{"id":40773,"date":"2025-11-27T18:29:36","date_gmt":"2025-11-27T16:29:36","guid":{"rendered":"https:\/\/britepayments.com\/brite-ipn\/"},"modified":"2026-09-15T11:21:53","modified_gmt":"2026-09-15T09:21:53","slug":"brite-ipn","status":"publish","type":"page","link":"https:\/\/britepayments.com\/en-gb\/brite-ipn\/","title":{"rendered":"Brite IPN"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Brite\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Brite Instant Payments Network<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The Engine Behind Our Instant<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Our network is built to bypass slow, legacy banking systems \u2013 it\u2019s why our payments are instant, and our reliability is trusted.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tBook a Demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tContact Sales<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\tConnected to 3,800+ banks across the UK and Europe<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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What is the Brite Instant Payments Network?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Brite IPN<\/span> is\u00a0built for instant processing 24\/7, 365 days a year, sending and receiving payments at maximum speed. With smart routing and real-time confirmation as standard \u2013 lighting the path for a new generation of open banking payments.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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A Smarter Path for Your Money<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tOur network was designed for a 24\/7 world where moving money on Saturday shouldn\u2019t need to wait until Monday. We\u2019ve designed the Brite IPN to be the \u201chow\u201d behind your most important KPIs.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Purple\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Simplify Treasury<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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One partner, one balance, one view across the UK and Europe. Our network makes reconciliation faster and easier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Drive Loyalty<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tWith 24\/7\/365 operation, money moves instantly even on weekends and bank holidays.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Boost Conversion<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tConsistently high uptime means your checkout is always on \u2013 eliminating friction and ensuring you never miss a sale.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Deliver\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Scale with Confidence<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tOur platform is built to handle your peak volume. No more loss of revenue due to loss of service.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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How Brite IPN Bridges the Gap in Instant Payments<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u201cThanks to Brite IPN, Brite can confirm the safe arrival of consumer payments via the network in real-time, taking UK open banking payments to the next level \u2013 and substantially reducing credit and fraud losses for merchants at the same time.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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More Than Just Payment Routing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tBrite IPN intelligently moves money in the most efficient way to your account \u2013 keeping you updated and in control at every step.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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01 -- 05<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\tWe take full receipt of funds and transfer them without delay, in compliance with UK regulations, issue e-money, and consolidate for quick reconciliation.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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\n\t\t\t\t\t\t\"Collection\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\tCollection Capabilities<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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\n\t\t\t\t\t\tThe IPN determines the optimal route for every payment, optimising transaction flows across supported rails to maximise speed and reliability.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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\n\t\t\t\t\t\t\"Smart\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\tSmart Payment Routing<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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\n\t\t\t\t\t\tBuilt on custom network technology to reduce reliance on third parties \u2013 delivering greater stability, higher uptime, and competitive processing costs.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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\n\t\t\t\t\t\t\"Proprietary\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\tProprietary Infrastructure<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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\n\t\t\t\t\t\tGain real-time status tracking over every transaction from initiation to settlement, giving your team complete operational visibility.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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\n\t\t\t\t\t\t\"End\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\tEnd to End Visibility<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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\n\t\t\t\t\t\tTrack payments, manage e-money transactions, view reports, and optimise your reporting.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t
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\n\t\t\t\t\t\t\"Merchant\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\tMerchant Back Office<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t
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Brite Performance<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tA Pay by Bank network optimised for results. Benefit from a unified payment experience you control.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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24\/7\/365<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tAvailability: Designed for continuous operation, funds move quickly and efficiently \u2013 even on weekends and bank holidays.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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>99%<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tSuccess Rate: Built for high transaction settlement, delivering payment reliability you can depend on.*\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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<60s*<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tSettlement: Median time taken for funds processed via the IPN to arrive in your account (even on weekends).\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Our Products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\t\tFast and Secure Pay by Bank\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\tAccurate and Instant Payouts\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Your Brite IPN Questions Answered<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Any more questions?<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tTalk to Support<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is the Brite IPN?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

The Brite IPN (Instant Payments Network) is Brite Group’s proprietary technology platform. For UK merchants, Brite Payments Limited leverages IPN technology to rapidly process Account-to-Account (A2A) payments and payouts. It is purpose-built to deliver fast processing, automated reconciliation, and complete visibility over transaction statuses across the UK and Europe.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhy did Brite build its own network?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

We built the IPN to overcome the limitations of standard Open Banking payment initiation (PIS) and fragmented bank clearing cycles. A proprietary network provides:<\/p>

Control & E-Money Integration: In the UK, funds are collected into your Brite Merchant Account, and equivalent e-money is issued without delay, simplifying treasury management.<\/p>

Smart Routing: Intelligently routes every transaction through optimal channels for maximum speed and settlement reliability.<\/p>

Unified Platform: Enables a complete out-of-the-box solution\u2014including Merchant FX and instant payouts \u2013 through a single integration.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat does 24\/7\/365 clearing really mean? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

24\/7\/365 availability means our network operates continuously without halting for weekends or bank holidays.<\/p>

Accelerated Liquidity: Money moves around the clock, improving cash flow availability compared to traditional batch banking clearing.<\/p>

Reduced Risk: Bank-authenticated transfers settle directly, mitigating the risk of unsettled credit deposits and chargeback fraud.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow is Brite IPN different from Open Banking? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

Open Banking is the regulatory framework and secure API layer that connects to bank accounts. The Brite IPN is the execution engine built on top of those APIs. While basic Open Banking aggregators only initiate transfers and leave settlement to third-party bank clearing, the IPN actively manages, routes, reconciles, and tracks every transaction from end to end.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhy is a proprietary network \u2013 like Brite IPN \u2013 better for merchants?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

Unlike standard PIS providers that merely pass instructions to banks, Brite Payments Limited receives incoming funds into your Brite Merchant Account and issues e-money without delay. This integrated approach delivers:<\/p>

Automated Reconciliation: Real-time balance updates without manual bank matching.<\/p>

Intelligent Routing: Dynamic channel routing to optimise settlement speeds across UK and European payment rails.<\/p>

Integrated Payouts: Issue instant refunds or payouts seamlessly.
Optimised Instant Settlement: Funds are settled instantly on your behalf, providing immediate access to cash flow and simplifying reconciliation.<\/span><\/p>

Smart Routing: Payments are dynamically routed to the fastest, most efficient channels, optimising speed even in non-Eurozone markets.<\/span><\/p>

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.<\/span>\u00a0<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat's the benefit of Brite IPN for my business? <\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t

The Brite IPN delivers tangible benefits for your business:<\/p>

Liquidity: Rapid access to working capital inside your Brite Merchant Account.<\/p>

Efficiency: Automated, real-time reconciliation that eliminates hours of manual finance tasks.<\/p>

Security: Strong Customer Authentication (SCA) reduces the risk of fraud and payment disputes.<\/p>

Scale: Seamless domestic UK processing with cross-border European reach via Brite Group network capabilities.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Any more questions?<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tTalk to Support<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\tReady to solve your payment challenge?<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tBook a Demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tContact Sales<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Brite Instant Payments Network The Engine Behind Our Instant Our network is built to bypass slow, legacy banking systems \u2013 it\u2019s why our payments are instant, and our reliability is trusted. Book a Demo Contact Sales Connected to 3,800+ banks across the UK and Europe What is the Brite Instant Payments Network? Brite IPN is\u00a0built for instant processing 24\/7, 365 days a year, sending and receiving payments at maximum speed. With smart routing and real-time confirmation as standard \u2013 lighting the path for a new generation of open banking payments. A Smarter Path for Your Money Our network was designed for a 24\/7 world where moving money on Saturday shouldn\u2019t need to wait until Monday. We\u2019ve designed the Brite IPN to be the \u201chow\u201d behind your most important KPIs. Simplify Treasury One partner, one balance, one view across the UK and Europe. Our network makes reconciliation faster and easier. Drive Loyalty With 24\/7\/365 operation, money moves instantly even on weekends and bank holidays. Boost Conversion Consistently high uptime means your checkout is always on \u2013 eliminating friction and ensuring you never miss a sale. Scale with Confidence Our platform is built to handle your peak volume. No more loss of revenue due to loss of service. VP of Product George Parks Davie How Brite IPN Bridges the Gap in Instant Payments \u201cThanks to Brite IPN, Brite can confirm the safe arrival of consumer payments via the network in real-time, taking UK open banking payments to the next level \u2013 and substantially reducing credit and fraud losses for merchants at the same time.\u201d More Than Just Payment Routing Brite IPN intelligently moves money in the most efficient way to your account \u2013 keeping you updated and in control at every step. 01 — 05 We take full receipt of funds and transfer them without delay, in compliance with UK regulations, issue e-money, and consolidate for quick reconciliation. Collection Capabilities The IPN determines the optimal route for every payment, optimising transaction flows across supported rails to maximise speed and reliability. Smart Payment Routing Built on custom network technology to reduce reliance on third parties \u2013 delivering greater stability, higher uptime, and competitive processing costs. Proprietary Infrastructure Gain real-time status tracking over every transaction from initiation to settlement, giving your team complete operational visibility. End to End Visibility Track payments, manage e-money transactions, view reports, and optimise your reporting. Merchant Back Office Brite Performance A Pay by Bank network optimised for results. Benefit from a unified payment experience you control. 24\/7\/365 Availability: Designed for continuous operation, funds move quickly and efficiently \u2013 even on weekends and bank holidays. >99% Success Rate: Built for high transaction settlement, delivering payment reliability you can depend on.* <60s* Settlement: Median time taken for funds processed via the IPN to arrive in your account (even on weekends). Our Products Instant Payments Fast and Secure Pay by Bank Instant Payouts Accurate and Instant Payouts FAQs Your Brite IPN Questions Answered Any more questions? Talk to Support What is the Brite IPN? The Brite IPN (Instant Payments Network) is Brite Group’s proprietary technology platform. For UK merchants, Brite Payments Limited leverages IPN technology to rapidly process Account-to-Account (A2A) payments and payouts. It is purpose-built to deliver fast processing, automated reconciliation, and complete visibility over transaction statuses across the UK and Europe. Why did Brite build its own network? We built the IPN to overcome the limitations of standard Open Banking payment initiation (PIS) and fragmented bank clearing cycles. A proprietary network provides: Control & E-Money Integration: In the UK, funds are collected into your Brite Merchant Account, and equivalent e-money is issued without delay, simplifying treasury management. Smart Routing: Intelligently routes every transaction through optimal channels for maximum speed and settlement reliability. Unified Platform: Enables a complete out-of-the-box solution\u2014including Merchant FX and instant payouts \u2013 through a single integration. What does 24\/7\/365 clearing really mean? 24\/7\/365 availability means our network operates continuously without halting for weekends or bank holidays. Accelerated Liquidity: Money moves around the clock, improving cash flow availability compared to traditional batch banking clearing. Reduced Risk: Bank-authenticated transfers settle directly, mitigating the risk of unsettled credit deposits and chargeback fraud. How is Brite IPN different from Open Banking? Open Banking is the regulatory framework and secure API layer that connects to bank accounts. The Brite IPN is the execution engine built on top of those APIs. While basic Open Banking aggregators only initiate transfers and leave settlement to third-party bank clearing, the IPN actively manages, routes, reconciles, and tracks every transaction from end to end. Why is a proprietary network \u2013 like Brite IPN \u2013 better for merchants? Unlike standard PIS providers that merely pass instructions to banks, Brite Payments Limited receives incoming funds into your Brite Merchant Account and issues e-money without delay. This integrated approach delivers: Automated Reconciliation: Real-time balance updates without manual bank matching. Intelligent Routing: Dynamic channel routing to optimise settlement speeds across UK and European payment rails. Integrated Payouts: Issue instant refunds or payouts seamlessly.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.\u00a0 What’s the benefit of Brite IPN for my business? The Brite IPN delivers tangible benefits for your business: Liquidity: Rapid access to working capital inside your Brite Merchant Account. Efficiency: Automated, real-time reconciliation that eliminates hours of manual finance tasks. Security: Strong Customer Authentication (SCA) reduces the risk of fraud and payment disputes. Scale: Seamless domestic UK processing with cross-border European reach via Brite Group network capabilities. Any more questions? Talk to Support Ready to solve your payment challenge? Book a Demo Contact Sales Ready to solve your payment challenge? Book a Demo Contact Sales<\/p>\n","protected":false},"author":17,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"class_list":["post-40773","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/britepayments.com\/en-gb\/wp-json\/wp\/v2\/pages\/40773","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/britepayments.com\/en-gb\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/britepayments.com\/en-gb\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/britepayments.com\/en-gb\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/britepayments.com\/en-gb\/wp-json\/wp\/v2\/comments?post=40773"}],"version-history":[{"count":41,"href":"https:\/\/britepayments.com\/en-gb\/wp-json\/wp\/v2\/pages\/40773\/revisions"}],"predecessor-version":[{"id":57673,"href":"https:\/\/britepayments.com\/en-gb\/wp-json\/wp\/v2\/pages\/40773\/revisions\/57673"}],"wp:attachment":[{"href":"https:\/\/britepayments.com\/en-gb\/wp-json\/wp\/v2\/media?parent=40773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}