--- title: Pythagoras Solutions - Instant Payment Screening description: Pythagoras Instant Payment Screening System - IPSS - learns and checks payments in real time in comparison with reference data from leading providers. image: https://pythagoras-solutions.com/hubfs/Canva%20images/Blog%20Header%20Instant%20Payment%20Mobile%20Stripes%201-2-1.jpg --- # Instant Payment Screening ## Real-time verification of payment data against reference data for quick decisions ![PS_Instant-Payment_01](https://pythagoras-solutions.com/hs-fs/hubfs/PS_Instant-Payment_01.png?width=350&height=362&name=PS_Instant-Payment_01.png) - ### Sophisticated process for high-performance and fail-safe payment evaluation - ### Response via web service - ### Numerous configuration options and intelligent algorithms - ### High-precision real-time decisions to minimize the false-positive rate ## Advantages of Instant Payment Screening ![Secure](https://pythagoras-solutions.com/hs-fs/hubfs/Design%20ohne%20Titel-34.png?width=200&height=200&name=Design%20ohne%20Titel-34.png) ##### Secure High data security through local installation ![Reliable](https://pythagoras-solutions.com/hs-fs/hubfs/Design%20ohne%20Titel-33.png?width=200&height=200&name=Design%20ohne%20Titel-33.png) ##### Reliable The system has 24/7 guaranteed availability thanks to the architecture structure ![Scalable](https://pythagoras-solutions.com/hs-fs/hubfs/Design%20ohne%20Titel-36.png?width=200&height=200&name=Design%20ohne%20Titel-36.png) ##### Scalable Designed for a high number of transactions, the system can be scaled easily ![Performant](https://pythagoras-solutions.com/hs-fs/hubfs/Design%20ohne%20Titel-30.png?width=200&height=200&name=Design%20ohne%20Titel-30.png) ##### Performant Screening and response to the payment system in under <1/100 seconds depending on the IT infrastructure ![Transparent](https://pythagoras-solutions.com/hs-fs/hubfs/Design%20ohne%20Titel-28.png?width=200&height=200&name=Design%20ohne%20Titel-28.png) ##### Transparent Transparent screening rules, configurable according to your requirements ![PS_benefit_icon_optimiert](https://pythagoras-solutions.com/hubfs/Imported%20sitepage%20images/PS_benefit_icon_optimiert.svg) ##### Learning System The system learns through manual post-processing, saves decisions, only checks changes for recurring partners and increasingly accelerates the payment flow. ![Traceable](https://pythagoras-solutions.com/hs-fs/hubfs/Design%20ohne%20Titel-31.png?width=200&height=200&name=Design%20ohne%20Titel-31.png) ##### Traceable Complete audit trails and tamper-proof history ![Datenneutral](https://pythagoras-solutions.com/hs-fs/hubfs/Datenneutral.png?width=200&height=200&name=Datenneutral.png) ##### Data-Neutral Reference data obtainable from several leading providers ### Discover the functions of the Instant Payment Screening product Our experts will show you the module free of charge and without any obligations [ Book Demo ](https://share.hsforms.com/1NnWKayPST9y2cKKSXGvMZwarjc) #### FAST RESPONSE Average processing time based on real life system: 130 ms #### SCREENING SEPA – real-time payments against reference data #### MATCHING In less than <1/100 seconds, depending on the IT infrastructure #### INSTANT Mobile and online payments #### TRANSACTION VOLUME HIGH TRANSACTION VOLUME #### PRE-SCREENING For approval before bank releases payment #### AVAILABILITY High performance file system stores configurations, indexes and ratings #### Scalable With load balancer and multiple IPSS instances #### FLEXIBLE Many options to configure screening rules and data selections (e.g. Sanctions only) #### IMPORT FORMAT Developed for standard payment format ISO 20022,  pacs.008 - other formats possible #### PROVEN TECHNOLOGY Use of Microsoft IIS and Windows Services, MS SQL databases, XML file exchange #### EXPERIENCE Works for major European banks since 2019 - 15 million transactions screened per year. ### **Instant payment screening explained in a nutshell** The MCO Pythagoras Instant Payment Screening solution is used to quickly check transaction partners and instruct the banking system on whether a transaction should be executed. The user-friendly module enables compliance staff to process the company's business relationships in a highly available area. This can be operated independently of the application to ensure a more cost-effective infrastructure. Integration with MCO Pythagoras [Transaction Monitoring](https://pythagoras-solutions.com/en/transaction-monitoring?hsLang=en) provides a comprehensive overview of all transactions. Instant payment hits and ratings are processed seamlessly in [Partner Screening](https://pythagoras-solutions.com/en/partner-screening?hsLang=en) , where compliance managers review and edit transactions and hits and assign ratings, which the system takes into account for future transactions. In this way, the system continuously learns from the manual post-processing of false positive or false negative hits and increasingly accelerates the payment flow. ## More solutions from MCO Pythagoras [Transaction Monitoring ](https://pythagoras-solutions.com/en/transaction-monitoring?hsLang=en) ![Transaction Monitoring-3](https://pythagoras-solutions.com/hs-fs/hubfs/Transaction%20Monitoring-3.png?width=200&height=200&name=Transaction%20Monitoring-3.png) Transaction Monitoring Plausibility analysis of financial transactions [Transaction Screening ](https://pythagoras-solutions.com/en/transaction-screening?hsLang=en) ![Transaction Screening](https://pythagoras-solutions.com/hs-fs/hubfs/Tranaction%20Screening.png?width=200&height=200&name=Tranaction%20Screening.png) Transaction Screening Money laundering compliance through learning AML software [API ](https://pythagoras-solutions.com/en/api?hsLang=en) ![API-2](https://pythagoras-solutions.com/hs-fs/hubfs/API-2.png?width=200&height=200&name=API-2.png) API REST/SOAP interface for MCO Pythagoras integration into in-house applications ![](https://px.ads.linkedin.com/collect/?pid=5498506&fmt=gif)