INPS · Integrated Payment Service

From any channel
to every rail.

The ISO 20022-native payment platform for banks and payment service providers: SEPA, SEPA Instant, CBPR+ and TARGET2 on one engine — with integration logic as configuration, not code, bank-grade governance and full per-transaction oversight.

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SaaS in the cloud · or on-premises — clearing-agnostic: Bundesbank & EBA
1
persisted actor per message — replicated, resilient orchestration
0
code changes to onboard a new format, mapping or channel
5+
payment rails on one governance and audit model — more to come
24/7
instant-ready operations, built for the always-on payment era
The Platform

One platform between your channels and the rails

INPS separates payment processing into two cooperating engines: the Workflow Engine terminates your channels and transforms ISO 20022 traffic as pure configuration; the Payment Engine executes the rails with a live transaction register and explicit state machines.

INPS architecture: channels, Workflow Engine, Payment Engine, rails

The INPS suite. Channels in, scheme-correct ISO 20022 out — and every result routed back to your counterparties. Elasticsearch as the per-tenant source of truth; PostgreSQL as the SEPA message store.

SEPA Instant TIPS · RT1 · 24/7 SEPA SCT Bundesbank & EBA SEPA SDD Core & B2B · mandates SCC card clearing SWIFT CBPR+ cross-border ISO 20022 TARGET2 RTGS
ISO 20022 Core

De-bulk. Validate. Transform. Scheme-aware.

ISO 20022 processing pipeline

  • De-bulking at scale — bulk files streamed and split with bounded memory; batch-to-single and single-to-batch as first-class conversions.
  • Validation with reason codes — XSD, IBAN and address validation; failures carry standardized SEPA/CBPR+ reason codes and follow an explicit exception path.
  • Graphical mapping designer — build source-to-target mappings visually, generate XSLT, import existing MapForce or XSLT assets, convert MT to MX.
  • Scheme awareness everywhere — every workflow declares its scheme; only scheme-valid schemas, maps and reason codes can ever be configured.
The Product

Real product, real oversight

Every payment is tracked through an explicit state machine with full ISO 20022 detail — from bulk container down to the single transaction, one click apart.

INPS Payment Engine — bulk processing with per-transaction drill-down
INPS bulk processing view

Bulk processing live: ISO 20022 container view with control sums, processing history and drill-down into every single transaction.

Four-eyes release state machine

The release state machine. Staged edits, two distinct approvers, full audit — configuration reaches the runtime only through explicit releases.

Governance

Nothing changes without a second pair of eyes

  • Four-eyes publishing across workflows, receivers, schemas, maps, reason codes and variables.
  • Per-tenant audit trail of every create, update, publish and release — exportable for compliance.
  • Field-level encryption at rest with zero-downtime certificate rotation; TOTP-secured access, role-based authorization.
  • No message loss — persisted actor per message, syncpoint MQ consumption, durable queues.
Deployment

Your platform, your operating model

SaaS in the cloud

Provisioned and operated by Headsight — provisioning, monitoring, patching and scaling included. The fastest route from decision to test instance.

  • test & production instances, identical build
  • dedicated tenant, strict isolation
  • outsourcing-ready (EBA guidelines, exit plan)

On-premises

The same architecture in your own data center — operated by your teams, with installation support and application maintenance by Headsight.

  • Service Fabric · Elasticsearch · PostgreSQL
  • from 2-host entry setup to geo-redundant sites
  • full data sovereignty

Deployment footprints: entry, clustered, geo-redundant

One platform, three footprints. Entry, clustered and geo-redundant — the footprint is a sizing decision, not a redesign.

Insights & Whitepapers

The thinking behind the platform

TECHNICAL WHITEPAPER · EN

INPS — Integrated Payment Service

Architecture, ISO 20022 core, governance and operations of the suite — why payment integration belongs in configuration, not code.

Read more →
SOLUTION PAPER · DE

Euro-Clearing nach euroSIC

SIX discontinues euroSIC at the end of 2027. The realistic options for Swiss institutions — and how INPS turns SIC formats into an EBA-SEPA-compatible interface.

Download solution paper →
MIGRATION CONCEPT · EN

Leaving your legacy system behind

A rail-by-rail migration blueprint for replacing end-of-life payment systems — starting with SEPA Instant via TIPS, finished well before your maintenance deadline.

Request the concept →

Payments, orchestrated.

The next step is a conversation: an analysis of your flows, formats and volumes — and a concrete plan with dates. Talk to the people who build and run INPS.

info@headsight.de

Headsight GmbH
Gerhart-Hauptmann-Str. 50
55124 Mainz · Germany
+49 6131 888 984 0