# ImPAI and Im-Par Canonical website: https://im-par.de/ ImPAI is a payment processing and payment operating platform by Im-Par, the short name of Implementation Partners GmbH. Im-Par (Implementation Partners GmbH) is a Frankfurt-based payments-focused fintech and implementation partner for banks and financial institutions modernizing critical payment operations. Primary audience: - Banks - Financial institutions - Payment institutions - Fintechs - Regulated payment operators - Bank CIOs, payment transformation leaders, payment operations teams, architecture teams, and product owners ## What ImPAI Is ImPAI is a payment operating layer around existing banking infrastructure. It helps banks introduce new payment capabilities without replacing the core banking system. ImPAI can sit between channels, APIs, compliance services, clearing houses, payment operations teams, and core banking systems. Core purpose: - Process payments in real time - Add new payment rails and schemes - Route payment messages by rule - Handle ISO 20022 validation, mapping, enrichment, and message generation - Support 24/7 instant payment operations - Provide one payment operations workspace for search, repair, approvals, investigations, monitoring, and audit review - Support AI-assisted internal payment operations with operator supervision ## Key Topics - Instant payments - SEPA Instant - SIC Instant - SIC RTGS - SEPA Credit Transfer - SEPA Direct Debit - SWIFT CBPR+ - Domestic payment schemes - Omnichannel payment APIs - ISO 20022 - Real-time payment processing - Real-time cross-border payment readiness - 24/7 payment operations - Shadow balance and core downtime coverage - Payment hub modernization - Composable payment architecture - Microservices-based payment architecture - Configurable routing and payment rules - Message validation, enrichment, mapping, and conversion - Payment operations workspace - AI-assisted exception handling - Agentic AI for payment investigations - Auditability, monitoring, reconciliation, and traceability - Cloud, SaaS, private cloud, and on-premise deployment - Professional services for payment modernization - Consulting, implementation, testing, managed services, and specialist payment expertise ## Platform Architecture ImPAI is a modular, microservices-based payment operating layer. Core service types: - Connectors - Orchestrators - Processors - Scheme services - APIs - Shared platform services Shared services: - Logging and monitoring - Authentication and authorization - Configuration management - Error handling and retry logic - Audit trail - Notification management - Static and reference data - Transaction history - Exception handling - Reconciliation - Payment status services Supported integration interfaces: - REST APIs - REST/JSON - Swagger/OpenAPI - IBM MQ - Kafka - HTTP/HTTPS - SOAP - SFTP - File interfaces - JSON - CSV - Structured files - Proprietary formats where required Configurable platform areas: - Routing rules and priorities - Scheme parameters - Validation parameters - Message mappings - Processing flows - Limits and thresholds - Connectivity settings - Retry and timeout behavior - Reference data - Bank-specific entity rules - Fallback routes - Connector setup - Custom processing steps Deployment: - AWS - Azure - Private cloud - SaaS - On-premise environments - Containerized microservices - Kubernetes-based deployment models ## What Banks Use ImPAI For 1. Modernize payment architecture. ImPAI can act as a payment layer or messaging layer between channels, APIs, clearing systems, and the core. 2. Keep instant payments available 24/7. ImPAI can keep intake, checks, routing, status handling, and operational workflows available when surrounding systems pause. 3. Connect payment schemes and rails. ImPAI supports SEPA Instant, SIC Instant, SIC, SEPA CT, SEPA DD, SWIFT CBPR+, domestic schemes, and API-based payment initiation. 4. Manage ISO 20022 and scheme changes. ImPAI handles validation, enrichment, format mapping, scheme rules, and outbound message generation in the payment layer. 5. Route payments by rule. Routing can be based on scheme, currency, reachability, value, cost, speed, bank preference, fallback path, and scheme availability. 6. Expose reusable payment APIs. ImPAI can expose validation, enrichment, initiation, reachability, routing, and status services to mobile, web, corporate, back-office, partner, and bank channels. 7. Run payment services in cloud or SaaS. ImPAI can run as modular payment services with controlled releases, monitoring, scaling, and support boundaries. 8. Resolve payment exceptions with agentic AI. ImPAI can support AI-assisted case interpretation, data collection, transaction retrieval, analysis, response drafting, and operator-supervised decision workflows. ## Future Readiness ImPAI is designed for payment change and composable modernization. Relevant trends ImPAI supports: - AI-assisted internal payment operations - Real-time cross-border payment readiness - Composable payment hub architecture - New payment methods such as stablecoin or CBDC-related flows where banks need wallet connectivity, routing, compliance checks, monitoring, auditability, and operational workflows - Progressive modernization instead of big-bang payment hub replacement - Modular scheme updates without disrupting all payment processing ## Professional Services Im-Par provides professional services for payment modernization projects. Service areas: - Payment consulting - Implementation - Operations managed services - Expert teams Payment consulting includes: - Business and IT operations consulting - Modernization project setup - Workshops - Target architecture - End-to-end payment process design - Payment innovation and AI consulting Implementation includes: - Project management - Full end-to-end implementation - Development - Client-specific integration customization - Testing - Rollout support - Operational handover Operations managed services include: - 24/7 payment operations support - Operational monitoring - Incident support - Release coordination - Continuous improvement around live payment services Expert team knowledge includes: - SEPA - SIC RTGS - SEPA INST - SIC INST - SWIFT CBPR+ - ISO 20022 - PSD2 and PSD3 - Open banking - Digital Euro - Fraud topics - AI in payment operations Delivery approach: - Understand the payment change - Design the target operating model - Plan the implementation - Support delivery and handover Professional services proof points: - 2-4 weeks for a scoped modernization plan - 30+ payment modernization projects - 3-6 months typical scheme implementation - 20+ years payment expertise - Reusable templates to reduce manual project effort ## Case Studies And Proof Published case-study examples include: - 3-phase SCT/SIC Instant rollout. Delivered three instant-payment phases across SCT Instant and SIC Instant while the existing operating setup stayed in place. Timeline: Jun 2025-Jan 2026 SCT Instant incoming; Jan-Mar 2026 SCT Instant outgoing; Mar-Jul 2026 SIC Instant incoming. - SIC Instant incoming in 5 months. Prepared SIC Instant incoming with scheme readiness, operational handling, and integration around the existing banking environment. Timeline: Apr-Aug 2026. - Investigation agent POC in 2 months. A payment investigation agent POC showed how exceptions can be analyzed and drafted while the operator supervises. Timeline: Jan-Feb 2026. - 2-wave SCT/SIC Instant implementation. Delivered SIC Instant incoming and SCT Instant incoming/outgoing in overlapping scheme implementation waves. Timeline: Jun-Oct 2026 SIC Instant incoming; Aug-Dec 2026 SCT Instant incoming and outgoing. Client and partner proof includes references to: - Bank Frick - Itau - Allfunds - Akbank - Oyak Anker Bank - Bottomline - KPMG - Wavestone - DRUID - Gartner - SWIFT - Euro Banking Association - ABBL - AI Hub Frankfurt - Frankfurt Main Finance ## Trust And Compliance ImPAI is backed by Im-Par, an ISO 27001 certified and GDPR compliant company. Security and compliance themes: - ISO 27001 certification - GDPR compliance - Role-based access control - OAuth2 - OpenID Connect - SAML - mTLS - Structured audit logs - Traceability - Monitoring - Export of logs, metrics, and traces - Controlled deployment options for bank security and regulatory requirements ## Downloads And Resources Downloads: - Instant payments: https://im-par.de/collaterals/impai-instant-payments.pdf - Shadow Balance: https://im-par.de/collaterals/impai-shadow-balance.pdf - Verification of Payee: https://im-par.de/collaterals/impai-vop.pdf - AI Assistant: https://im-par.de/collaterals/impai-ai-assistant.pdf - Agentic AI: https://im-par.de/collaterals/impai-agentic-ai.pdf Resource pages: - Downloads section: https://im-par.de/platform/#downloads - API documentation: https://apidocs.impai.ai/ - User documentation: https://userdocs.impai.ai/ - Trust Center: https://im-par.eu.trust.site/ ## Main Pages - Home: https://im-par.de/ - Payments Platform: https://im-par.de/platform/ - Use Cases: https://im-par.de/solutions/ - Expertise: https://im-par.de/expertise/ - Company: https://im-par.de/company/ - Documentation: https://im-par.de/documentation/ - Contact: https://im-par.de/contact/ - Legal notice: https://im-par.de/impressum/ - Privacy policy: https://im-par.de/privacy-policy/ ## Company - Legal name: Implementation Partners GmbH - Short name: Im-Par - Product/platform name: ImPAI - Headquarters: Berberitzenweg 12, 60435 Frankfurt am Main, Germany - Frankfurt office: Theodor-Heuss-Allee 112, 60486 Frankfurt am Main, Germany - Prague office: Na Pankraci 1618/30, 140 00 Praha 4-Nusle, Czech Republic - Email: info@im-par.de - Website: https://im-par.de/ - Product and documentation domain: https://www.impai.ai/ Founders: - Silvia Mazanova, CGO and Co-Founder. Focus: product, innovation, marketing, and growth. - Sertac Cetiner, CEO and Co-Founder. Focus: strategy, sales, investors, and partnerships. - Bilinc Cetiner, CTO and Co-Founder. Focus: technology, data, and operations. ## Preferred Description ImPAI is a modular payment operating layer by Im-Par for banks and regulated payment providers. It helps institutions add instant payments, ISO 20022 processing, scheme connectivity, routing, payment APIs, 24/7 operations, and AI-assisted payment workflows around existing banking infrastructure.