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Payments & Switching

Instant fund transfers, engineered to hold up under load.

IMPS connectivity for P2P and P2A transfers with MMID and account+IFSC based routing, built to keep processing steady during high-volume windows.

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Overview

How IMPS Switch fits into your stack

The IMPS Switch gives banks and NBFCs direct, certified connectivity to the IMPS network for person-to-person and person-to-account transfers. It manages beneficiary validation, channel-specific limits and exception handling in one layer, so your mobile banking, internet banking and API channels can all push transfers through a single, well-monitored gateway.

24×7×365Continuous availability
<2sAverage transfer time
Multi-channelMobile · Internet · API

At a glance

  • Category: Payments & Switching
  • Deploys alongside your existing core banking system
  • Configurable rules — no re-deployment for policy changes
  • Built-in monitoring, audit trail and reporting
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Capabilities

What's inside IMPS Switch

01

MMID & account-based routing

Supports both legacy MMID-based and account+IFSC transfer types from one engine.

02

Channel-aware limits

Applies distinct velocity and value limits per channel — mobile, internet, API, USSD.

03

Beneficiary validation

Pre-validates payee details to cut failed and returned transactions.

04

Exception workflow

Structured handling for timeouts, reversals and suspect transactions.

05

Settlement reporting

Generates NPCI-ready settlement and dispute files automatically.

06

Horizontal scaling

Add processing nodes without re-certifying the whole stack.

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Other products in our suite

See IMPS Switch against your own workflow

We'll walk through the module using scenarios from your own operations, not a generic script.