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Instant Payment Service

Data-rich, flexible, fast. Like, really fast.

Enable payments at the speed of life with our data-rich, flexible and scalable instant payments solutions and services.

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Instant Payment Service
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50+

years operating critical national infrastructure and global payment network

54,000

A2A transactions processed per minute by Mastercard (2023)

INSTANT PAYMENT SERVICES

A trusted instant payment solution used worldwide

Our real-time payment solutions are powering some of the world’s largest economies 24/7/365.

Instant payments clearing and settlement

Immediate availability of funds to be recipient every time. *

Multi-functional

A single deployment enables multiple currencies, payment flows and use cases.

Flexible deployment options

Built to support multiple data centres and cloud zones with seamless scalability.

Future-proof

Leverage global messaging standards enabling interoperability and development of new propositions.

Mitigate liquidity risk

Real-time liquidity monitoring tools and instant liquidity management capabilities.

Customer stories

Protect and enhance your instant payments

With unrivalled payments expertise and experience and global scale, no one is better placed to serve your needs.

Account-to-account risk solutions

Our award-winning risk solutions help prevent fraud and money laundering in real time.

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Batch payments

Tap into new opportunities with our advanced, comprehensive batch and bulk payment services.

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Real-time payments for everyone, everywhere

We’re on a journey to make real-time payments more accessible to consumers, businesses, banks and governments and we want you to join us.

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Insights and news

Uniting against account to account fraud — lessons from real time markets

Seamless, near-instant payments revolutionise transactions, but their rapid growth has also fuelled a rise in financial fraud, posing new risks for users and businesses alike.

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What's next for real time payments?

Mastercard leads in RTP expansion, offering flexibility for businesses and consumers. This paper explores RTP trends, tech innovations and the future of real-time transactions.

Technical documentation.

High speed, high stakes: navigating liquidity in an era of volatility

With 24/7 instant settlements causing unpredictable cash flows and fragmented data, treasurers now need advanced tools and strategies for effective liquidity management.

Technical documentation.