Implement sound and flexible real-time payment processing to support your bank’s digitalization

The advent of Instant Payments challenges the organization of your information system. You have to manage increased service levels, while maintaining accrued security at the same time.

CRISTAL Instant Payments is a proven and highly performing component to support instructions processing and smoothly integrate within your payment and digital banking platform. CRISTAL foundation ensures operational security. CRISTAL design ensures the required flexibility to meet all requirements for all future Instant Payments use cases.


  • 24/7/365 with 99,999% availability
  • 500 milliseconds per transaction in high throughput context
  • 500 transactions per second, up to 20 million transactions per day
  • Support EPC rulebook and AOS in multi-CSM environment
  • Configurable processing in order to deploy various use cases
  • Natively multi-bank , multi-currency, multi-schemes
  • Flexible integration with client channel applications, including Open Banking
  • Liquidity management for proprietary account and indirect participants

Value for our clients

  • Secure your time-to-market and ramp-up
  • Ensure your long term compliance with requirements from the future payment market
  • Implement all use cases required for your customers
  • Tailor your risk and fraud management to the diversity of use cases and market segments
  • Enhance your payment infrastructure to support the demands arising from digitalization

Rémi Tanon, Head of Innovation and Market Infrastructure Projects, BRED Banque Populaire

This project aims at strengthening our leadership position in cash management by offering our customers a modern, secure and instant payment method that will support the development of our innovative digital banking offerings. We chose the Worldline solution because of the relevance of its functional scope and of our successful experience using the CRISTAL platform.