To be able to offer SEPA instant payments reliably, financial institutions need scalable and interruption-free systems. These systems not only have to cope with a multiple of the current transaction volumes, but also have to work without interruptions – 24/7/365 – in the event of release changes. This requirement not only concerns the core processing, but also the interfaces to all surrounding systems, such as booking systems or the connection to clearing. In addition, the classic processing of transfers must be mapped as well as the fallback case for financial institutions that cannot or do not want to offer instant credit transfers. 

With TRAVIC-Payment Hub and TRAVIC-Interbank, PPI also offers the right solutions for SEPA instant payments.

TRAVIC-Payment Hub, or TPH for short, is the central platform for core payments processing with connections to clearing houses, correspondents and instant payments messaging. Transactions via SEPA instant payments in SCTinst format are processed by the solution within 40 milliseconds – especially in the high-load range with low hardware requirements. TRAVIC-Payment Hub supports financial institutions through flexible workflows, customisable interfaces and the buffering of information for components in the system environment that are not accessible 24/7/365. Any interbank gateways for the corresponding networks can be connected to TRAVIC-Payment Hub. This means that global payments are also possible at any time and connections to systems such as T2 (TARGET2) are no problem.

With TRAVIC-Interbank, PPI offers its own EBICS-based gateway for connection to the EBA CLEARING services RT1 and STEP2, Bundesbank SCL and bilateral clearing. It is a valuable addition to TRAVIC-Payment Hub.