SEPA Instant on ISO 20022, signed and schema-valid.
An EU-licensed payments institution set out to send and receive SEPA Instant itself, on the full ISO 20022 message set.
Client withheld under NDA
Challenge
The scheme gives a payment 10 seconds to reach a final answer, so a message that fails validation has already missed it. Nothing gets repaired by hand.
What we built
- The pacs lifecycle: pacs.008 credit transfers, pacs.002 status reports, pacs.004 returns.
- Recall and recall-response handling on camt.056 and camt.029.
- XSD validation against the pacs and camt schemas before a message leaves the system.
- xmldsig signing and signature verification on every exchange with the scheme.
- A high-availability deployment, so the loss of a node does not stop the payment flow.
Business outcome
The institution now offers SEPA Instant as its own service, processing payments directly and settling them through central-bank infrastructure without relying on a third-party processor. Payments complete within the scheme's 10-second window, and the service remains available if a node fails. Every change in payment status is recorded, reducing the time required for compliance and scheme reviews.
Capabilities
- ISO 20022
- SEPA Instant
- Message validation
- xmldsig
- High availability
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Describe your challenge.
Early idea or system already in production. Both are worth a conversation.
- Built and run by our senior team.
- Confidential from the first call, NDA as standard.
Prefer email?
[email protected]