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Tieto Instant Payments Solution

Join the digital revolution of real-time transactions, delivering convenience, control and security to all.

Stay ahead in an open and instant era

A powerful platform for real-time transactions, our solution gives multiple stakeholders payment connectivity via multiple channels. This provides governments with greater independence and control over their financial infrastructure, banks a faster and cost-effective shared platform, and businesses and consumers security and convenience when they spend, save, borrow or invest.

Our global experience in payment infrastructure means we can deliver superior solutions to multiple industries, meeting the demands of a technology- and convenience-driven society.

Valdis Janovs

Head of Retail Payments and Cards, Tieto

Key benefits


Increased convenience

Real-time payments provide your customers with greater convenience, including flexible salary payments, on-demand payments, payments to street vendors, e-receipts and person-to-person money transfers.


Improved liquidity

Financial institutions, consumers, merchants and society all benefit from enhanced visibility of payments, better cash management and improved day-to-day liquidity.


Ready for growth

Open and flexible software architecture that is scalable and simple to configure enables you to expand your product range and services easily.

Key features

Instant transactions

Real-time, 24/7/365 payments and immediate transfer of funds, with irrevocable and instant customer-to-customer payments.

SEPA transfers

Based on SEPA instant credit transfer requirements, that are flexible and configurable to country-specific requirements.

Value-added services

Using ISO 20022:2013 standard, the platform gives you the ability to store extended remittance data and enrichment fields to drive the provision of value-added services.

Flexible and reliable

Our ready-to-go solutions ensure large volumes of business can be processed, with high availability and fault tolerant software, creating a reliable and stable environment.

Global reach

The instant payment platform is compatible with multiple currencies and institutions, and can be configured to comply with selected country-specific instant payment regulations.

Leading expertise

We have the global and local experience to provide consultancy on real-time payments regulatory framework, schemes rulebook and technical standards development.

In the spotlight

Open for business?

The telco industry has been there and done that with ‘open’. What happened? And what can banks learn?

Read blog

Delivering on financial inclusion

Bringing the worlds 2 billion unbanked people into a formal financial system, a few thoughts on how.

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Before and after instant payments

Planning for a national instant payment solution.

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National payment systems in the open era

The basic movement of money is becoming faster, embedded and driven by open ecosystems.

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