Faster Payments

Process transactions instantly, securely and effectively

Our Faster Payments solution empowers financial institutions to send, receive, track and manage real-time payments in adherence to your national requirements, enabling innovative functionality for your customers, all without significant, costly or risky changes to your core system.

Key features

• Enables instant 24/7/365 payment processing including any required overlay service options such as Request to Pay, Account Proxies, Payee Validation and/or Real-time OFAC validations.


• Benefit from robust, industry-compliant security measures that protect transactions and safeguard payment information.


• Incorporate our solution into existing banking systems through agreed-upon API's, webservices or payment messaging without significantly overhauling your current infrastructure.


• Allow your financial institution to adopt the globally-accepted ISO 20022 messaging standard for flexible and extensible information exchange, promoting interoperability and future enhancements.


• Trust Aperta to maintain adherence to regulatory requirements and industry standards without ongoing core changes for all your faster payment processing needs.

Business benefits

• Enhance customer engagement and loyalty by offering 21st century in-demand instant payment processing and subsequent immediate funds availability.


• Solution provides for straight-through processing, an archive and portal to account for every message sent and received, and critical reports to allow for easy reconciliations.


• Leverage Aperta's 30+ years and global experience in delivering a wide variety of solutions to the payments market.


• Meet regulatory or market driven mandates with ease by allowing Aperta to do the heavy lifting - our experience with ISO 20022 and interfacing with numerous core systems can enable your financial institution to launch with minimal disruption.


• Aperta also offers a full-featured clearing and settlement solution to Central Banks and clearing houses who wish to launch faster payments in their jurisdictions.