VIN (Vehicle Identification Number) 1G1YT2DW9A5107632. BACKGROUND . 8. nginxA collector has to give you “validation information” about the debt. The NPP was. nginxMyAmeriGas is our easy to use, online account management tool where you can order propane, pay your bill, enroll in text message alerts, and manage your propane usage. ’ Comparisons with the UK’s Fast Payment Service (FPS) shows Australia is well ahead at the same number of years post launch. Because the Platform enables funds to move between institutions and accounts in. Swift has helped to design, build, test and deliver the NPP and will play a key role in operating the infrastructure for the NPP. PayTo is a service offered by banks, financial institutions and payment service. Mileage. faster payment outcomes and the overlay services framework will provide new value to Australian consumers and businesses. Search the financial institutions that offer NPP-enabled payments and services here. Manage and pay bills. N 12/30/30. PayID and New Payments Platform (NPP) FAQ's | Heritage Bank Call us NPP faster payments via the New Payments Platform (NPP) are subject to Heritage’s real-time-fraud monitoring and other security measures designed to keep your accounts safe. Further guidance, including any data elements used specifically by any NPP overlays, are. A modern alternative to direct debit. This includes the NPP in Australia, Singapore's FAST and Sweden's Swish. . As expected, the big-four banks - NAB, CommBank, ANZ, and Westpac all use Osko. as real-time payments. The NPP’s paradigm-shifting financial architecture has been. com. pr@gmail. The NPP, launched in February 2018, is a fast payments system developed by a consortium of 13 financial institutions, including the Reserve Bank. A report into the incident reveals hundreds of thousands of supposedly real-time payments sent by the public were delayed for four hours up to “more than five days”. If overseas, call +617 4694 9139 . 1. Depending on the end-goal, there are five pathways an organisation could follow to access the NPP and its benefits: 1. 49370. For first time payments, you will be required to accept the Terms and Conditions. With the free Android® mobile app you can do all of that. Exterior Gray Interior Ebony/Titanium Gray Leather Engine 6. With the digital banking experience you'll have access to: Increased security and fraud protection. $3 billion. circumstances, and read the relevant terms and conditions and Product Disclosure Statement (available in-branch or at heritage. Supports different payment types (including both . S. Who owns the NPP? 13. nginxThe Heritage Foundation has launched an ambitious initiative known as Project 2025. 1 PayID is the NPP Payment addressing service that enables payers to make NPP Payments to payees using an alternative identifier instead of a BSB and account number. M. We also help companies beat fraud, send invoices, issue virtual and physical cards, reduce friction at checkout, get financing, manage business spend, and much more. More than 30% of all account-to-account credit . Our payment solutions are customisable, scalable and tailored for every business – from startups to large enterprises. Single Credit Transfer (SCT) is a service on the NPP that enables near real time payments 24/7, including weekends and public holidays. Osko® sends money between participating banks fast within online banking. Send, receive and request money. 11 PayTo Brand Guidelines 17-13As of the end of August 2021, there were 106 entities using the NPP to provide payment services to their customers; this includes 93 entities (eight of which are non-ADIs) that are indirectly connected to the NPP via one of the direct participants. Fast Payment is a CommBiz feature that lets you send money to most Australian financial institutions through the New Payments Platform (NPP). On November 2, 2021, the Centers for Medicare & Medicaid Services (CMS) issued the calendar year (CY) 2022 Medicare Physician Fee Schedule (MPFS) final rule which, among other policy and regulatory changes, finalized regulations codifying CMS requirements for billing for “split (or shared)” evaluation and management (E/M) visits. Customers can send detailed information with a payment and nominate the payment recipient in a simple way. 2/4/6) an ongoing DCB or ACB. Please sit back, relax, and be confident you have found the best place to buy a Corvette Coupe, Convertible, Grand Sport, Stingray, or Z06. There are now close to 89 million accounts able to make or receive NPP payments and the platform now processes more than 100 million transactions a month. Download the app. You can set up a regular scheduled transfer to another Heritage account or another financial institution. Heritage delivered inbound payments for the NPP in 12 months; and in 18 months, Marchant said. Heritage today announced the completion of its rollout of services via the New Payments Platform, enabling near real-time funds transfers. There is no netting or batching and payments are settled line-by-line in real time. com. The NPP was developed via industry collaboration to enable households, businesses and government agencies to make simply addressed payments, with near real-time funds availability to the recipient. MeBank (might be delayed to 2019) Qudos Bank. • Check Account Balances. Corvette Warehouse Message Us 972-620-8200 2432 Walnut Ridge St. Funds are received on average in under 60 seconds, 24 hours a day, 7 days a week. 30am to 1pm (Closed on Sundays and Public Holidays) Q-Ticket issuing Hours: Weekdays - 8. This could be: To an account at another Australian financial institution (an inter-bank transfer). Radiometer Suite (VIIRS) 0130, 1330 local time orbits “Early afternoon slot” Credit: NASA. in a standardised, consistent and secure way . Stay up to date with faster alerts and push notifications. 2/4/6) an ongoing DCB or ACB. nginx301 Moved Permanently. The above illustrates that CDR has been concerned with Open Banking; and NPP with. If you would like to contact the MLN, please email us at MLN@cms. nginx301 Moved Permanently. However, Asanteman’s arrival reverberated through Bono land, leaving an indelible mark on the proceedings. nginx301 Moved Permanently. NPP payments every day, accounting for close to 27% of . Enable the ‘Transfer PayID’ option in the Heritage Mobile Banking App. Contact us 24/7. Specialised Business Payment Solutions Payment, Settlement & Financial Crime Management Contact us Powering smart, sophisticated real-time payments. Get in touch. Here's a list of Australian banks that have joined the New Payments Platform (NPP) and offer real-time payments using Osko and PayID. Running in the MS Windows environment, its use is governed by GPL License. It’s designed to facilitate the real-time transferring of funds between individuals or businesses and was one of the first services to operate using the New Payments Platform (NPP). Version 1. Transmission Automatic. NPP Solution Overview The “Basic Infrastructure” elements of the NPP include the Network, Switch and Addressing Database. The QLM is located in a mid-latitude temperate zone of the Northern Hemisphere, expanding a geographical range of 93°31′–103°54′E in longitude and 35°50′–39°59′N in latitude and covering a total area of 2. Call 13 14 22 or if. We have a staff of experienced agricultural lenders that specialize in agricultural lending. The NPP was developed through industry collaboration to enable payments to be made and received in near real-time. Update to the ESRD Composite Payment Rates. Download the Heritage Mobile Banking App from the App store. Learn more with Heritage Bank. 4. nginx301 Moved Permanently. It covers the API design principles, security, testing, and governance aspects of the NPP APIs. More Homeowner Resources. { event_time": "11/10/2021 02:33:30", "_ref": "D. S. But volumes are entirely been used for low-value payments. Update and manage accounts with many new and improved self-service features. First American Payment Systems has also been known to charge a. Manage and access your funds while earning interest. Bank from almost anywhere with the U. 301 Moved Permanently. Thanks again for your patience and our apologies for any inconvenience the problem created. Learn more with Heritage Bank. Eddy Dedominicis. Organisations that clear and settle payments on behalf of their customers can connect directly to the Platform if they are an Authorised Deposit-taking Institution (ADI) or a Restricted ADI, whether they are fully or conditionally licensed. Two NPP payment systems used include Single Credit Transfer and OSKO. For first time payments, you will be required to accept the Terms and Conditions. Initiation messages Technical guidance for third parties. is fostering the ongoing evolution and development of payment services. Mahamadu Bawumia to lead the party will make it easier for the NDC to win. How long does it take for a. Use Personal Internet Banking to make a real-time payment/transfer. 3—Assistant at Surgery Services (Rev. Telephone: 301-415-7554. 31 October 2019 NPP AUSTRALIA LIMITED ABN: 68 601 428 737. SGQR Code Generator. A PayID is a unique identifier - either your email address* or Australian mobile number* that can be used to receive faster payments to your bank account. The company. Overlay services. A. What is NPP in distribution? 12. m. The MPFS 2023 Final Rule released Nov. Auctions. the question whether faster payment systems create newfraud risks. • Create and maintain PayIDs to receive NPP faster payments. nginx301 Moved Permanently. The Heritage Foundation has launched an ambitious initiative known as Project 2025. 13/Billing Procedures for Entities Qualified to Receive Payment on Basis ofBeneficiaries of a Lincoln Heritage claim have a variety of ways to file a claim. Some domestic and international payment systems already use the ISO 20022 messaging standard, for example, Australia's New Payments Platform (NPP). As a part of the Tibetan Plateau, its elevation ranges from 2000 to 5800 m above the sea level and. Today, approximately one in three NPP transactions involve a payment either s to or from a business. The Bank expects to publish data on additional NPP payment methods as they become available. The NPP infrastructure supports the independent development of ‘overlay’services to offer innovative payment services to end-users. While the rollout of the NPP has been gradual, usage grew rapidly over the secondThe new data show that online banking and NPP fast payment services were the least reliable retail payment services provided to households and businesses during the year to June 2022. The Mandated Payments Service (MPS. If someone sends a NPP OSKO payment to your Heritage account, most banks will convert the payment to SCT to allow Heritage to receive it. Two NPP payment systems used include Single Credit Transfer and OSKO. China Popul. Our local Australian contact centre is waiting for you. About us. Making and receiving NPP Payments using PayID. nginxWASHINGTON — Today, the U. Suncorp Bank (might be delayed to 2019). nginxThe Hubble Heritage image of N 49 is a color representation of data taken in July 2000, with Hubble's Wide Field Planetary Camera 2. nginxA 'Blue Marble' image of the Earth taken from the VIIRS instrument aboard NASA's Earth-observing satellite – Suomi NPP. Our Contact Centre is here to help you with internet banking, account troubleshooting, card management and lots more. 2 What is PayTo 80 27. 30pmBlockchain captures the spotlight in this week’s B2B Payment Rail Innovation roundup, with community banks in the U. Rates are still low, and with a fast loan process, low closing costs, we can determine the financing and payment options that are best for you. President Nana Addo Dankwa Akufo-Addo stated that government would fund the cost of public senior high schools (SHS). Call 13 14 22 or if overseas, call +617 4694 9000. 8 Mandate Payment Initiation Requests and Mandate Payment Processing 17-10 17. In order to access this website, you must sign in. Scope and application. 5 Amending your PayTo Agreement 82. nginx301 Moved Permanently. Enable the ‘Transfer PayID’ option in the Heritage Mobile Banking App. OSKO is a service offered by BPAY® that is built on the NPP that enables near real time payments 24/7, including weekends and public holidays. If you notice any unauthorised transactions, we can help you dispute a transaction. Third parties wanting to use the NPP to The New Payments Platform ( NPP ), operated by New Payments Platform Australia Ltd ( NPPA) [1] is an industry-wide payments platform for Australia. EOCO issues warning on new trend of cheque, payment fraud. Heritage Online lets you manage your accounts, pay bills, transfer funds and more–24/7, all from your home computer. I need help finding my policy underwriting company. 1. NPP imposing Bawumia on Ghanaians although he has been rejected – Minority Chief Whip. How to create, transfer, lock, close and pay to a PayID with Heritage Bank. com. The speed at which you can send and receive payments is changing. PayID and New Payments Platform. New Payments Platform 2-----2 This diagram is used with permission from the NPPA. NPPs may bill payers directly, rather than billing under a physician, in certain circumstances. Start with payments. Mapping of PEPPOL Payment Means to an NPP Payment ID Lvl Attribute Name Cardinality Description Business Rules NPPA Mapping Note: Any references to “VAT“ should be taken to mean “tax” in the Australian and New Zealand context. Send money via NPP faster payments in our Mobile Banking App. While. Our approach to enabling access to the infrastructure is focused on encouraging competition within the Australian financial. Published 4 July 2019. Advanced card Solutions comprehensive card issuing EASY CARD MANAGEMENTASL provides advanced and comprehensive card and mobile payment solutions that enhance your cardholder relationships, and help enable the issuing and management of cards, mobile wallets, wearables and more. Transaction volumes are up 63% and transaction values by 75% compared to September 2020. nginxwritten by an NPP who . SWIFT will build, deliver and support the Network and Switch components and we haveThere are now 107 financial institutions offering NPP payment services for almost 90 million customer accounts. Sub Model. A good example of how overlay. Careers. Developed by Australia’s Banking Industry, the NPP will transform the way we pay each other, allowing payments in near real time. We're here to help. 153 1 cac:PaymentMeans 0. PayIDs are registered and managed by your bank Your payment details and personal information associated with your PayID® can only be accessed by your bank. Last updated Monday, 27 June 2022 Fact Checked Advertiser disclosure After much speculation and fanfare, the New Payments Platform (NPP) has officially. This process is similar to the. . See CR 9603 5. Some payments that were previously processed via the Direct Entry (DE) system – particularly some direct credit transfers and certain government payments (including support payments such as COVID-19 relief) – have been migrating to the NPP, contributing to the strong growth in NPP transactions over the past few years (Graph 2. Banking. n A group of business terms providing information about the payment. If someone sends a NPP OSKO payment to your Heritage account, most banks will convert the payment to SCT to allow Heritage to receive it. You may be able to sell biodiversity units and nutrient credits with CSR payments. nginxBy agent (43) By owner & other (0) Agent listed. With the New Payments Platform (NPP), sending and receiving payments can now be as fast and simple as sending a text message. These changes are for your benefit and will take effect from 9 November 2023. nginx301 Moved Permanently. The New Payments Platform Individuals or organisations interested in the New Payments Platform can read more about ithere. 1 million payments worth $1 billion made per day in January 2020. nginx301 Moved Permanently. See the Notepad++ official site for more information. The last Section G, provides details regarding the Financial Operating Plan for Mathura, NPP. Funding will be provided to successful applicants through three streams: Indigenous Cultural Heritage Infrastructure grants; Sense of Place grants; and Cultural. 0607. The EF-NPP model can reflect the change in the global climate, the degradation of the soil, and the progress of the technology. com. If someone sends a NPP. The New Payments Platform (NPP) is a faster, more versatile, simpler, and more data rich, near real-time payment system, which meets the needs of a 24/7 digital. gov. nginxThe proposed use of the Heritage Fund to implement the free SHS education policy. Debt settlement companies work differently. The Reserve Bank of Australia has lifted the lid on a crippling outage that halted transactions flowing through the New Payments Platform (NPP) offline in mid-October. A Fast Payment can be addressed to a PayID or BSB and account number. 2023 Payment Rates. See full list on heritage. com. PayTo® is a modern digital payment solution offering a fast, easy and secure way to pay. 301 Moved Permanently. Go to site. The NPP. nginxFile a Claim. Frequently. hhs. Heritage Online banking features include the ability to: Get current account information safely and securely. Incident to billing is paid at 100% of the physician fee schedule, whereas the qualified practitioners billing under their own billing numbers are paid at 85% of the physician fee schedule. 17. Interior Color. 2004 MLN Matters Articles. Since 2018, the New Payments Platform (NPP) has helped make significant strides in Australia’s digital payments infrastructure, a fact evidenced by the country’s current status as the 13th largest eCommerce market in the world¹. Funds are received on average in under 60 seconds, 24 hours a day, 7 days a week. Learn how we protect you from fraud and become savvy at identifying scams with our help guides and security tips. S. 10 RBA 1-23. The data richness of NPP payment messages – enabled by ISO 20022 – means information such as the full legal account name of the sender and additional identifiers such as date of birth can be carried from the country of origination all the way through to the receiving bank in Australia. 0 is the latest document that provides guidance on how to use the NPP APIs to access the NPP payment capabilities and data. CMS’ Guidelines 20. nginx301 Moved Permanently. participation in the NPP . You can search for which banks, building societies and credit unions are offering PayID here. single ‘pay anyone’ retail payments being processed . Mistaken Fast Payment using Mobile Banking App (NPP) If you made a mistake with an NPP Faster Payment in the Mobile Banking App, you may request for the funds to be returned by contacting Heritage, however there is no guarantee for their return. Currently, Heritage only accepts NPP Single Credit Transfers (SCT). Color filters were used to sample light emitted by sulfur ( [S II]), oxygen ( [O III]), and hydrogen (H-alpha). 2) provides the following payment policy: "The contractor shall pay covered NPP assistant-at-surgery services at 80 percent of the lesser of the actual charge or 85 percent of what a physician is paid under. As an NPP Participant. Do you want to know more about the New Payments Platform (NPP), a world-class payment system that enables fast, data-rich and secure transactions in Australia? Find out how the NPP operates, what are its benefits and features, and what are the roles and responsibilities of its participants. President Nana Addo Dankwa Akufo-Addo stated that government would fund the cost of public senior high schools (SHS). 2/Critical Care by a Single Physician or NPP N 12/30. NPP payment messages support 280 characters of unstructured data. Share. PayID can help protect businesses and customers from scammers who may intercept invoices and change payment details to their own, and without any way of knowing the details were changed. Graph 5. NPP imposing Bawumia on Ghanaians although he has been rejected – Minority Chief Whip. A PayID is a unique identifier - either your email address* or Australian mobile number* that can be used to receive faster payments to your bank account. Our approach to enabling access to the infrastructure is focused on encouraging competition within the Australian. To learn more about NPP and how to set up your PayID, visit our New Payments Platform faster payments page. In February 2018, the NPP – a new payment system infrastructure designed primarily for retail payments – was launched to the public. Currently, Heritage only accepts NPP Single Credit Transfers (SCT). If the physician is not performing a substantive portion of the service, then CMS believes the rate of payment should be at the 85% rate, paid for NPP services. The NPP Regulations and NPP Procedures establish the standards and requirements that apply, as conditions of participation and connection to the NPP. 6 NPP Payments 79 26. Report a lost, stolen or damaged card 24/7. 1, 2022, clarified that billing for this service is allowed for the clinician who 1) performs the substantive part of the encounter based on key components. pr@gmail. They either have to do that during the collector’s first phone call with you or in writing within five days after first contacting you. The collector has to tell you. accurate When you pay to a PayID, you can check that your money is going to the right person or business before you hit send. Check Your Credit Score. The QLM is located in a mid-latitude temperate zone of the Northern Hemisphere, expanding a geographical range of 93°31′–103°54′E in longitude and 35°50′–39°59′N in latitude and covering a total area of 2. This will allow you to electronically transfer money from one of your account to another account. How long does pay AnyBody processing take? 15. Heritage delivered inbound payments for the NPP in 12 months; and in 18 months, Marchant said inbound and outbound payments were delivered. naturekaki. MM4291. Learn more with Heritage. People’s Choice members can create a PayID through Internet Banking or our Mobile. This frees Zepto from the limitations that come with connecting to the underlying payments infrastructure through a 3rd-party, and allows Zepto to innovate. The bank's CEO Peter Lock has put a positive spin on the situation. 30am to 5. This will allow. What is the New Payments Platform (NPP)? The NPP is a new payments infrastructure that has revolutionized the way in which money is sent throughout Australia. What's the housing market like in Paradise? For Sale: 2 beds, 2 baths ∙ 1320 sq. Research progress and debate on the theory of payment for ecosystem services: Based on the relationship between ecology and society. To an account overseas (an international transfer). It gives consumers more visibility and control over their payments, and enables merchants and businesses to initiate real-time payments from their customers’ bank accounts. NPP Solution Overview The “Basic Infrastructure” elements of the NPP include the Network, Switch and Addressing Database. Other members will have the benefit of changes to our processes, although. nginx301 Moved Permanently. Enter the transfer amount and click the arrow. nginxNPP payment messages can support more data, including up to 280 characters of structured or unstructured data. Note: You do not need an account in order to access the Project Review Tool and awareness documents and templates. PayID will be an additional payment option available to your customers. New Skilled Nursing Facility (SNF) Consolidated Billing (CB)Website Address. Deposit checks. nginx301 Moved Permanently. If service delivery does not meet all incident to criteria, but qualifies for billing by the practitioner, payment is made at 85% of physician fee schedule. nginx301 Moved Permanently. Monoova automates account-to-account payments with one seamless API. To do this go to the PayID menu in the Heritage Mobile Banking App. 6 PgCyr −1, 23. Connected Institutions may use the NPP to send NPP payment initiation messages to financial institutions to request payments to be made from customers ’ bank accounts. The NPP was created in order to stay aligned with the ever-changing landscape of the digital economy by enabling faster payments. 00am to 12. Previously known as the Mandated Payments Service, you can download a detailed overview of the. You can’t collect more from the patient than the deductible and coinsurance or copayment. The average cumulative downtime per provider during the year was around 18. Three of the four major banks cannot hit an end-of-June deadline for an important upgrade to the real-time payment system, which could trigger sanctions from the. The NPP was developed via industry collaboration to enable households, businesses and government agencies to make simply addressed payments, with near real-time funds availability to the recipient. To learn more about NPP and how to set up your PayID, visit our New Payments Platform faster payments page. com. Bank of Heritage Isle have chosen to provide the NPP service through Osko by BPAY, providing you with a fast and simple solution payment solution from a brand you already know and trust. 4 Creating a PayTo Agreement 81 27. Thank you for the opportunity to serve you as you find your Used Corvette. 28 2011Here's a list of Australian banks that have joined the New Payments Platform (NPP) and offer real-time payments using Osko and PayID. We would like to show you a description here but the site won’t allow us. 1. ; Li, W. NPP PaymentsEffective 1 March 2023This endpoint was called GET api/NPP/FloatTransfer until 3/03/2022. The New Payments Platform (NPP) is on track to be available from February and will allow customers to send and receive payments in real-time using mobile numbers, email addresses or ABNs. 30pm Sat 8. This allows you to still receive NPP Payments while the PayID Transfer is taking place. The New Payments Platform ( NPP ), operated by New Payments Platform Australia Ltd ( NPPA) [1] is an industry-wide payments platform for Australia. Punggol West. Suomi NPP has five sensors onboard, they are: the Advanced Technology Microwave Sounder (ATMS), the Visible/Infrared Imager and Radiometer Suite (VIIRS), the Cross-track Infrared Sounder (CrIS), the Ozone Mapping and Profiler Suite (OMPS) and the Cloud and the Earth’s. Transfer money between your accounts. The NPP is a new payments infrastructure for the Australian economy, giving consumers, businesses, and government a platform to make fast and data-rich payments. A physician or NPP cannot be his or her own authorized representative. An NPP Payment is a technical message sent between two connected NPP Financial Institutions (NPP FI) via the NPP network using an ISO20022 pacs. Benefits of the NPP include: – Make payments in near real-time 24/7, with funds being available almost instantly to the payee. 2006 MLN Matters Articles. AFSL and Australian Credit Licence 244310 . 1. Currently, Heritage only accepts NPP Single Credit Transfers (SCT). Simpler, faster way to pay. 30pm Sat 8. 11/Payment Under Fee-For-Time Compensation Arrangements (formerly referred to as Locum Tenens Arrangements) - Claims Submitted to A/B MACs Part B R 1/30/2. 7️⃣ Confirm the transaction. Is NPP available on the Mobile Banking App or internet banking? NPP faster payments and PayID are only available on the Heritage Mobile Banking App. NPP in Australia is at least in line with other successful implementations. 1. In addition to a normal academic workload. It was built by the Reserve Bank. The NPP is a world-class fast payments infrastructure developed by the Australian financial sector and the Reserve Bank of Australia. What is OSKO? | Heritage Bank Heritage is currently reviewing its position in relation to the RBA’s decision on 6 December to increase the Official Cash Rate. A PayID is a unique identifier - either your email address* or Australian mobile number* that can be used to receive faster payments to your bank account. Find my bank To find out how you can pay to a PayID or register a PayID, search for your bank here. With Osko, you will be able to register a PayID to send and receive payments easily. Currently, Heritage only accepts NPP Single Credit Transfers (SCT). En novembre dernier, nous avons choisi Heritage Paiement pour répondre à nos besoins de terminal pour les cartes Interac et cartes de crédit. nginx301 Moved Permanently. They found global potential NPP of 65. NPP Australian Limited was established in 2014 to oversee the development of real-time payment services. Resour. Call 13 14 22 or if overseas, call +617 4694 9000. View or decrease your internet banking daily transfer and BPAY limits in Heritage Online. nginx301 Moved Permanently. 2. Please see the table below to ascertain if your bank supports instant payments. com, faxing 1-602-808. Making and receiving NPP Payments using PayID. Blockchain captures the spotlight in this week’s B2B Payment Rail Innovation roundup, with community banks in the U. 3 Eligibility and Access 81 27. There are different types of solutions Transaction volumes with Australia’s real-time payment system may exceed 2 million daily, but it was a long road to enable the widespread use cases seen today, says Katrina Stuart, head of. Overlay services. We’ll help you figure it out with this five-step process. by the NPP rules to accept basic payment initiation messages. No transaction fees to pay. Notepad++ is a free (as in “free speech” and also as in “free beer”) source code editor and Notepad replacement that supports several languages. employed by the NF. These properties are currently listed for sale. The NPP is a fast payments infrastructure that has given businesses, governments and consumers a platform to make fast, near real-time and data-rich payments.