Instant Payments

Real-Time Payments.
Always 

A real-time payments platform enables clients to send and receive money instantly, 24x7, on any rail.

Product Overview

Avante connects every instant rail: real-time clearing, alias payments, request-to-pay and fraud controls.

A real-time payments platform on every instant rail, 24x7x365. Settle in seconds, pay by alias or QR, request payments in one tap and screen each one instantly.

  • Real-Time Clearing24x7 processing
  • Alias & Proxy LookupPay by phone or ID
  • Request-to-PayPayment requests
  • Fraud & LimitsReal-time checks
  • Confirmation of PayeeName checks
  • Liquidity ControlsLive positions
Another view of the same product
Channels & Experience:4 channels
Instant Payments Engine:4 modules
Data, Reporting & Integration:8 services
Security & Governance:6 controls
Instant Payments Integrations:9 connections
Layer 1 · 4 channels

Channels & Experience

  • Mobile & Internet BankingInstant transfers
  • Merchant & QRInstant checkout
  • Corporate APIsReal-time payouts
  • Branch & TellerAssisted payments
Layer 3 · 8 services

Data, Reporting & Integration

  • Open APIsREST & events
  • Core Ledger SyncReal-time postings
  • Data Lake & AnalyticsUnified data platform
  • DashboardsKPIs & insights
  • Alerts & NotificationsOmni-channel
  • Audit TrailsImmutable logs
  • Regulatory ReportingCentral bank ready
  • Host-to-HostLegacy integration
Layer 2 · 4 modules

Instant Payments Engine

  • Real-Time Clearing24x7 processing
  • Alias & Proxy LookupPay by phone or ID
  • Request-to-PayPayment requests
  • Fraud & LimitsReal-time checks
Across every layer · 6 controls

Security & Governance

  • Access ControlRole-based & SSO
  • Maker-CheckerDual authorization
  • EncryptionAt rest & in transit
  • Compliance ControlsAML & KYC checks
  • ObservabilityMonitoring & SLAs
  • Flexible DeploymentCloud or on-premise
Integrations · 9 connections

Instant Payments Integrations

Core Banking National Instant Switch Payments Hub Digital Wallet Proxy Directory Liquidity Management Risk & Compliance Reconciliation Data Warehouse

Avante Value Proposition

Choose your institution to see the use cases that matter most to you.

Instant Scheme Connectivity

Join national instant rails quickly.

Value for you
  • Compliance with scheme rules
  • Real-time payments for all customers
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Real-Time Liquidity Monitoring

Watch instant settlement positions live.

Value for you
  • Payments never blocked by liquidity
  • Lower idle cash
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Corporate Instant Payouts

Real-time payouts for business clients.

Value for you
  • Salaries and payouts in seconds
  • Stickier corporate clients
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Instant Transfers for Members

Members send money instantly.

Value for you
  • Parity with big banks
  • Fewer branch visits
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Sponsored Instant Access

Reach instant rails through a sponsor.

Value for you
  • Access without heavy investment
  • A fast go-live
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Confirmation of Payee

Check the name before paying.

Value for you
  • Fewer misdirected payments
  • Less fraud
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Pay by Phone Number

Send money using a phone number or alias.

Value for you
  • Simple, fast payments
  • Viral growth
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Instant Account Top-Up

Fund new accounts instantly from other banks.

Value for you
  • Faster activation of new accounts
  • Higher first-week spend
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Real-Time Fraud Screening

Every instant payment checked in milliseconds.

Value for you
  • Fraud stopped before money leaves
  • Smooth experience for genuine users
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Instant Loan Disbursal

Borrowers receive funds in seconds.

Value for you
  • Faster access to credit
  • A competitive edge
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Instant Repayment Collection

Borrowers repay in real time.

Value for you
  • Balances updated immediately
  • Fewer late payments
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Field Collections by QR

Agents collect repayments by QR.

Value for you
  • Less cash in the field
  • Real-time view of collections
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Instant Payouts API

Real-time payouts from your platform.

Value for you
  • Users paid instantly
  • Lower payout costs
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Request-to-Pay for Apps

Payment requests approved in one tap.

Value for you
  • Faster collections
  • Lower card fees
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Cross-Border Instant Transfers

Real-time payments across borders.

Value for you
  • Money arrives in seconds
  • Transparent fees
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Instant Merchant Settlement

Merchants receive funds immediately.

Value for you
  • Better merchant cash flow
  • Lower acceptance fees
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Instant Customer Refunds

Refund customers in real time.

Value for you
  • Happier customers
  • Fewer support calls
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Gig & Creator Payouts

Pay workers and creators instantly.

Value for you
  • A loyal workforce
  • Automated payouts
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Instant Claims Payments

Pay approved claims in seconds.

Value for you
  • Claims settled immediately
  • Higher policyholder satisfaction
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Real-Time Premium Collection

Collect premiums instantly from accounts.

Value for you
  • Policies activated immediately
  • Fewer lapses
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Beneficiary Name Check

Confirm beneficiaries before payout.

Value for you
  • Payouts to the right people
  • Lower fraud
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