ISO 20022 ingress
Accept supported payment, status, return, recall, administration, and health message families through defined endpoints.
Express-O 17 · Planned payment connection
InstaPay
Payment Gateway
Scheduled launch · Early 2027
The planned InstaPay Gateway will connect Express-O 17 to Philippine payment workflows. Part of the flagship offering scheduled for early 2027, its live rollout will be scoped around your institution’s network onboarding and core integration.
ISO 20022 payment orchestration
Payments move fast.
Control must keep pace.
Express-O 17 will include an InstaPay Gateway alongside its Mobile App and other channel connections. The gateway is designed to separate payment-network handling from core banking operations, with traceable processing and exception management. Network onboarding, security, core adapters, and acceptance testing will be agreed before live use.
Plan the path to live payments.
A production rollout depends on the bank’s network onboarding, applicable certification, core integration, security setup, and end-to-end acceptance testing. A product demonstration does not establish live network approval.
Review your requirements with us →The payment message journey
Control points around each payment exchange.
A dedicated integration layer separates InstaPay message handling from core banking operations.
- 01→
Receive
Accept supported payment and status message families.
- 02→
Validate
Check message structure, signatures, and duplicates.
- 03→
Route & process
Coordinate the network message and core banking adapter.
- 04✓
Trace
Follow status, exceptions, queues, and audit events.
InstaPay is a Philippine payment integration. Live rollout requires applicable network onboarding, certification, and bank acceptance testing.
Planned module capabilities
A disciplined gateway
around every message.
Purpose-built services isolate transport, security, message handling, core integration, and operations so each concern can be controlled and observed.
Layered validation
Apply business-header checks, XML signature verification, schema validation, replay protection, and duplicate detection.
Intelligent dispatch
Route pacs.008, pacs.002, pacs.004, camt.056, and administrative messages to focused processors.
Hybrid processing
Return immediate protocol responses where required and use durable workers for deferred processing paths.
Core banking boundary
Keep payment-network protocol behavior in the gateway while core adapters own posting, reversal, recall, and inquiry integration.
Operational visibility
Track queue state, retries, dead letters, audit events, admin session state, health, and processing metrics.
Modular architecture
Secure at the boundary.
Durable through the lifecycle.
The gateway creates an explicit boundary between payment-network protocol handling and core banking services.
- 01→
InstaPay services
Inbound and outbound ISO 20022 exchanges
- 02→
Secure ingress
Transport handling, business-header extraction, payload persistence, and acceptance
- 03→
Validation & routing
Signature, schema, replay, duplicate protection, parsing, and dispatch
- 04→
Payment processing
Payment, status, reversal, recall, and administration processors
- 05
Core & operations
Core banking adapter, durable queues, event outbox, audit, metrics, and health
Operational safeguards
Built for work that must be
explainable and supportable.
Durability first
Raw inbound messages, processing state, outbound work, and events are persisted to support traceability and recovery.
Idempotent handling
Message hashes, business identifiers, replay records, and transaction state reduce duplicate processing risk.
Operator control
Administrative session state, health endpoints, metrics, audit logs, retry state, and dead-letter visibility support live operations.
Part of Express-O 17
A planned module.
Part of the flagship.
Connect real-time payment services through a dedicated integration layer while Express-O 17 remains the system of record for banking operations.
Explore the core banking platform →Let’s plan your next step
Explore how InstaPay Gateway can fit your institution.
Share your current environment, reporting or payment scope, and operational priorities with our banking technology team.
Discuss your requirements