Multi-Protocol Payment Switch

From the moment a payment is initiated to its final delivery to the beneficiary — INM's MPPS acts at every stage of the cycle. Origination, authorisation and last mile in a single payment engine, core-banking agnostic and ready for any rail, protocol or market.

The central payment hub your bank needs

As financial markets demand greater speed, traceability and interoperability, banks need a payments infrastructure that covers the full cycle — from order to settlement. MPPS centralises and orchestrates all payment flows — domestic and international, retail and corporate — in a single platform, eliminating operational silos and accelerating regulatory compliance. Its core-banking-agnostic architecture ensures the solution works regardless of the incumbent core system.

Advantages

  • End-to-end coverage: Origination, authorisation and last mile in a single engine — no gaps between systems or vendors
  • Scalability: Achitecture designed for high transaction volumes with high availability and fault tolerance
  • Full interoperability: Native multi-protocol support: SWIFT, ISO 20022, SEPA, local payments and proprietary networks
  • Core-banking agnostic: Works with any installed core system — no vendor lock-in

Detail

01 - Originação

  • Iniciação do Pagamento: Recepção e validação de ordens via canais digitais, banca corporativa, ficheiros batch e APIs. Suporte a ISO 20022 e formatos proprietários.​

02 - Autorização

  • Roteamento e Processamento: Motor de roteamento inteligente, verificação de fundos, controlo de limites e compliance AML/SWIFT em tempo real.

03 - Last Mile

  • Entrega e Liquidação: Envio para câmaras de compensação, redes SWIFT, SEPA ou sistemas locais. Conciliação automática e notificação ao beneficiário.

Features

  • Multi-channel origination: Internet Banking, Mobile, corporate banking, batch files and API
  • Intelligent routing engine with configurable business rules per payment type
  • Real-time authorisation with funds verification, limit controls and AML/SWIFT compliance
  • Support for SWIFT (pacs.008), SEPA, SDD, Target2, TEI/TEIS and local networks
  • ISO 20022 message conversion and aggregation between clearing houses and core banking
  • Automatic reconciliation and beneficiary notification at the last mile
  • Exception flow orchestration and reprocessing with automatic notification
  • Certified connectors for Finastra Essence, Equation and Asseco Banka
  • Real-time dashboards with configurable alerts and per-transaction traceability
  • Proven experience in Angola, Europe and the Middle East

DBI Digital Banking Integration

See Product

Internet Banking

See Product

SMS & USSD

See Product

Mobile Banking

See Product

Banking Agent

See Product

Counter Portal

See Product