# Payments & rails - CorebankOS

> SEPA Instant, SEPA Credit Transfer, direct debits, SWIFT gpi and card schemes behind one API - routed to the fastest rail that fits.

Source: https://corebankos.com/solutions/payments-rails

## Every rail, one routing layer.

SEPA Instant, SEPA Credit Transfer, direct debits, SWIFT gpi and card schemes behind one API - routed to the fastest rail that fits.

## Time to money, by rail

- **SEPA Instant**: 24/7/365 · up to €100k
- **Card authorisation**: Card schemes
- **SEPA Credit Transfer**: Batch · business days
- **SEPA Direct Debit**: Core & B2B collections
- **SWIFT gpi**: Cross-border, tracked

- 1 second
- 1 minute
- 1 hour
- 1 day
- 3 days

- **<10 s** SEPA Instant end-to-end, 24/7/365
- **4 rails** behind one payments API
- **99.9%** straight-through processing, no manual touch
- **1 status** model customers follow, on every rail

## The fastest rail that fits.

Each payment is checked against reachability, limits and cut-offs. If a rail can’t take it, the next one does - and the customer sees why.

- Reachability checked before sending
- Cut-off and holiday calendars per rail
- Automatic fallback with a new arrival time

SEPA Instant · arrives in ~6 s

Stay on SEPA Instant

Routed · SEPA Instant

If instant fails

SEPA Credit Transfer · next business day

SWIFT gpi · tracked end to end

Payment · €12,400 → DE89 3704 0044 0532 0130 00

## Where the money can go.

Domestic euro rails across the SEPA zone, tracked cross-border payments everywhere else.

SEPA Instant, SEPA Credit Transfer and direct debits in euro.

- AT
- BE
- BG
- HR
- CY
- CZ
- DK
- EE
- FI
- FR
- DE
- GR
- HU
- IE
- IT
- LV
- LT
- LU
- MT
- NL
- PL
- PT
- RO
- SK
- SI
- ES
- SE
- IS
- LI
- NO
- CH
- GB
- MC
- SM
- AD
- VA

36 countries

- **200+ countries and territories**: Cross-border payments with end-to-end tracking and fees shown upfront.
- **Global acceptance**: Cards you issue work online, in-store and in mobile wallets worldwide.

## A delivery status for money.

One status model on every rail - pushed to the app the moment it changes.

### Payment delivered · €12,400.00

Northwind Supplies received it in 6 seconds.

- **Created**: In the business app
- **Screened**: Sanctions & fraud · clear
- **Sent**: SEPA Instant
- **Credited**: Recipient bank confirmed

Five seconds, four states, zero support tickets asking “where is my money?”

## Bulk, scheduled and approved.

The same rails, with the controls finance teams expect.

### Approvals

Rules by amount and payee - approve from the phone.

€184,920.00 · payroll

### Bulk payments

Upload a file or call the API. Validated before anything moves.

- **38** Payees
- **€184,920.00** Total
- **SEPA Instant** Rail

### Scheduled

Recurring and future-dated payments with rate and rail locked in.

## Send a payment on every rail.

See routing, fallbacks and tracking live in the demo - retail and business.