Broadridge Enabling Rapid Compliance with EU Instant Payments Regulations

Broadridge EU Instant Payments compliance tools are assisting financial institutions and banks in adhering to new European regulatory requirements. Broadridge guarantees that institutions can effectively and securely comply with EU regulations by providing a scalable, real-time payments platform, facilitating quicker transactions and increased transparency.

“With instant payments now a regulatory necessity, financial institutions are actively looking for scalable and cost-efficient solutions that ensure seamless compliance and real-time payment readiness,” said Kai Marzenell, Director, Swift Product Management at Broadridge. “Our solution not only minimizes onboarding complexity but also offers financial institutions a significant cost advantage, enabling them to better operate, innovate and grow.” 

Since launching the solution in the fall of 2024, Broadridge has successfully onboarded seven clients in just five months, enabling real-time payments through partnerships with key core banking solution providers, such as CPB SOFTWARE (formerly EFDIS), as well as instant payment application providers, such as Foconis. By providing seamless integration with the European Central Bank’s Target Instant Payment Settlement (TIPS) system, Broadridge has provided banks with a high-availability infrastructure that ensures transactions settle 24/7, with zero downtime. 

By supporting EU instant payments compliance, Broadridge’s real-time infrastructure helps institutions get ahead of impending regulatory deadlines.

“Speed of onboarding was a game-changer in this collaboration,” said Christian Wust, Managing Director at CPB SOFTWARE (GERMANY) GMBH. “While most providers require six months or more per institution, Broadridge helped our clients go live in just five months, covering multiple banks in that timeframe. This level of agility is a major advantage in today’s fast-moving payments environment.” 

Broadridge’s instructing party model developed in collaboration with the European Central Bank’s TIPS system, has been a key factor in client adoption, significantly reducing costs, simplifying compliance and minimizing time to market. 

“With the October 2025 deadline for full compliance approaching, banks are under pressure to meet instant payment requirements,” said Heidi Dittmar, managing director of Swift Services, Broadridge. “Working with Broadridge has enabled our customers to integrate real-time payments efficiently and navigate the evolving regulatory landscape with confidence.” 

Broadridge’s infrastructure offers “active-active” failover across two data centers ensuring uninterrupted service availability. This capability significantly reduces risk and enhances resilience by allowing banks to rigorously pre-test failover scenarios under real-world conditions, setting a new benchmark for instant payment infrastructure. 

Additionally, Broadridge’s partnerships with CPB SOFTWARE and Foconis have been instrumental in enabling rapid deployment for financial institutions. 

Broadridge’s service for instant payments is built for continuous operation, processing transactions in less than 10 seconds with no downtime, with SwiftNet Instant connectivity for enhanced efficiency. This allows banks to support high-volume transactions, not only for the current set of instant payment transactions, but also in readiness for the future transition of all payment types to the instant payment model.

By offering a robust compliance solution for Broadridge EU Instant Payments, the business reinforces its leadership in using cutting-edge regulatory technology to drive Europe’s financial future in real time.