INPS · Integrated Payment Service

One platform.
Every euro rail.

INPS is our ISO 20022-native payment platform. It terminates your channels, transforms and validates messages as configuration, and serves every major euro rail — from a single, governed, auditable core. Available as SaaS in the cloud or on-premises.

Explore the modules Talk to us
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.
Module

SEPA Instant — TIPS & RT1, 24/7

Real-time credit transfers around the clock, with the timeout, recall and investigation handling that instant processing demands. Connected to the Eurosystem's TIPS and to EBA RT1 — with message, account and embargo validation built in.

pacs.008 / pacs.002 24/7/365 availability TIPS & RT1 reachability Verification of Payee-ready
Module

SEPA Clearing — clearing-agnostic

SCT, SCT Inst, SDD (Core & B2B) and SCC — cleared through the Bundesbank SEPA-Clearer, EBA Clearing, or both. Bulk de-/re-bulking with control sums, mandate management, R-transaction and camt reporting, standardized reason codes.

SEPA SCTSEPA SDD · mandates SCCBundesbank & EBA
Module

CBPR+ & TARGET2 — interbank, ISO 20022

Cross-border correspondent traffic on SWIFT CBPR+ with MT-to-MX conversion, and high-value RTGS processing on TARGET2 — the same platform, the same governance and monitoring as the SEPA rails.

SWIFT CBPR+MT ↔ MX conversion TARGET2 / RTGSESMIG-ready
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.

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