Brite Instant Payments Network
The Engine Behind Our Instant
Our network built to bypass old, slow banking systems. It’s why our payments are instant and our reliability is assured.
What is the Brite Instant Payments Network?
A Smarter Path for Your Money
Our network was designed for a 24/7 world where moving money on Saturday shouldn’t need to wait until Monday. We’ve designed the Brite IPN to be the “how” behind your most important KPIs.
Simplify Treasury
One partner, one balance, one view for all of Europe. Our network makes reconciliation faster and easier.
Drive Loyalty
With 24/7/365 operation, money moves instantly even on weekends and holidays.
Boost Conversion
Consistently table uptime, our reliability means your checkout is always on.
Scale with Confidence
Our platform is built to handle your peak volume. No more loss of revenue due to loss of service.
“Thanks to Brite IPN, Brite can confirm the safe arrival of consumer payments via the network in real-time, taking open banking payments to the next level – and substantially reducing credit and fraud losses for merchants at the same time.”
Our IPN is More than Just Routing
01 -- 06
Brite Performance
A bank payment network optimised for results. Benefit from a unified payment experience you control.
24/7/365
Availability: our IPN is always on, ensuring funds move with speed and efficiency.
>99%
<60s
Median time taken for funds processed via our IPN to arrive into your balance (even on weekends).
Your IPN Questions Answered
What is the Brite IPN?
The Brite IPN (Instant Payment Network) is our proprietary, next-generation technology platform. It is the core engine that leverages the connectivity of Open Banking to process Account-to-Account (A2A) payments and payouts in real-time across 27 European markets. It is purpose-built to ensure instant processing, smart reconciliation, and full control over the flow of funds.
Why did Brite build its own network?
We built the IPN to address the limitations of existing instant payment schemes (like SEPA Instant) and the fragmented nature of real-time payments in Europe. A proprietary network is better because it ensures:
Control: We take full receipt of funds, optimising for instant settlement and reconciliation.
Speed: Smart routing optimises every payment for maximum speed, regardless of the local bank infrastructure.
Completeness: It enables a true out-of-the-box solution, including Merchant FX and instant payouts, all within a single unified system.
What does 24/7/365 clearing really mean?
24/7/365 clearing means funds are processed and settled instantly, regardless of the day or time. This is a fundamental advantage over traditional bank clearing cycles, which halt processing on weekends and bank holidays. For your business, it means:
Instant Access to Funds: Your cash flow improves instantly.
Reduced Risk: Payments are settled and irrevocable in seconds, reducing the risk of unsettled credit deposits.
How is Brite IPN different from Open Banking?
Open Banking (mandated by PSD2) is the framework and the technology (the secure bank APIs) that makes the transfer possible. The Brite IPN is the execution layer. The IPN acts as the specialised engine that utilises those Open Banking APIs to manage, route, process, and reconcile the payments 24/7/365, ensuring consistency and speed that simple API initiation alone cannot guarantee.
Why is a proprietary network – like Brite IPN – better for merchants?
A proprietary network like the Brite IPN is better because it ensures control and maximises performance in ways that simple aggregators cannot. Unlike standard PIS providers that rely entirely on the fragmented banking infrastructure for settlement, Brite takes full receipt of incoming funds and manages the entire payment and payout lifecycle. This control allows us to deliver:
Optimised Instant Settlement: Funds are settled instantly on your behalf, providing immediate access to cash flow and simplifying reconciliation.
Smart Routing: Payments are dynamically routed to the fastest, most efficient channels, optimising speed even in non-Eurozone markets.
Complete Solutions: We can integrate advanced features like Merchant FX and instant payouts seamlessly through a single platform, giving you a true out-of-the-box solution.
What's the benefit of Brite IPN for my business?
The Brite IPN delivers tangible benefits for your business:
Liquidity: Immediate access to funds (instant settlement).
Efficiency: Automated, real-time reconciliation reduces hours of manual work for your finance team.
Security: Reduced fraud risk due to the irrevocable nature of the payments.
Expansion: Seamless access to 27 European markets through one integration, simplifying cross-border operations.
