Interbank instant payment service interfaces in‑a‑box

The Identer Banking Gateway (IDBAG) is a software solution enabling easy and cost-effective integration to interbank instant payment systems (IPS) and networks. It is an intermediate system between payment service providers and the bank internal back-office systems implementing real-time payment functions. Various separate instant payment services can be connected via single gateway setup and automatic routing and conversion of payment messages allow transparent usage of services, without the need to encounter technical differences of multiple interfaces in the bank internal systems. In addition to instant payment transactions the same Gateway architecture can be extended to effectively cover other existing or future banking messaging purposes, such as Request to Pay (R2P).

At its most ideal form the Gateway acts as a single postbox for all instant payment messages constructed in the back-office system, taking care of possible format conversions and routing to the appropriate target network and service provide IPS. Similarly, IDBAG captures all incoming payment messages, regardless of the source IPS, and trims them to a common format recognized by the bank internal environment before passing further.

We are happy to tell more about this solution.

Juha Bäckmand
Tel. +358 400 476 406