𝗥𝗲𝗮𝗱𝘆 𝗼𝗿 𝗡𝗼𝘁: 𝗜𝗻𝘀𝘁𝗮𝗻𝘁 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗶𝗼𝗻 𝗜𝘀 𝗖𝗼𝗺𝗶𝗻𝗴

I’m spending most of my time with my clients, understanding risks and identifying areas for improvement in the final months leading up to the Instant Payments final deadline in October 2025.
Today, I experienced a European tier one bank rejecting bulk of Credit transfers while implementing the instant feature.
There is no space for last-minute implementations without proper test support, especially for Financial Institutions and PSPs with legacy systems aged 20 to 40 years, which were not designed for real-time payments and transactions.
The guide offered by UNIFITS is handy.
It’s a simple but effective check that will help us understand where we stand.
Many of my clients have already tried it, and it works at no cost.

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