Payment Infrastructure
National Payment Switch
Interoperable, real-time switching between banks, mobile wallets and payment service providers.
Overview
A national payment switch connects banks, mobile money operators and payment service providers so that customers can pay and transfer across institutions instantly — regardless of where their account is held.
IMARA engineers switching platforms that route transactions in real time, apply scheme rules, manage participants and produce clearing positions for settlement. The goal is interoperability: one connection that reaches the whole ecosystem.
Capabilities
What our Payment Switch technology covers.
Real-time transaction routing
Low-latency routing of instant transfers, payments and requests-to-pay between participants.
Account & alias directory
Resolve phone numbers, aliases or account identifiers to the right institution.
Scheme rules & limits
Configurable business rules, fees, limits and participant-specific controls.
Clearing & settlement integration
Net position calculation and settlement instructions to the RTGS.
Dispute & exception handling
Workflows for reversals, disputes and investigation requests.
Transaction monitoring
Real-time visibility into volumes, failures and suspicious patterns.
Related solutions
Designed to work together.
Discuss your Payment Switch requirements.
Whether you are modernising a national payment system, replacing a core banking platform or launching digital services, our team is ready to discuss your requirements.