IBAN Rail
IBAN Rail is a connectivity layer that unifies access to the major IBAN payment networks — SEPA Credit Transfer, SEPA Instant, SWIFT, and a growing set of local rails — behind one API and one operational interface.
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Key Features
Multi-rail routing
Automatically pick the fastest, cheapest rail per payment.
SEPA & SEPA Instant
Full coverage of Single Euro Payments Area schemes.
SWIFT messaging
Send and receive MT and ISO 20022 messages globally.
Local rail coverage
Access to FPS, ACH, and other domestic rails where available.
Unified status model
One consistent payment lifecycle across all rails.
Reconciliation feed
Settlement files and webhooks in standardised formats.
Who Is It For?
Fintechs
- ✓ Add new payment rails
- ✓ Expand into new currencies
- ✓ Reduce correspondent dependency
Banks
- ✓ Modernise payment stack
- ✓ Outsource non-core rails
- ✓ Accelerate ISO 20022 readiness
Platforms
- ✓ Embed IBAN payments
- ✓ Marketplace settlement
- ✓ Treasury connectivity
How It Works
- 1
Integrate once
Connect via a single API and message contract.
- 2
Configure rails
Enable the rails you need; we manage scheme certifications.
- 3
Go live
Send and receive IBAN payments globally through one interface.
Benefits
Faster expansion
Add rails in weeks instead of multi-year scheme onboardings.
Lower operational load
Scheme upgrades and message changes handled by us.
Consistent UX
One status model and one reconciliation feed across all rails.
Without vs With qeam.net
Without qeam.net
- • Separate integrations per rail
- • Independent scheme certifications
- • Inconsistent status models
- • Heavy ops burden
With qeam.net
- ✓ One API for many rails
- ✓ Scheme compliance handled
- ✓ Unified payment lifecycle
- ✓ Reconciliation in one feed
Frequently Asked Questions
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