference", "Do not create a second payment while outcome is unknown" ], "lenses": [ "business", "applications", "controls" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fast-payment end-user and service characteristics", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "instant-sender", "title": "Sending instant-payment engine", "kind": "application", "summary": "Completes validation, controls, posting intent, routing, and submission inside the service time budget.", "responsibilities": [ "Validate and route quickly", "Coordinate screening and fraud decisions", "Reserve or debit under policy" ], "owner": "Sending payment product and technology", "inputs": [ "Confirmed instant-payment request", "Reference and risk data" ], "outputs": [ "Network instruction and durable pending state" ], "interfaceContracts": [ "Instant rail message and timeout contract" ], "controls": [ "Duplicate detection", "Account and funds check", "Time-budget enforcement" ], "failureModes": [ "Control exceeds time budget", "Unknown network outcome", "Internal posting lag" ], "recovery": [ "Stop or time out under the rail rules", "Reconcile before retry", "Release reservations from proven outcomes" ], "lenses": [ "applications", "data", "controls", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fast-payment processing and availability", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" }, { "ref": { "sourceId": "payments-signal-editorial", "locator": "Participant instant engine", "label": "simplified-educational-illustration", "simplifications": "Internal control ordering and posting policy are participant-specific." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ], "messageIds": [ "pacs-008", "pacs-002" ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "instant-controls", "title": "Real-time fraud, sanctions, and payee controls", "shortTitle": "Real-time controls", "kind": "control", "summary": "Returns a clear, reasoned outcome without letting a control timeout become an accidental approval.", "responsibilities": [ "Assess transaction and party risk", "Apply payee-verification outcome where the service uses it" ], "owner": "Fraud and financial crime teams", "inputs": [ "Payment, customer, device, party, list, and behavioural data" ], "outputs": [ "Clear, stop, challenge, or controlled timeout" ], "interfaceContracts": [ "Bounded-latency control API with explicit unavailable outcome" ], "controls": [ "Fail-safe policy", "List freshness", "Model/rule version", "Decision audit" ], "failureModes": [ "Control timeout", "False positive", "Stale list or model" ], "recovery": [ "Apply the documented fail-safe outcome", "Investigate without hiding the payment state" ], "lenses": [ "controls", "ownership", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Risk and fraud considerations for fast payments", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" }, { "ref": { "sourceId": "epc-vop-rulebook", "locator": "Verification of Payee scheme rules", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC Verification of Payee rulebook" } ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "instant-network", "title": "Instant clearing and routing service", "kind": "external-network", "summary": "Validates and routes the payment or settlement instruction continuously under the rail’s timeout rules.", "responsibilities": [ "Confirm participant reachability", "Apply rail validation and duplicate controls", "Route or settle within the service clock" ], "owner": "Instant-payment infrastructure operator", "inputs": [ "Instant-payment message" ], "outputs": [ "Acceptance, rejection, timeout, or settlement outcome" ], "interfaceContracts": [ "Current instant scheme and message profile" ], "controls": [ "Participant status", "Duplicate detection", "Service clock", "Availability" ], "failureModes": [ "Unavailable receiver", "Network timeout", "Duplicate or invalid message" ], "recovery": [ "Return the rule-defined outcome", "Support status enquiry and exception handling" ], "lenses": [ "interfaces", "data", "controls", "resilience" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fast-payment system characteristics", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "messageIds": [ "pacs-008", "pacs-002", "pacs-028" ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "instant-settlement", "title": "Instant settlement accounts", "kind": "ledger", "summary": "Moves central-bank or designated settlement asset per transaction or under the rail’s funded model.", "responsibilities": [ "Check funded capacity", "Post the settlement movement", "Return finality evidence" ], "owner": "Central bank or instant-settlement operator", "inputs": [ "Eligible instant settlement instruction" ], "outputs": [ "Settlement debit and credit" ], "interfaceContracts": [ "Instant settlement and prefunding rules" ], "controls": [ "Available funds", "Atomic posting", "Finality evidence" ], "failureModes": [ "Insufficient prefunding", "Settlement service unavailable", "Posting uncertainty" ], "recovery": [ "Reject or queue only where rules permit", "Reconcile the authoritative ledger before reopening" ], "lenses": [ "ledger", "controls", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fast-payment settlement models", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" }, { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 7, 8, 9 and 17 where applicable", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "instant-receiver", "title": "Receiving instant-payment engine", "kind": "application", "summary": "Validates the beneficiary and posts funds once the rail’s conditions and settlement evidence are satisfied.", "responsibilities": [ "Validate the destination account", "Respond within the rail clock", "Post once and report availability" ], "owner": "Receiving payment product and technology", "inputs": [ "Instant payment", "Settlement outcome" ], "outputs": [ "Beneficiary posting and response" ], "interfaceContracts": [ "Receiving-participant response and posting contract" ], "controls": [ "Account status", "Duplicate posting protection", "Settlement-state check" ], "failureModes": [ "Invalid account", "Receiver response timeout", "Core ledger unavailable" ], "recovery": [ "Return the rule-defined response", "Repair posting idempotently after confirmed settlement" ], "lenses": [ "business", "applications", "ledger", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fast-payment receiving and availability characteristics", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "messageIds": [ "pacs-002", "pacs-004" ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "instant-reporting", "title": "Status, exception, and reconciliation service", "shortTitle": "Status & reconciliation", "kind": "operations", "summary": "Connects customer status, network outcome, settlement, participant posting, return, and investigation evidence.", "responsibilities": [ "Answer status enquiries from authoritative state", "Reconcile timeouts and late outcomes", "Control returns and investigations" ], "owner": "Instant-payment operations", "inputs": [ "Network status", "Settlement evidence", "Participant postings", "Customer enquiry" ], "outputs": [ "Truthful customer status", "Resolved timeout", "Return or investigation" ], "interfaceContracts": [ "Status and exception state model" ], "controls": [ "Original-reference integrity", "Late-status ordering", "Four-eyes funds action" ], "failureModes": [ "Late positive response after customer timeout", "Duplicate return", "Conflicting participant states" ], "recovery": [ "Establish settlement first", "Correct customer status without duplicating value", "Use the rail's exception path" ], "lenses": [ "data", "controls", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fast-payment risk and operational considerations", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "messageIds": [ "pacs-002", "pacs-004", "pacs-028", "camt-056", "camt-029" ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "instant-resilience", "title": "24×7 service operations and continuity", "shortTitle": "24×7 operations", "kind": "operations", "summary": "Maintains round-the-clock observability, capacity, failover, change, and incident ownership.", "responsibilities": [ "Operate without a daily recovery window", "Coordinate participant and infrastructure incidents", "Protect the service clock during failover" ], "owner": "Participant and infrastructure service operations", "inputs": [ "Latency, queue, error, liquidity, and dependency telemetry" ], "outputs": [ "Incident action, capacity action, continuity decision" ], "interfaceContracts": [ "24×7 operations, maintenance, and escalation model" ], "controls": [ "Error budget", "Change freeze and rollback", "Failover test", "On-call ownership" ], "failureModes": [ "Cascading dependency latency", "Capacity exhaustion", "Uncoordinated maintenance" ], "recovery": [ "Shed or stop safely under the rules", "Fail over without duplicate value", "Reconcile in-flight payments" ], "lenses": [ "ownership", "operations", "resilience", "controls" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Availability and operational implications", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" }, { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principle 17 where applicable", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] } ], "interfaces": [ { "id": "instant-e1", "from": "instant-payer", "to": "instant-sender", "title": "Confirmed instant request", "kind": "api", "mode": "synchronous", "purpose": "Start one idempotent payment and its end-to-end time budget.", "failureBehaviour": "A channel timeout preserves the client reference for enquiry.", "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "End-user fast-payment experience", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "instant-e2", "from": "instant-sender", "to": "instant-controls", "title": "Bounded control request", "kind": "control", "mode": "synchronous", "purpose": "Obtain explicit fraud, sanctions, and payee-control outcomes.", "failureBehaviour": "Unavailable or late controls follow a documented fail-safe outcome.", "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fraud and risk considerations", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "instant-e3", "from": "instant-sender", "to": "instant-network", "title": "Instant payment submission", "kind": "message", "mode": "asynchronous", "purpose": "Submit the payment once participant checks and controls pass.", "messageIds": [ "pacs-008" ], "failureBehaviour": "An ambiguous send is enquired before any retry.", "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fast-payment processing", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "instant-e4", "from": "instant-network", "to": "instant-settlement", "title": "Per-payment settlement", "kind": "settlement", "mode": "synchronous", "purpose": "Move funded settlement asset under the rail's model.", "failureBehaviour": "Insufficient funds or unavailable settlement returns the rule-defined outcome.", "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Settlement models", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" }, { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 7 and 8", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "instant-e5", "from": "instant-network", "to": "instant-receiver", "title": "Routed payment and response", "kind": "message", "mode": "asynchronous", "purpose": "Deliver the payment and receive the beneficiary validation result.", "messageIds": [ "pacs-008", "pacs-002" ], "failureBehaviour": "A missing receiver response becomes a precise timeout state, not an automatic success.", "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fast-payment processing and operational risk", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "instant-e6", "from": "instant-settlement", "to": "instant-receiver", "title": "Settlement evidence", "kind": "event", "mode": "asynchronous", "purpose": "Prove the settlement state used by the receiver's posting policy.", "failureBehaviour": "Delayed evidence is reconciled before duplicate or reversal action.", "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principle 8", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "instant-e7", "from": "instant-receiver", "to": "instant-reporting", "title": "Beneficiary outcome", "kind": "event", "mode": "asynchronous", "purpose": "Record the receiving decision and posting state.", "messageIds": [ "pacs-002", "pacs-004" ], "failureBehaviour": "Late or conflicting outcomes enter ordered reconciliation.", "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Operational and exception considerations", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "instant-e8", "from": "instant-reporting", "to": "instant-payer", "title": "Customer outcome", "kind": "api", "mode": "synchronous", "purpose": "Tell the payer only the outcome supported by current evidence.", "failureBehaviour": "Unknown remains pending or timed out; it is not changed to failed merely to close the screen.", "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "End-user service and risk considerations", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "instant-e9", "from": "instant-network", "to": "instant-resilience", "title": "Service-clock telemetry", "kind": "operator", "mode": "asynchronous", "purpose": "Expose availability, latency, error, and participant health.", "failureBehaviour": "Telemetry loss raises an incident and does not fabricate payment status.", "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Availability and operational implications", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] } ], "views": [ { "id": "context", "label": "Context", "plainPurpose": "Who depends on the architecture, which external service it reaches, and where value ultimately moves.", "nodeIds": [ "instant-payer", "instant-sender", "instant-network", "instant-settlement", "instant-receiver" ], "interfaceIds": [ "instant-e1", "instant-e3", "instant-e4", "instant-e5", "instant-e6" ], "placements": { "instant-payer": { "x": 80, "y": 100, "width": 244, "height": 126 }, "instant-sender": { "x": 444, "y": 100, "width": 244, "height": 126 }, "instant-network": { "x": 808, "y": 100, "width": 244, "height": 126 }, "instant-settlement": { "x": 80, "y": 326, "width": 244, "height": 126 }, "instant-receiver": { "x": 444, "y": 326, "width": 244, "height": 126 } }, "boundaries": [ { "id": "context-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "instant-payer", "instant-sender", "instant-settlement", "instant-receiver" ], "kind": "ownership" } ] }, { "id": "container", "label": "Container", "plainPurpose": "The major applications, stores, gateways, controls, and operational ownership boundaries.", "nodeIds": [ "instant-payer", "instant-sender", "instant-controls", "instant-network", "instant-settlement", "instant-receiver", "instant-reporting", "instant-resilience" ], "interfaceIds": [ "instant-e1", "instant-e2", "instant-e3", "instant-e4", "instant-e5", "instant-e6", "instant-e7", "instant-e8", "instant-e9" ], "placements": { "instant-payer": { "x": 80, "y": 100, "width": 196, "height": 126 }, "instant-sender": { "x": 376, "y": 100, "width": 196, "height": 126 }, "instant-controls": { "x": 672, "y": 100, "width": 196, "height": 126 }, "instant-network": { "x": 968, "y": 100, "width": 196, "height": 126 }, "instant-settlement": { "x": 80, "y": 326, "width": 196, "height": 126 }, "instant-receiver": { "x": 376, "y": 326, "width": 196, "height": 126 }, "instant-reporting": { "x": 672, "y": 326, "width": 196, "height": 126 }, "instant-resilience": { "x": 968, "y": 326, "width": 196, "height": 126 } }, "boundaries": [ { "id": "container-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "instant-payer", "instant-sender", "instant-controls", "instant-settlement", "instant-receiver", "instant-reporting", "instant-resilience" ], "kind": "ownership" } ] }, { "id": "component", "label": "Component", "plainPurpose": "The processing responsibilities and interface contracts that must cooperate for one payment.", "nodeIds": [ "instant-payer", "instant-sender", "instant-controls", "instant-network", "instant-settlement", "instant-receiver", "instant-reporting", "instant-resilience" ], "interfaceIds": [ "instant-e1", "instant-e2", "instant-e3", "instant-e4", "instant-e5", "instant-e6", "instant-e7", "instant-e8", "instant-e9" ], "placements": { "instant-payer": { "x": 80, "y": 100, "width": 196, "height": 126 }, "instant-sender": { "x": 376, "y": 100, "width": 196, "height": 126 }, "instant-controls": { "x": 672, "y": 100, "width": 196, "height": 126 }, "instant-network": { "x": 968, "y": 100, "width": 196, "height": 126 }, "instant-settlement": { "x": 80, "y": 326, "width": 196, "height": 126 }, "instant-receiver": { "x": 376, "y": 326, "width": 196, "height": 126 }, "instant-reporting": { "x": 672, "y": 326, "width": 196, "height": 126 }, "instant-resilience": { "x": 968, "y": 326, "width": 196, "height": 126 } }, "boundaries": [ { "id": "component-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "instant-payer", "instant-sender", "instant-controls", "instant-settlement", "instant-receiver", "instant-reporting", "instant-resilience" ], "kind": "ownership" } ] }, { "id": "deployment", "label": "Deployment", "plainPurpose": "The trust zones, runtime dependencies, external connections, and recovery boundaries.", "nodeIds": [ "instant-sender", "instant-network", "instant-settlement", "instant-receiver" ], "interfaceIds": [ "instant-e3", "instant-e4", "instant-e5", "instant-e6" ], "placements": { "instant-sender": { "x": 80, "y": 100, "width": 244, "height": 126 }, "instant-network": { "x": 444, "y": 100, "width": 244, "height": 126 }, "instant-settlement": { "x": 808, "y": 100, "width": 244, "height": 126 }, "instant-receiver": { "x": 80, "y": 326, "width": 244, "height": 126 } }, "boundaries": [ { "id": "deployment-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "instant-sender", "instant-settlement", "instant-receiver" ], "kind": "ownership" } ] } ], "traces": [ { "id": "instant-payment-trace", "label": "One funded instant credit transfer", "summary": "Follow one payment through payer confirmation, bounded controls, network routing, settlement, beneficiary posting, and customer status.", "viewId": "component", "steps": [ { "id": "instant-payment-trace-step-1", "title": "Payer confirms once", "nodeId": "instant-payer", "plainExplanation": "The channel creates one stable reference and starts the service clock.", "businessState": "Customer confirmed" }, { "id": "instant-payment-trace-step-2", "title": "Sender validates and funds", "nodeId": "instant-sender", "interfaceId": "instant-e1", "plainExplanation": "Account, funds, duplicates, route, and time budget pass.", "businessState": "Participant accepted" }, { "id": "instant-payment-trace-step-3", "title": "Controls clear", "nodeId": "instant-controls", "interfaceId": "instant-e2", "plainExplanation": "Fraud, sanctions, and applicable payee checks return an explicit outcome.", "businessState": "Controls cleared", "controlEvidence": "Decision, rule/model version, elapsed time" }, { "id": "instant-payment-trace-step-4", "title": "Network admits the payment", "nodeId": "instant-network", "interfaceId": "instant-e3", "plainExplanation": "The infrastructure validates participant, message, duplicate, and service timing.", "businessState": "Network accepted", "messageIds": [ "pacs-008" ] }, { "id": "instant-payment-trace-step-5", "title": "Settlement moves", "nodeId": "instant-settlement", "interfaceId": "instant-e4", "plainExplanation": "Funded settlement asset moves under the rail's model.", "businessState": "Settled final", "ledgerEffect": "Sending settlement account debit; receiving settlement account credit" }, { "id": "instant-payment-trace-step-6", "title": "Beneficiary posts", "nodeId": "instant-receiver", "interfaceId": "instant-e5", "plainExplanation": "The receiving participant validates and posts once.", "businessState": "Beneficiary credited" }, { "id": "instant-payment-trace-step-7", "title": "Outcome reconciles", "nodeId": "instant-reporting", "interfaceId": "instant-e7", "plainExplanation": "Network, settlement, and participant posting evidence agree.", "businessState": "End-to-end confirmed" }, { "id": "instant-payment-trace-step-8", "title": "Payer sees the proven result", "nodeId": "instant-payer", "interfaceId": "instant-e8", "plainExplanation": "The channel reports completed only when the authoritative state supports it.", "businessState": "Customer informed" } ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fast-payment architecture and risk considerations", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ] } ], "stressCases": [ { "id": "instant-stress-timeout", "label": "Timeout with a late positive outcome", "trigger": "The payer-facing timer expires while settlement or receiver response is still in flight.", "divergesAfterStepId": "instant-payment-trace-step-4", "traceId": "instant-payment-trace", "affectedNodeIds": [ "instant-network", "instant-settlement", "instant-reporting", "instant-payer" ], "affectedInterfaceIds": [ "instant-e4", "instant-e7", "instant-e8" ], "lastConfirmedState": "Network accepted; final settlement and beneficiary posting are not yet confirmed to the sender.", "settlementState": "Unknown until the settlement service returns authoritative evidence.", "fundsState": "The payer's debit or reservation stays under pending-outcome control; no second payment is created.", "owner": "Sending participant instant-payment operations", "safeAction": "Show a truthful pending or timed-out status, enquire with the original reference, and accept a late final outcome in state order.", "requiredEvidence": [ "End-to-end reference", "Network timestamp", "Settlement result", "Receiver response" ], "recoverySteps": [ "Reconcile late outcome", "Update the customer once", "Release or retain postings according to final state" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Operational and timeout considerations", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ] }, { "id": "instant-stress-liquidity", "label": "Insufficient prefunding", "trigger": "The sender lacks the settlement asset required by the instant service.", "divergesAfterStepId": "instant-payment-trace-step-4", "traceId": "instant-payment-trace", "affectedNodeIds": [ "instant-sender", "instant-settlement", "instant-resilience" ], "affectedInterfaceIds": [ "instant-e4", "instant-e9" ], "lastConfirmedState": "Payment admitted to the service; settlement not completed.", "settlementState": "Not settled unless the rail explicitly permits queueing and later confirms it.", "fundsState": "Receiver has no settled funds; sender must apply the rail-defined rejection or liquidity treatment.", "owner": "Participant treasury and instant-payment operations", "safeAction": "Apply the documented liquidity response and do not report completion.", "requiredEvidence": [ "Settlement balance", "Liquidity threshold", "Rail response", "Customer posting state" ], "recoverySteps": [ "Fund the account for future payments", "Close or retry only if the rail and customer contract permit" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Settlement and liquidity considerations", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" }, { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principle 7", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ] }, { "id": "instant-stress-core", "label": "Settlement final, receiver core unavailable", "trigger": "The instant settlement movement is final but the receiving participant cannot post the beneficiary account.", "divergesAfterStepId": "instant-payment-trace-step-5", "traceId": "instant-payment-trace", "affectedNodeIds": [ "instant-settlement", "instant-receiver", "instant-reporting" ], "affectedInterfaceIds": [ "instant-e6", "instant-e7" ], "lastConfirmedState": "Settlement final; beneficiary posting pending.", "settlementState": "Final under the rail's settlement rules.", "fundsState": "The receiving participant holds settled funds and owes controlled resolution to the beneficiary.", "owner": "Receiving participant payment and core-ledger operations", "safeAction": "Repair the beneficiary posting idempotently; do not resend or reverse the interbank payment without the formal exception path.", "requiredEvidence": [ "Settlement reference", "Receiving account result", "Posting journal", "Customer-status history" ], "recoverySteps": [ "Restore core service", "Post once", "Report and reconcile the delay" ], "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 8 and 17", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" }, { "ref": { "sourceId": "bis-fast-payments", "locator": "Operational resilience considerations", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ] } ], "overlays": [ { "id": "instant-overlay-tips", "label": "TIPS / SCT Inst", "summary": "Maps the generic instant path to TIPS settlement and the current EPC SCT Inst profile.", "nodeIds": [ "instant-payer", "instant-sender", "instant-controls", "instant-network", "instant-settlement", "instant-receiver", "instant-reporting", "instant-resilience" ], "interfaceIds": [ "instant-e1", "instant-e2", "instant-e3", "instant-e4", "instant-e5", "instant-e6", "instant-e7", "instant-e8", "instant-e9" ], "relatedFlowIds": [ "flow-tips-instant", "flow-sct-inst", "flow-vop-sct-inst" ], "evidence": [ { "ref": { "sourceId": "ecb-tips", "locator": "TIPS public service description", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Eurosystem TIPS public material" }, { "ref": { "sourceId": "ecb-tips-professional-documents", "locator": "TIPS professional-use documentation", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current TIPS release documentation" }, { "ref": { "sourceId": "epc-sct-inst-rulebook", "locator": "SCT Inst rulebook", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SCT Inst rulebook" } ] }, { "id": "instant-overlay-fednow", "label": "FedNow Service", "summary": "Maps participant submission, Federal Reserve settlement, receiver response, and 24×7 operations to the FedNow context.", "nodeIds": [ "instant-payer", "instant-sender", "instant-controls", "instant-network", "instant-settlement", "instant-receiver", "instant-reporting", "instant-resilience" ], "interfaceIds": [ "instant-e1", "instant-e2", "instant-e3", "instant-e4", "instant-e5", "instant-e6", "instant-e7", "instant-e8", "instant-e9" ], "relatedFlowIds": [ "flow-fednow" ], "evidence": [ { "ref": { "sourceId": "frb-fednow", "locator": "FedNow public product and service context", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Federal Reserve Financial Services FedNow material" } ] }, { "id": "instant-overlay-rtp", "label": "RTP network", "summary": "Maps the participant instant-payment and funded settlement pattern to The Clearing House RTP network.", "nodeIds": [ "instant-payer", "instant-sender", "instant-controls", "instant-network", "instant-settlement", "instant-receiver", "instant-reporting", "instant-resilience" ], "interfaceIds": [ "instant-e1", "instant-e2", "instant-e3", "instant-e4", "instant-e5", "instant-e6", "instant-e7", "instant-e8", "instant-e9" ], "relatedFlowIds": [ "flow-rtp" ], "evidence": [ { "ref": { "sourceId": "tch-rtp", "locator": "RTP public service and technical-documentation context", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current The Clearing House RTP material" } ] }, { "id": "instant-overlay-fps", "label": "UK Faster Payments", "summary": "Maps payer and participant processing to the Faster Payments clearing and settlement context; current Pay.UK rules remain authoritative.", "nodeIds": [ "instant-payer", "instant-sender", "instant-controls", "instant-network", "instant-settlement", "instant-receiver", "instant-reporting", "instant-resilience" ], "interfaceIds": [ "instant-e1", "instant-e2", "instant-e3", "instant-e4", "instant-e5", "instant-e6", "instant-e7", "instant-e8", "instant-e9" ], "relatedFlowIds": [ "flow-fps" ], "evidence": [ { "ref": { "sourceId": "pay-uk-fps", "locator": "Faster Payments public service description", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Pay.UK Faster Payments material" } ] }, { "id": "instant-overlay-global", "label": "Global instant-payment systems", "summary": "Specialises payer, participant, directory or alias, control, settlement, timeout, receiver-posting, and reconciliation responsibilities from public operator material.", "nodeIds": [ "instant-payer", "instant-sender", "instant-controls", "instant-network", "instant-settlement", "instant-receiver", "instant-reporting", "instant-resilience" ], "interfaceIds": [ "instant-e1", "instant-e2", "instant-e3", "instant-e4", "instant-e5", "instant-e6", "instant-e7", "instant-e8", "instant-e9" ], "relatedFlowIds": [ "flow-in-imps", "flow-in-upi", "flow-au-npp", "flow-sg-fast", "flow-sg-paynow", "flow-hk-fps", "flow-br-pix", "flow-ca-interac" ], "evidence": [ { "ref": { "sourceId": "rbi-payment-systems", "locator": "IMPS and UPI public context", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Reserve Bank of India public material" }, { "ref": { "sourceId": "rba-payment-systems", "locator": "NPP public context", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Reserve Bank of Australia public material" }, { "ref": { "sourceId": "abs-fast-paynow", "locator": "FAST and PayNow public context", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Association of Banks in Singapore public material" }, { "ref": { "sourceId": "hkma-payment-systems", "locator": "FPS public context", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Hong Kong Monetary Authority public material" }, { "ref": { "sourceId": "bcb-payment-systems", "locator": "Pix and SPI public context", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Banco Central do Brasil public material" }, { "ref": { "sourceId": "interac-etransfer", "locator": "Interac e-Transfer public disclosure", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Interac public material" } ], "coverageGap": "Alias, message, fraud, liquidity, timeout, participant-response, return, and settlement details require each service's current participant rules and technical documentation." } ], "decisions": [ { "id": "instant-decision-timeout", "question": "What should the payer see when the service clock expires?", "options": [ { "label": "Failed", "consequence": "Simple screen, but dangerous when network or settlement outcome is unknown." }, { "label": "Pending or timed out", "consequence": "Truthfully preserves uncertainty and requires enquiry and later status update." } ], "guidance": "Use a state that represents evidence. A user-interface timer does not reverse network acceptance or settlement.", "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Operational risk and end-user considerations", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" } ] }, { "id": "instant-decision-controls", "question": "How should a real-time control outage behave?", "options": [ { "label": "Fail closed", "consequence": "Stops risk but reduces availability and may breach customer expectations." }, { "label": "Fail open", "consequence": "Preserves speed but creates explicit financial-crime or fraud exposure." }, { "label": "Risk-tiered fallback", "consequence": "Uses bounded, pre-approved criteria and requires measurable governance." } ], "guidance": "The choice is a governed risk decision. Return an explicit unavailable outcome and never let a timeout look like a clean approval.", "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fraud and risk considerations", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" }, { "ref": { "sourceId": "payments-signal-editorial", "locator": "Control fail-safe policy", "label": "simplified-educational-illustration", "simplifications": "Law, risk appetite, and rail obligations differ by institution and jurisdiction." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ] } ], "targets": [ { "type": "flow", "id": "flow-sct-inst" }, { "type": "flow", "id": "flow-tips-instant" }, { "type": "flow", "id": "flow-vop-sct-inst" }, { "type": "flow", "id": "flow-fednow" }, { "type": "flow", "id": "flow-rtp" }, { "type": "flow", "id": "flow-fps" }, { "type": "flow", "id": "flow-in-imps" }, { "type": "flow", "id": "flow-in-upi" }, { "type": "flow", "id": "flow-au-npp" }, { "type": "flow", "id": "flow-sg-fast" }, { "type": "flow", "id": "flow-sg-paynow" }, { "type": "flow", "id": "flow-hk-fps" }, { "type": "flow", "id": "flow-br-pix" }, { "type": "flow", "id": "flow-ca-interac" }, { "type": "message", "id": "pacs-008" }, { "type": "message", "id": "pacs-002" }, { "type": "message", "id": "pacs-004" }, { "type": "message", "id": "pacs-028" }, { "type": "message", "id": "camt-056" }, { "type": "message", "id": "camt-029" }, { "type": "resource", "id": "epc-sct-inst-rulebook-current" }, { "type": "resource", "id": "epc-sct-inst-guidelines" }, { "type": "resource", "id": "ecb-tips-service-documents" }, { "type": "resource", "id": "implementation-pack-sepa-credit" }, { "type": "resource", "id": "implementation-pack-tips" } ], "glossaryTermIds": [ "instant-payments", "timeout", "prefunding", "settlement-finality", "idempotency" ], "evidence": [ { "ref": { "sourceId": "bis-fast-payments", "locator": "Fast-payment system design and risk", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI fast-payments report" }, { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 7, 8 and 17 where applicable", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "simplifies": "The blueprint uses one time-budgeted route to explain common instant-payment responsibilities. Exact execution clocks, response codes, prefunding, finality, return rights, maintenance, and participant obligations differ by rail and current rulebook." }, "sources": [ { "id": "bis-fast-payments", "publisher": "CPMI, Bank for International Settlements", "title": "Fast payments - enhancing the speed and availability of retail payments", "sourceType": "industry-paper", "publicationDate": "2016-11-08", "accessedDate": "2026-07-12", "url": "https://www.bis.org/cpmi/publ/d154.htm", "applicability": "Defines the key characteristics of fast (instant) payment services and analyses their benefits, risks, and implications for central banks.", "notes": "Predates several major instant payment launches; this site uses it for concepts, not current statistics." }, { "id": "bis-cpmi-pfmi", "publisher": "CPMI and IOSCO (Bank for International Settlements)", "title": "Principles for financial market infrastructures", "sourceType": "industry-paper", "publicationDate": "2012-04-16", "accessedDate": "2026-07-12", "url": "https://www.bis.org/cpmi/publ/d101.htm", "applicability": "International risk-management standards for systemically important payment systems and other financial market infrastructures.", "notes": "Published by the CPSS (now CPMI) and IOSCO; contains 24 principles plus responsibilities for authorities. This site uses it only for high-level concepts such as settlement finality." }, { "id": "payments-signal-editorial", "publisher": "Payments Signal", "title": "Payments Signal editorial teaching models", "sourceType": "educational-simplification", "accessedDate": "2026-07-12", "applicability": "This site's own simplified teaching models.", "notes": "Used wherever diagrams, scenarios, figures, or example values are didactic constructions rather than sourced facts; every such use carries a simplifications disclosure. All people, companies, banks, and list entries in examples are fictional." }, { "id": "epc-vop-rulebook", "publisher": "European Payments Council", "title": "Verification Of Payee scheme rulebook", "sourceType": "scheme-rulebook", "documentVersion": "version 1.1 (EPC218-23)", "accessedDate": "2026-07-12", "url": "https://www.europeanpaymentscouncil.eu/document-library/rulebooks/verification-payee-scheme-rulebook", "applicability": "Governs the EPC Verification Of Payee scheme under which PSPs check a payee's name against the account identifier before a credit transfer is sent.", "notes": "The first rulebook version entered into force on 5 October 2025; version 1.1 was published in March 2026 to address issues found after deployment, and the EPC has announced a version 2.0 for later in 2026." } ], "relatedContent": [ { "type": "article", "label": "ACK, NACK, and the Payment Status Report (pacs.002)", "href": "/2026/07/13/ack-nack-and-payment-status-report", "coverage": "derived" }, { "type": "article", "label": "Australia's NPP and Distributed Clearing", "href": "/2026/07/13/australia-npp-and-distributed-clearing", "coverage": "derived" }, { "type": "article", "label": "BIC versus LEI: payment reference data", "href": "/2026/07/13/bic-vs-lei-reference-data", "coverage": "derived" }, { "type": "article", "label": "Brazil's Pix and STR", "href": "/2026/07/13/brazil-pix-and-str", "coverage": "derived" }, { "type": "article", "label": "Canada's Lynx RTGS", "href": "/2026/07/13/canada-lynx-rtgs", "coverage": "derived" }, { "type": "article", "label": "CBPR+: ISO 20022 for cross-border payments", "href": "/2026/07/13/cbpr-plus-cross-border-iso20022", "coverage": "derived" }, { "type": "article", "label": "CGI-MP: Common ISO 20022 Practice for Corporates", "href": "/2026/07/13/cgi-mp-corporate-iso20022", "coverage": "derived" }, { "type": "article", "label": "China's CIPS and CDFCPS", "href": "/2026/07/13/china-cips-and-cdfcps", "coverage": "derived" }, { "type": "article", "label": "Confirmation of Payee (UK)", "href": "/2026/07/13/confirmation-of-payee-uk", "coverage": "derived" }, { "type": "article", "label": "Confirmation of Payee and APP fraud", "href": "/2026/07/18/confirmation-of-payee-and-app-fraud", "coverage": "derived" }, { "type": "article", "label": "FedNow: instant settlement at the Federal Reserve", "href": "/2026/07/13/fednow-instant-payments", "coverage": "derived" }, { "type": "article", "label": "FINplus and Browse", "href": "/2026/07/13/finplus-and-browse", "coverage": "derived" }, { "type": "article", "label": "High-value payments and HVPS+", "href": "/2026/07/13/high-value-payments-and-hvps-plus", "coverage": "derived" }, { "type": "article", "label": "Hong Kong's CHATS: A Multi-Currency RTGS", "href": "/2026/07/13/hong-kong-chats", "coverage": "derived" }, { "type": "article", "label": "India's RTGS, NEFT and NACH", "href": "/2026/07/13/india-rtgs-neft-nach", "coverage": "derived" }, { "type": "article", "label": "India's UPI and IMPS: An Overlay on Instant Rails", "href": "/2026/07/13/india-upi-and-imps", "coverage": "derived" }, { "type": "article", "label": "Introduction to SEPA", "href": "/2026/07/13/introduction-to-sepa", "coverage": "derived" }, { "type": "article", "label": "Japan's BOJ-NET and the Zengin System", "href": "/2026/07/13/japan-bojnet-and-zengin", "coverage": "derived" }, { "type": "article", "label": "Mexico's SPEI", "href": "/2026/07/13/mexico-spei", "coverage": "derived" }, { "type": "article", "label": "One corporate payment: the full MX lifecycle and its MT migration path", "href": "/2026/07/18/corporate-payment-full-message-lifecycle", "coverage": "derived" }, { "type": "article", "label": "Other Payment Message Standards Beyond SWIFT", "href": "/2026/07/13/other-payment-message-standards", "coverage": "derived" }, { "type": "article", "label": "Payment exceptions and investigations", "href": "/2026/07/13/payment-exceptions-and-investigations", "coverage": "derived" }, { "type": "article", "label": "Payment transparency and wire stripping", "href": "/2026/07/13/payment-transparency-and-wire-stripping", "coverage": "derived" }, { "type": "article", "label": "Proxy and alias addressing", "href": "/2026/07/13/proxy-and-alias-addressing", "coverage": "derived" }, { "type": "article", "label": "Purpose codes in payments", "href": "/2026/07/13/purpose-codes-in-payments", "coverage": "derived" }, { "type": "article", "label": "Request to Pay and e-mandates", "href": "/2026/07/13/request-to-pay-and-e-mandates", "coverage": "derived" }, { "type": "article", "label": "Request to Pay versus SEPA Direct Debit", "href": "/2026/07/18/request-to-pay-vs-direct-debit", "coverage": "derived" }, { "type": "article", "label": "Request to Pay, explained", "href": "/2026/07/18/request-to-pay-explained", "coverage": "derived" }, { "type": "article", "label": "Reversals, returns, recalls, and cancellations", "href": "/2026/07/13/reversals-returns-and-cancellations", "coverage": "derived" }, { "type": "article", "label": "Sanctions evasion typologies", "href": "/2026/07/13/sanctions-evasion-typologies", "coverage": "derived" }, { "type": "article", "label": "Screening the payment message", "href": "/2026/07/13/screening-the-payment-message", "coverage": "derived" }, { "type": "article", "label": "SEPA credit transfer – Four Corner model", "href": "/2026/07/13/sct-four-corner-model", "coverage": "derived" }, { "type": "article", "label": "Sepa Credit Transfer – Happy Path", "href": "/2026/07/13/sct-happy-path", "coverage": "derived" }, { "type": "article", "label": "SEPA Credit Transfer – Payment Timelines", "href": "/2026/07/13/sepa-credit-transfer-payment-timelines", "coverage": "derived" }, { "type": "article", "label": "SEPA Credit Transfer – Recall Flow", "href": "/2026/07/13/sct-recall-flow", "coverage": "derived" }, { "type": "article", "label": "SEPA Credit Transfer – Reject Flow", "href": "/2026/07/13/sct-reject-flow", "coverage": "derived" }, { "type": "article", "label": "Sepa Credit Transfer – Return Flow", "href": "/2026/07/13/sct-return-flow", "coverage": "derived" }, { "type": "article", "label": "SEPA Direct Debit core", "href": "/2026/07/13/sepa-direct-debit-core", "coverage": "derived" }, { "type": "article", "label": "SEPA Direct Debit exceptions and refunds", "href": "/2026/07/13/sepa-direct-debit-exceptions", "coverage": "derived" }, { "type": "article", "label": "SEPA Direct Debit: B2B versus Core", "href": "/2026/07/13/sepa-direct-debit-b2b-vs-core", "coverage": "derived" }, { "type": "article", "label": "SEPA Instant – Happy Path Flow", "href": "/2026/07/13/sepa-instant-happy-path-flow", "coverage": "derived" }, { "type": "article", "label": "SEPA Instant – Introduction", "href": "/2026/07/13/sepa-instant-introduction", "coverage": "derived" }, { "type": "article", "label": "SEPA Instant R-Message flows", "href": "/2026/07/13/sepa-instant-r-message-flows", "coverage": "derived" }, { "type": "article", "label": "SEPA Payment Messages", "href": "/2026/07/13/sepa-payment-messages", "coverage": "derived" }, { "type": "article", "label": "SEPA Payments Schemes", "href": "/2026/07/13/sepa-payments-schemes", "coverage": "derived" }, { "type": "article", "label": "SEPA stakeholders", "href": "/2026/07/13/sepa-stakeholders", "coverage": "derived" }, { "type": "article", "label": "Serial and cover in ISO 20022: pacs.008 and pacs.009 COV", "href": "/2026/07/13/iso-20022-serial-and-cover", "coverage": "derived" }, { "type": "article", "label": "Singapore's payment systems: MEPS+, FAST and PayNow", "href": "/2026/07/13/singapore-payment-systems", "coverage": "derived" }, { "type": "article", "label": "STEP2: the pan-European ACH", "href": "/2026/07/13/step2-pan-european-ach", "coverage": "derived" }, { "type": "article", "label": "Structured and hybrid addresses in ISO 20022", "href": "/2026/07/13/structured-and-hybrid-addresses-iso20022", "coverage": "derived" }, { "type": "article", "label": "Structured remittance information", "href": "/2026/07/13/structured-remittance-information", "coverage": "derived" }, { "type": "article", "label": "SWIFT Cancellations and Investigation Messages", "href": "/2026/07/13/swift-cancellations-and-investigation-messages", "coverage": "derived" }, { "type": "article", "label": "SWIFT financial-institution funds transfers", "href": "/2026/07/13/swift-financial-institution-funds-transfers", "coverage": "derived" }, { "type": "article", "label": "SWIFT investigation and exception messages", "href": "/2026/07/13/swift-investigation-and-exception-messages", "coverage": "derived" }, { "type": "article", "label": "T2 and Central Liquidity Management", "href": "/2026/07/13/target2-and-central-liquidity-management", "coverage": "derived" }, { "type": "article", "label": "The Business Application Header (BAH)", "href": "/2026/07/13/the-business-application-header", "coverage": "derived" }, { "type": "article", "label": "The camt family: cash 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