{"id":40773,"date":"2025-11-27T18:29:36","date_gmt":"2025-11-27T16:29:36","guid":{"rendered":"https:\/\/britepayments.com\/brite-ipn\/"},"modified":"2026-04-20T09:47:00","modified_gmt":"2026-04-20T07:47:00","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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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 built to bypass old, slow banking systems. It’s why our payments are instant and our reliability is assured.<\/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\tConnected to 3,800+ banks across 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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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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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.<\/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
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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 for all of Europe. Our network makes reconciliation faster and easier.<\/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

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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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With 24\/7\/365 operation, money moves instantly even on weekends and holidays.<\/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

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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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Consistently table uptime, our reliability means your checkout is always on.<\/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

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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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Our platform is built to handle your peak volume. No more loss of revenue due to loss of service.<\/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\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\tVP of Product<\/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\t\t\t\t\t\t\t\t\t\t\"Image\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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How Brite IPN closes the gap between European instant schemes<\/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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\u201cThanks 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 \u2013 and substantially reducing credit and fraud losses for merchants at the same time.\u201d<\/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\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Our IPN is More than Just Routing\u200b<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Our network ensures money travels in the most efficient way to your account \u2013 keeping you updated and in control at every step.<\/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

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01 -- 06<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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We take full receipt of all funds, reconcile them, and accumulate a balance for merchants.<\/p>\n\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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The IPN determines the fastest route for every payment, ensuring it reaches its recipient at maximum speed.<\/p>\n\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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Reduced reliance on third parties \u2013 we control our own network infrastructure. This means we can provide better service stability and costs.<\/p>\n\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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Brite has complete control over the payment flow and payment status of every transaction we initiate. <\/p>\n\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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We support your consumers across multiple markets and currencies. Merchants can exchange FX upon request.<\/p>\n\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 FX<\/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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Track payments, manage transactions, view reports, and optimise your reporting.<\/p>\n\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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Brite Performance<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A bank payment network optimised for results. Benefit from a unified payment experience you control.<\/span><\/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

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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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Availability: our IPN is always on, ensuring funds move with speed and efficiency.<\/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

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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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Success Rate: with close to zero unsettled payments and payouts, we offer reliability you can depend on.<\/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

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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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Median time taken for funds processed via our IPN to arrive into your balance (even on weekends).<\/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\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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Payments that Settle in Seconds<\/p>\n\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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Pay Anyone, Instantly <\/p>\n\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\tData Solutions\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t
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Insights that Give You the Edge<\/p>\n\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 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 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.<\/span><\/p>\n<\/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 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:<\/span><\/p>\n

Control: We take full receipt of funds, optimising for instant settlement and reconciliation.<\/span><\/p>\n

Speed: Smart routing optimises every payment for maximum speed, regardless of the local bank infrastructure.<\/span><\/p>\n

Completeness: It enables a true out-of-the-box solution, including Merchant FX and instant payouts, all within a single unified system.<\/span><\/p>\n<\/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 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:<\/span><\/p>\n

Instant Access to Funds: Your cash flow improves instantly.<\/span><\/p>\n

Reduced Risk: Payments are settled and irrevocable in seconds, reducing the risk of unsettled credit deposits.<\/span><\/p>\n<\/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 (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.<\/span><\/p>\n<\/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

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:<\/span><\/p>\n

Optimised Instant Settlement: Funds are settled instantly on your behalf, providing immediate access to cash flow and simplifying reconciliation.<\/span><\/p>\n

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

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>\n<\/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:<\/span><\/p>\n

Liquidity: Immediate access to funds (instant settlement).<\/span><\/p>\n

Efficiency: Automated, real-time reconciliation reduces hours of manual work for your finance team.<\/span><\/p>\n

Security: Reduced fraud risk due to the irrevocable nature of the payments.<\/span><\/p>\n

Expansion: Seamless access to 27 European markets through one integration, simplifying cross-border operations.<\/span><\/p>\n<\/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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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. Book a Demo Contact Sales Connected to 3,800+ banks across 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’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. VP of Product George Parks Davie How Brite IPN closes the gap between European instant schemes \u201cThanks 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 \u2013 and substantially reducing credit and fraud losses for merchants at the same time.\u201d Our IPN is More than Just Routing\u200b Our network ensures money travels in the most efficient way to your account \u2013 keeping you updated and in control at every step. 01 — 06 We take full receipt of all funds, reconcile them, and accumulate a balance for merchants. Collection Capabilities The IPN determines the fastest route for every payment, ensuring it reaches its recipient at maximum speed. Smart Payment Routing Reduced reliance on third parties \u2013 we control our own network infrastructure. This means we can provide better service stability and costs. Proprietary Infrastructure Brite has complete control over the payment flow and payment status of every transaction we initiate. End to End Visibility We support your consumers across multiple markets and currencies. Merchants can exchange FX upon request. Merchant FX Track payments, manage transactions, view reports, and optimise your reporting. Merchant Back Office 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% Success Rate: with close to zero unsettled payments and payouts, we offer reliability you can depend on. <60s Median time taken for funds processed via our IPN to arrive into your balance (even on weekends). Our Products Instant Payments Payments that Settle in Seconds Instant Payouts Pay Anyone, Instantly Data Solutions Insights that Give You the Edge FAQs Your IPN Questions Answered Any more questions? Talk to Support 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 \u2013 like Brite IPN \u2013 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.\u00a0 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. 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":8,"href":"https:\/\/britepayments.com\/en-gb\/wp-json\/wp\/v2\/pages\/40773\/revisions"}],"predecessor-version":[{"id":50576,"href":"https:\/\/britepayments.com\/en-gb\/wp-json\/wp\/v2\/pages\/40773\/revisions\/50576"}],"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}]}}