Английская Википедия:Instant payment
Шаблон:Short description Шаблон:Use British English Шаблон:Use dmy dates
Instant payment (sometimes referred to as real-time payment or faster payment) is a method of electronic funds transfer, allowing for almost immediate transfer of money between bank accounts. This was in contrast of the previous transfer times of one to three business days that had been in place until the mid 2010s.[1]
Since the mid 2010s many countries have implemented instant payment systems that speed up the transfer between bank accounts in response to customer demand for faster transactions.[1]
The Euro Retail Payments Board (ERPB) in 2018 defined instant payments as: Шаблон:Blockquote
History
Originally clearing of payments was based on the cheque clearing cycle that required physical cheques to exchanged by banks at clearing houses for payments to be made between bank accounts. When electronic payments entered the banking systems from the 1970s onwards, the same timeframes and processes were used to settle these electronic payments.
The growth of e-commerce since the 2000s has caused a change in people's spending patterns and expectations. Shopping is no longer confined to regular business hours, creating new challenges for funds transfers.[2] Similarly, merchants require faster and more reliable money transfer systems to keep up with consumers' demands.[3]
Traditional electronic payments like bank transfers, that perform the electronic funds transfers within few business days, are not in line with user expectations.[4][5]
Notable Instant Payment Systems by Country
Name | Country | Launched | Payment Sources | Identifiers | Notable Features | Transaction Volume per year (in billions) |
---|---|---|---|---|---|---|
New Payments Platform (NPP) | Шаблон:Flag | 2018[6] | Bank Account[6] | Phone number, email or Australian Business Number[6] | Recurring Payments[6] | 1.2 (2022)[7] |
Pix | Шаблон:Flag | 2020[8] | Bank Account[9] | QR code
Pix Key/Alias[10] |
Get change as cash at merchants (Pix Troco)[11]
Cash withdrawal (Pix Saque).[12] |
42 (2023)[13] |
Internet Banking Payment System (IBPS) | Шаблон:Flag | 2010 | Bank Account
e-wallet[14] |
QR Code
Mobile Number[14] |
Recurring Payments[14] | 18 (2022)[15][14] |
MobilePay | Шаблон:Flag | 2013[16] | Bank Account[17] | Mobile Number[18] | Common app for users of all banks, ability to chat.[17] | - |
MobilePay | Шаблон:Flag | 2013[16] | Bank Account[19] | Mobile Number[19] | Common app for users of all banks, ability to chat.[19] | - |
Faster Payment System (FPS) | Шаблон:Flag | 2018[20] | e-wallet, Bank Account[21] | QR Code
Mobile Number[21] |
Supports both Hong Kong Dollar & Chinese Yuan Renminbi | 0.531 (2023)[22] |
GIRO Zrt | Шаблон:Flag | 2020 | Bank Account[23] | Bank Account Number
Mobile Number Tax Number |
- | |
Unified Payments Interface (UPI) | Шаблон:Flag | 2016[24] | Bank Account[24]
Prepaid Wallet[24] Credit Card[24] Credit Line[24] CBDC Stored Value[25] |
QR Code[24]
NFC[24] UPI ID[24] Mobile Number[24] Bank Account Number with IFSC[24] |
Recurring Payments (UPI AutoPay)[24]
Foreign Inward Remittance[24] Payments without Internet/Network (UPI Lite X)[24] Feature phone compatibility[28][24] UPI OneWorld (for tourists)[24] ATM Withdrawal[24] |
117.6 (2023)[29][30] |
Immediate Payment Service (IMPS) | Шаблон:Flag | 2010[31] | Bank Account[31] | Mobile Money Identifier (MMID)[31]
Bank Account Number with IFSC.[31] |
Foreign Inward Remittance (FIR)[32] | 5.8 (2023)[33] |
ZENGIN | Шаблон:Flag | 1973 | Bank Account[34] | Account Number[34] | Inward Remittance[35] | 3 (2023)[35] |
CliQ | Шаблон:Flag | 2020 | Bank Account[36] | IBAN
Account number Alias |
0.03 (2023)[37] | |
Raast | Шаблон:Flag | 2019 | Bank Account | IBAN
Mobile Number[38] |
0.16 (2023) | |
InstaPay | Шаблон:Flag | 2018 | Bank Account
e-wallet[39] |
QR Code
Account Number and Recipient's Bank Name Mobile Number Email ID[40] |
0.74 (2023)[41] | |
PESONet | Шаблон:Flag | 2017 | Bank Account
e-wallet[42] |
Account Number and Recipient's Bank Name
Mobile Number Email ID[43] |
0.08 (2023)[44] | |
Bilk | Шаблон:Flag | 2015 | Bank Account | NFC
Dynamic Code[45] |
ATM Withdrawal & Deposit
Recurring Payments |
0.51 (2023)[46] |
Fast and Secure Transfers (FAST) | Шаблон:Flag | 2014 | Bank Account | Bank Account Number with Bank Code[47] | 0.29 (2022)[48] | |
PayNow | Шаблон:Flag | 2017 | Bank Account | QR Code
NRIC Mobile Number[49] |
International Remittance | 0.31 (2022)[50] |
Bizum | Шаблон:Flag | 2016[51] | Bank Account[52] | Mobile Number[52]
QR Code[52] |
Direct Donations to NGOs[51] | 1 (2022)[53] |
Swish | Шаблон:Flag | 2012[54] | Bank Account | QR Code
Mobile Number[55] |
- | |
Twint | Шаблон:Flag | 2017[56] | Bank Account | QR Code
Mobile Number Dynamic Token[56] |
0.59 (2023)[57] | |
PromptPay | Шаблон:Flag | 2021 | Bank Account | QR Code
Mobile Number |
3.6 (2023)[58] | |
Faster Payment Service (FPS) | Шаблон:Flag | 2008 | Bank Account | Account Number and Recipient Name
QR Code |
Forward dated payments
Standing orders |
4.5 (2023)[59] |
Zelle | Шаблон:Flag | 2017 | Bank Account | Email
Mobile Number |
2.3 (2022) | |
FedNow | Шаблон:Flag | 2023 | Bank Account | - |
See also
References
- ↑ 1,0 1,1 Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ 6,0 6,1 6,2 6,3 Шаблон:Citation
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ 14,0 14,1 14,2 14,3 Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ 16,0 16,1 Шаблон:Citation
- ↑ 17,0 17,1 Шаблон:Citation
- ↑ Шаблон:Citation
- ↑ 19,0 19,1 19,2 Шаблон:Cite web
- ↑ Шаблон:Citation
- ↑ 21,0 21,1 Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ 24,00 24,01 24,02 24,03 24,04 24,05 24,06 24,07 24,08 24,09 24,10 24,11 24,12 24,13 24,14 24,15 Шаблон:Citation
- ↑ Шаблон:Cite web
- ↑ Шаблон:Citation
- ↑ Шаблон:Citation
- ↑ Шаблон:Citation
- ↑ Шаблон:Cite news
- ↑ Шаблон:Cite web
- ↑ 31,0 31,1 31,2 31,3 Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ 34,0 34,1 Шаблон:Citation
- ↑ 35,0 35,1 Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ 51,0 51,1 Шаблон:Cite web
- ↑ 52,0 52,1 52,2 Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ 56,0 56,1 Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web
- ↑ Шаблон:Cite web