Flow simulator · FedNow / RTP / SEPA Instant / Pix / UPI
Real-time A2A push
Watch an instant account-to-account push payment from initiation to confirmation.
Step 1 of 50 ms
Payer
Initiates push
Authorizes a credit transfer in their banking app, often using an alias (email, phone, VPA).
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- 1. Payer · 0 msInitiates push
Authorizes a credit transfer in their banking app, often using an alias (email, phone, VPA).
- 2. Sending bank · + ~200 msValidates and signs ISO 20022 message
Performs fraud and sanctions checks, builds a pacs.008 message, applies SCA where required.
- 3. Operator · + ~150 msSettles centrally and forwards
Central operator settles in central-bank money and forwards the message to the receiving bank.
- 4. Receiving bank · + ~200 msPosts funds
Credits the beneficiary's account and returns a positive confirmation message.
- 5. Both banks · Total: ~1 secondConfirm to both parties
Payer and payee receive irrevocable confirmation; funds are available immediately.
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