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UPI is a real-time, interoperable payment interface that enables instant bank-to-bank transfers via mobile devices using a simple ID or QR code, bypassing the need for traditional card or account details.

AptPay is an account-to-account payment platform powering instant Pay-by-Bank deposits and real-time disbursements through a secure, compliance-first infrastructure.

BLIK is a Polish A2A payment system providing secure, code-based mobile payments, instant P2P transfers, and cardless ATM access directly through a user's banking app.

CDRN is a manual Visa-specific chargeback prevention network that provides a 72-hour window for merchants to resolve disputes via direct refund

RDR is an automated Visa-specific dispute engine that uses merchant-defined rules to instantly refund contested transactions

Ethoca is a global collaboration network that prevents chargebacks and friendly fraud by providing real-time dispute alerts

Neosurf is a versatile prepaid payment system that allows users to pay online instantly and anonymously using 10-digit cash vouchers or a multi-feature digital wallet and prepaid Mastercard.

Trustly is open banking-powered bank transfers, with a strong focus on real-time, card-free, and wallet-free transactions.

MyBank is the pan-European solution designed by EBA Clearing for domestic and cross-border e-commerce payments. It enables consumers to pay for their online purchases in an easy and safe way using real-time bank transfers. MyBank positions itself as a flexible solution for both B2B and B2C businesses: over 250 banks and PSPs have joined the MyBank network throughout Europe. It is an especially popular payment method in Italy and has a potential consumer base of 40 million consumers across Europe. Consumers complete payments by selecting their bank and logging in with their online banking credentials.

BANCOMAT Pay® is a mobile payment service created by BANCOMAT which enables consumers to make e-commerce purchases through an app on their mobile phones. It is available to all PagoBANCOMAT® cardholders via their bank's app or the BANCOMAT Pay app and is connected to their bank account by phone number and IBAN. Other services offered by BANCOMAT Pay directly include peer-to-peer, money transfers, and in-store payments. Consumers enter their mobile number at checkout and confirm the payment through the app by PIN, fingerprint, or face recognition.