Full Stack
Digital Platform





Fast, easy.

Epiphany’s InstaPay is a proprietary instant payment solution that helps banks accelerate their open banking transformation.

Why InstaPay

In a time where immediacy is the new standard and your private and corporate customers expect even more added value and innovation, every bank must address significant challenges that come along with embracing open banking: today’s systems must operate in real time, quickly adapt to changes and to different use cases, and process large volumes at the same time in a secure manner.

Main Features

Epiphany InstaPay comes with:

Open Banking API (PSD2)
based payment solution


Full PSD2 and
GDPR Compliance

Seamless integration
with Loyalty Systems

Additional Epiphany InstaPay features:

• Easy to integrate into existing Mobile Bank App
• Clean design and great user experience
• Reduce fraud risks in the transaction processing
• Easy to integrate with Epiphany InstaScore for real-time credit

Loyalty management for merchant and users

Easy to Integrate into
existing Mobile Bank App

Great user


Get a better view
of customers spending habits

Benefits for the bank:

  • Boost business growth: offer holistic payment solutions 24/7
  • Customer Retention: a truly multi-channel and user-friendly
    customer experience
  • Customer Acquisition: become more attractive for new customers,
    build value-added services like mobile P2P and much more
  • Rapid implementation and Low Internal Development Cost:
    InstaPay is ready to use and easily integrable
  • Flexible: available on cloud, on-premises, or hybrid
  • Try before you buy


Join The Pilot

Ready to use solution: we are currently running a pilot with a major Italian bank, together with an international technology provider for point of sale

Benefits for your clients:

  • Convenience :  Fast and ready to use and transact
  • Ease: Easy to use and to manage all loyalty activity as well.
  • Secure: more secure than credit card transactions, strong authentication and security measures done at the point of sale, and smart phone security features on top of everything else.
  • Fast: instant payment, always available in smartphones.
  • Loyal to loyalty: loyalty points immediately updated, no extra login required



H24 Remote

Epiphany provides remote support H24. The support is initiated by Customer call to a dedicated phone number or by system alert sent by the monitoring and automation.


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