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24×7 Instant Payments / IMPS

Instant money.
Always on.

Mobee IMPS Switch is the real-time rail beneath interbank fund transfers — connecting your platform to the NPCI IMPS network with validation, risk checks, routing and settlement logic built in.

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IMPS / TRANSACTION ROUTE
Your ChannelApp / PPI / Bank
NPCI NetworkBeneficiary Bank
< 2sAvg. response
99.9%Platform uptime
24×7Availability
Business Fit

The transfer rail your operations team can actually run.

One Mobee integration gives banks and PPIs multi-bank reach, automated reconciliation and real-time visibility across successful, failed and pending transactions.

01

P2P and P2A in one flow

Support mobile number + MMID and account number + IFSC based transfers through one switching layer.

02

Pre-validation before NPCI

Limits, KYC status and fraud rules are checked before a request leaves your system.

03

Multi-bank reach

Route to NPCI-connected banks without maintaining separate integrations for each destination.

04

Operations visibility

Surface failed, pending and successful transactions in real time, with automated reconciliation and exception reporting.

Compliance-readyNPCI CertifiedRBI IMPS GuidelinesPCI DSSISO 27001
Transaction Journey

From request to settlement.

A business page should show the operating flow, not just feature cards. Scroll through the path an IMPS transaction takes through the switch.

01

Request initiation

The customer initiates a transfer from your app; Mobee captures beneficiary and amount details.

02

Validation & risk check

Limits, KYC status and fraud rules are checked before the request leaves your system.

03

NPCI IMPS routing

The validated request is routed to the beneficiary bank through the NPCI IMPS network.

04

Settlement & notification

Funds move in real time; both parties receive confirmation and the ledger updates.

Digital payment environment in Bengaluru, India
IMPS / REAL-TIME ROUTING

One request. One controlled path.

Validation, routing, response handling and settlement visibility stay inside the same operational chain.

Operations & Economics

Benefits that show up after go-live.

This is where the switch becomes a business system: fewer failed transactions, less manual reconciliation, elastic capacity and a complete audit trail.

Instant fund availability for customers at any time of day
Fewer failed transactions through pre-validation
Automated reconciliation reduces manual operations effort
Elastic infrastructure absorbs salary-day and festive spikes
Full audit trail across request, response and settlement events
IMPS / OPERATIONS VIEWREAL-TIME
T+0Reconciliation
<2sResponse target
24×7×365Service window
Capability Ledger

What the switch handles.

The core capabilities are presented as an operational ledger so the page reads like an infrastructure product, not a generic marketing template.

0124×7×365 availability

No batch cut-offs blocking customer transfers, including weekends and holidays.

02P2P & P2A transfers

Account + IFSC and mobile + MMID based transfers in a unified flow.

03Multi-bank routing

Reach NPCI-connected banks without separate destination integrations.

04Auto reconciliation

T+0 reconciliation against NPCI settlement files with exceptions flagged.

05Sub-second response

Optimized routing paths keep average response times under two seconds at peak load.

06Built-in risk checks

Velocity, limit and blacklist checks run before every request reaches NPCI.

Connected Products

Extend the payment stack.

UPI Switch

PSP-grade UPI switching with Collect, QR and Autopay.

AEPS

Aadhaar-enabled micro-banking for the last mile.

FRM

Real-time fraud screening for every transaction.

IMPS / Production Ready

Put instant payments into production with one accountable switch partner.

Talk to Mobee about integration, certification, migration and go-live requirements for your IMPS program.

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