Connect around the core
ImPAI sits between channels, compliance services, clearing, and core banking, so payment change does not become a core replacement project.
Payments Platform
Modernize payment processing without replacing the core
ImPAI is a payment operating layer for banks and regulated payment providers that need instant payments, ISO 20022, multi-scheme processing, and controlled 24/7 operations.
It connects channels, APIs, compliance services, clearing houses, operational teams, and core banking systems, so new payment capabilities can be introduced around the infrastructure already in place.
1000+transactions per second+12%revenue uplift from faster payment product onboarding-30%lower operational cost with fewer errors and less manual effort5xfaster rollout of new payment workflows and regulatory updates24/7always-on payments infrastructure
ImPAI payment operating layerChannels to clearing
Orchestrate payment flows
Route, validate, enrich, convert, monitor, and reconcile payment flows through one configurable operating layer.
Control daily operations
Give payment teams traceable workflows for search, repair, approvals, investigations, handover, reporting, and audit review.
Deploy where needed
Run in public cloud, private cloud, or on premise according to regulatory, security, and infrastructure requirements.
ChannelsImPAI orchestrationCore systems
Why ImPAI
Launch new payment capabilities in weeks
ImPAI helps banks add schemes, routing, messaging, and operational control around the systems they already run.
Add new rails around the core
Connect SEPA, SEPA Instant, SIC, SWIFT CBPR+, and domestic schemes without replacing the core.
Route messages by rule
Route payment messages between gateways, clearing houses, correspondent models, and alternative rails.
Convert and enrich formats
Handle conversion, validation, and enrichment for ISO 20022, CBPR+, SIC, SEPA, and local formats.
Launch payment changes faster
Add schemes, routing logic, and message changes without waiting for every core release.
Common use cases
What banks use ImPAI for
Modern payment hub24/7 paymentsNew payment railsISO 20022Smart routingPayment APIsCloud or SaaSAI exceptions
View use casesSupported schemes
Payment rails and APIs in one operating layer
ImPAI supports instant payments, SEPA flows, Swiss payments, domestic rails, SWIFT CBPR+, and API-based initiation in one configurable payment operations layer.
SEPA InstantSIC InstantSICSEPA CTSEPA DDSWIFT CBPR+Domestic Schemes
SEPA Instant
Real-time EUR payments with scheme-specific validation, routing, operational controls, and 24/7 readiness.
SEPA Credit Transfers
Standard SEPA credit transfer processing for EUR flows, including validation, routing, and back-office handling.
SEPA Direct Debits
Collection flows for recurring and mandate-based payments within the SEPA region.
SWIFT CBPR+
Cross-border payment processing with ISO 20022 message handling and connectivity into bank operations.
SIC Instant
Swiss instant payment processing with real-time operational handling and controlled scheme rollout.
SIC Payments
Swiss interbank payment flows through SIC and EuroSIC, including domestic and euro-denominated settlement.
Domestic Schemes
Reusable ISO 20022-based processing supports domestic rail connections such as Czech CERTIS, Hungarian GIRO, Polish Elixir, Romanian SENT, UK Faster Payments, and CHAPS.
Omnichannel APIs
API-based initiation from digital channels, corporate channels, back-office tools, and partner systems.
24/7 payment availability
Keep instant payments running when the core has to pause
Real-time payment schemes expect continuous availability, while many banks still have end-of-day processing windows, maintenance periods, and batch dependencies in the core. When needed, ImPAI can provide a controlled shadow-balance layer so instant payment decisions can continue during defined core unavailability windows.
Download collateral24/7 payment continuity
Keep instant payment decisions available outside normal core banking windows, including end-of-day processing and planned maintenance.
Shadow balance when needed
Maintain a real-time operational balance view that can cover temporary core outages according to bank-defined rules and limits.
Controlled reconciliation
Synchronize back to the core once systems are available again, with traceable balance movements, auditability, and exception handling.
Core-independent resilience
Add an availability layer around existing infrastructure without replacing the core or disrupting established account processing.
Operations workspace
One workspace for payment operations and exceptions
Payment teams can search transactions, review payment details, handle exceptions, approve manual actions, inspect raw messages, and keep a traceable audit history in one workspace.
Transactions
Search and monitor payments
Filter payments by scheme, date, direction, status, and settlement state. Teams see what is booked, pending, failed, recalled, or returned.
Downloads
Download ImPAI product and buyer resources
Focused resources for banks evaluating instant payments, 24/7 availability, Verification of Payee, AI-assisted operations, and agentic payment workflows.
PDF
Instant payments
How banks can introduce instant payment processing with scheme-ready operations and controlled rollout.
PDFShadow Balance
How ImPAI can support payment continuity when the core is unavailable during processing windows.
PDFVerification of Payee
API-based account verification, configurable matching, simulation, routing, and operational controls.
PDFAI Assistant
AI-assisted support for payment search, onboarding, operational guidance, and daily user workflows.
PDFAgentic AI
Agentic workflows for payment operations, investigation, exception handling, and reconciliation.
FAQ
Payments platform FAQ
Platform basics
What is ImPAI?
ImPAI is a payment operating layer for banks and regulated payment providers. It sits around existing banking systems to process payments, add schemes, route messages, handle ISO 20022 data, and support payment operations.
Does ImPAI replace core banking?
No. ImPAI is designed to work around the core. Banks can add payment capabilities, scheme connectivity, routing, and operational workflows without turning every payment change into a core replacement project.
Which payment schemes can ImPAI support?
ImPAI supports SEPA Instant, SIC Instant, SIC, SEPA CT, SEPA DD, SWIFT CBPR+, domestic schemes, and API-based payment initiation through one configurable operating layer.
How does ImPAI help with ISO 20022?
ImPAI handles ISO 20022 validation, enrichment, format conversion, scheme rules, and message generation in the payment layer, where changes can be tested and managed more easily.
Does ImPAI support omnichannel payment APIs?
Yes. ImPAI supports API-based payment initiation from mobile and web channels, corporate channels, back-office tools, partner systems, and other bank applications.
Future readiness
Where does AI fit into ImPAI payment operations?
ImPAI can support AI-assisted payment operations for internal teams first: investigation support, exception handling, payment search, reconciliation, routing analysis, and operator-supervised workflows where explainability and auditability matter.
How does ImPAI support a composable payment architecture?
ImPAI lets banks add or change payment components step by step instead of replacing the full payment stack. New schemes, routing logic, connectors, processors, and operational workflows can be introduced as modular services around existing systems.
How can ImPAI help with real-time cross-border payments?
ImPAI can support real-time cross-border readiness by routing payments across schemes, correspondent models, alternative rails, APIs, and clearing connections, with ISO 20022 message handling, validation, monitoring, and operational control.
Can ImPAI support new payment methods such as stablecoins or CBDCs?
ImPAI is designed for payment change. Its API-first, microservices-based architecture can be extended for new payment methods where banks need wallet connectivity, routing, compliance checks, monitoring, auditability, and operational workflows.
Architecture and integration
How is ImPAI deployed?
ImPAI can run in AWS, Azure, private cloud, SaaS, or on-premise environments, depending on the bank’s regulatory, security, and infrastructure requirements.
Is ImPAI microservices-based?
Yes. ImPAI is built as a modular microservices platform with separate connectors, orchestrators, processors, scheme services, APIs, and shared platform services for monitoring, audit, error handling, authentication, and configuration.
Which interfaces does ImPAI support?
ImPAI can integrate through REST APIs, REST/JSON, Swagger/OpenAPI, IBM MQ, Kafka, HTTP/HTTPS, SOAP, SFTP, file interfaces, JSON, CSV, structured files, and proprietary formats where required.
What can be configured without product code changes?
Banks can configure routing rules, priorities, scheme parameters, validation settings, message mappings, connectivity settings, limits, retry rules, timeout rules, reference data, and processing flows.
Can ImPAI be customized for bank-specific payment flows?
Yes. ImPAI supports bank-specific routing, connectors, processing steps, scheme setup, entity rules, fallback routes, and extensions while keeping the core platform modular and maintainable.
Operations and control
Can ImPAI support 24/7 instant payment operations?
Yes. ImPAI can keep instant payment intake, checks, routing, status handling, and operational workflows available around core banking windows, including planned maintenance or end-of-day processing.
How does ImPAI support security and auditability?
ImPAI supports role-based access, OAuth2, OpenID Connect, SAML, mTLS, structured audit logs, traceability, monitoring, and export of logs, metrics, and traces for operational and compliance review.
Is ImPAI ISO 27001 certified and security compliant?
ImPAI is backed by Im-Par, an ISO 27001 certified and GDPR compliant company. The platform supports bank security requirements through access control, audit trails, encryption patterns, monitoring, traceability, and controlled deployment options.
Next step
Request platform consultation
Start with a focused discussion about your payment landscape, regulatory drivers, scheme roadmap, and modernization constraints.