Instant Payments Experts in Germany
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Meet FRATCH Experts in Germany, who have recently used Instant Payments
Silvia B.
Last position:
Business Consultant - Product Management Banking at Aareal Bank AG
- Focus on optimizing and further developing the internal customer EBICS application
- Functional and technical consulting for Aareal First Financial Solutions AG on EBICS standard products and applications in the areas of operations and further development, as well as project-related communication with external development partners and the product manufacturer to implement the corresponding technical optimizations
- As the functional coordinator, providing advice on content-related and regulatory requirements as well as technical prerequisites and requirements, and bringing these together at the functional level
- Consulting on the use of EBICS formats
- Reviewing the current EBICS standard for optimization and further development potential
- Analyzing the current state to identify development potential and deriving appropriate recommendations for action while considering regulatory requirements
- Conducting EBICS tests throughout the project
- Functional responsibility for requirements management and, in this context, recording and documenting requirements for such tests
- Designing a functional and sustainable test management system
- Conducting and evaluating tests
- Consulting on sustainable quality assurance and audits
- Project language: German and English
- Tools/Methods: MS Project, MS Office, MS Visio, TestRail, Confluence, Jira, Business Logics Bankkrecher, Business Logics Test Data Generator, Business Logics Banking Tool, Business Logics Test System, DBEAVER, Squirrel, Unix Virtual Machines, WinSCP, Kitty, Putty, various Aareal Bank products, Online Banking Portal, Aareal Sign, core banking system, SAP Blue Eagle, SAP RE-FX, Aareon Wodis Sigma, Haufe Real Estate Wowinex, GAP Group Immotion, UTS Karthago, SAP IS-U/Waste, SIV kVASy, various EBICS clients
Uday V.
Last position:
Senior Full Stack Java Developer & DevOps Engineer at Deutsche Börse (DBAG)
Project: SCS (Settlement / Clearing Services)
Settlement platform serving multiple trading and clearing venues — counterparty risk safeguarding, settlement volume reduction, central risk management, and post-trade anonymity.
Technologies: Java 17, Spring Boot 3, Microservices, Spring Data JPA, SonarQube, Fortify (SCST), Mockito, Jenkins, OpenShift, Maven, Podman, GitHub, JIRA, Liquibase, Swagger, AMQP, Apache Camel, Terraform, PostgreSQL, Instana, Graylog.
- Identified and remediated CVEs in third-party libraries using SCA tooling, strengthening the security posture of production components.
- Maintained 90% code coverage with SonarQube, improving code quality and reducing production defects.
- Enabled mTLS for database authentication and message broker connections, enforcing encrypted, certificate-validated communication.
- Designed and deployed microservices with asynchronous, REST-based communication between components.
- Optimized a high-volume REST API (~200K requests) by reducing response time from 3s to 2s (33% improvement), boosting throughput and reliability under production load.
- Automated build and continuous integration pipelines using Maven and Jenkins.
- Orchestrated containerized workloads on Podman/OpenShift and governed schema evolution with Liquibase, ensuring reliable, repeatable deployments across all environments.
- Optimized Java code and implemented EHCache-based caching, improving application performance.
- Streamlined release management by governing application images, JAR versions, and dependencies through DBAG Artifactory, ensuring version consistency and audit traceability across environments
Thorsten O.
Last position:
Workstream Lead (WS) at Bank-Verlag GmbH
- Introduction of giro card with Visa Debit card payment function (Combocard) for Commerzbank
- Support for the Card Processing Team (card processing; Clearing & Settlement incl. Dispute Management teams) in project work
- Creation of requirements for the Clearing & Settlement team, Authorization team (AZ) and Card Production team (KP) as part of a requirements catalog
- Requirements engineering (requirements management) with business contact person
- Participation in workstream meetings between VISA Inc., SRC Security Research & Consulting GmbH, Commerzbank AG and consulting firms (PwC and Senacor Technologies AG)
- Sprint planning with Jira tickets of type Task and use of Confluence
- Creation and presentation of weekly status reports for the Clearing & Settlement, Dispute Management and Reporting & GUI workstreams
- Coordination with network and file transfer teams for connection tests of new interfaces, e.g. setup of host keys, use of VPN or sipnet connections
- Coordination of the delivery of test files, e.g. exchange rates (FX rates; TC 56 of VISA rates), VISA Debit and Credit transactions (format Base II) and EANSS/ISS Base II clearing files to the Debit Clearing System (DCS)
- Conducting coordination meetings on the use of Visanet Settlement Service (VSS) and PSD2 reports and payment traffic statistics (ZVS)
- Organizing workshops with FiServ (First Data) on Dispute Management and complaint handling
- Setup and maintenance of Open Point List (OPL) in Confluence
- Technologies/methods: Jira, Confluence, giro card, VISA Debit card, payments, Kanban board, BIN, routing, CIQ, VPAY, ScalaTest, Dispute Management
Kshitija K.
Last position:
CEO Office at Techno Design GmbH
- Acted as a trusted advisor to leadership, driving strategic initiatives, structuring meetings, and ensuring follow-through on key priorities.
- Led the launch of a corporate travel platform, aligning cross-functional teams and improving operational efficiency.
- Conducted market and competitive analyses to identify growth opportunities and inform business and investment decisions.
- Supported M&A and venture evaluations, contributing to global expansion and portfolio strategy.
- Developed strategy briefs, business cases, and executive presentations to enable data-driven decision-making.
- Managed quarterly and annual planning processes, tracked KPIs, and ensured alignment with organizational goals.
- Planned and executed brand initiatives, including organizing Techno at Bharat Tex, enhancing industry visibility and partnerships.
- Strengthened internal communication cadence and governance frameworks, improving execution efficiency by 20%.
- Drove process improvements to enhance execution discipline and strategic alignment.
- Enhanced governance and reporting mechanisms to increase accountability, milestone tracking, and performance visibility.
- Collaborated closely with finance, product, and strategy teams to ensure timely delivery of cross-functional priorities.
- Fostered knowledge-sharing and continuous-improvement practices to strengthen organizational collaboration and execution.
Leonid R.
Last position:
IT Business Analyst / Requirements Engineer at S-Payment GmbH / Sparkasse (DSV-Gruppe)
- Business analysis of payments for the introduction of Wero EPI in Germany.
- Analysis and optimization of merchant processes in the context of acquiring and issuing.
- Analysis of interfaces for instant payments.
- Analysis of SCT-Inst processes, settlement mechanisms and reporting processes.
- Identification and clarification of gaps in merchant processes.
- Analysis and documentation of clearing and settlement processes.
- OSPlus process analysis and documentation.
- Coordination and alignment with scheme management as well as various payment service providers and financial institutions on merchant processes.
- Preparation and follow-up as well as active participation in EPI meetings on technical coordination and regulatory topics in payments, including content familiarization and prioritization.
- Preparation and documentation of project and steering committees in the EPI environment.
- Creation of status reports for the subproject.
- Maintenance and structuring of Confluence pages for project documentation.
- Coordination and alignment with the issuing teams on individual customer processes as well as aligning with bank processes and acquirer processes in the Wero environment.
- Communication with payment service providers regarding merchant and bank processes in the Wero environment.
- Organizational support for project management in special tasks in the EPI and Wero environment.
- Digital filing and documentation in Confluence and Microsoft Teams.
- Planning, implementation and tracking of work packages and steps.
- Quality assurance and project control.
- Consulting on IT strategy, IT architecture and interface management in the EPI and Wero environment.
- Technical environment: Jira, Confluence, XML, JSON, MS Office (Word, Excel, Teams, PowerPoint), SharePoint, Draw.io, Innovator, 3rd-level support, ITIL, creation and updating of software documentation, interface management, OSPlus, Scrum, KYC, payment, European Payments Initiative (EPI), Wero, Microsoft Loop, Instant Payments, SCT-Inst.
Jörn B.
Last position:
Project Management and PMO at TANKKARTEN | PAYMENT
- Close collaboration with development teams to ensure alignment with project goals
- Assessment of in-scope assets, requirements definition and support of the public tender process up to vendor selection
- Creation and maintenance of UML sequence diagrams to document system interactions
- Intensive use of Agile/Scrum methodology and the Spotify model
- Development and implementation of cutover and rehearsal plans together with the application managers
Andreas S.
Last position:
Project Management, Development and Test- (Defect-) Management at safarica.com
- Creation and implementation of a multilingual, relational MariaDB database to reflect the requirements of a booking system designed for safaris in Africa
- Testing the front- and backend functionality, registration of clients and suppliers, the editorial system and the payment workflow
- Defect management and documentation via BugHerd
- Implementation of an automatic internal deployment of deliveries provided by an external company via bash scripts
- Coordination of external companies in the function of a project manager (Stakeholder Management)
Tim S.
Last position:
Founder & CEO at Entrepreneur / Founder & CEO
- Empower businesses to harness AI-driven app solutions for transformative growth
- Combine hands-on development with strategic AI consulting to turn complex ideas into smart, scalable products
- Passionate about creating software that delivers real-world impact
Mbah S.
Last position:
Software Tester for Banking Requirements at comdirect
- Responsibility for testing and quality assurance of application processes
- Creation and execution of test cases based on defined acceptance criteria
- Documentation of deviations and analysis, as well as initiation of necessary corrective actions
- Ensuring the flow of information within the team and with other specialist departments
- Maintenance and further development of test automation
- Adapting Selenium-based automation to every release and sprint change
- Extending test automation with new processes
- Performing security tests
- Identifying typical vulnerabilities (e.g. XSS, SQL injection, insecure headers) through automated tests in the CI/CD flow
- Use of technologies Selenium (including integration with security scanners such as OWASP ZAP), Unix/SQL environments and optionally Cypress, SAP, C#, Java, GitLab, Jira, Confluence, REST API, Postman, HP-ALM, SSI, Octane, WinSCP.
Quentin L.
Last position:
Mobile Wallet/Payments Product & Partner Manager at Samsung Electronics GmbH
- Mobile Wallet/Mobile Pay
- Issuer & non payment product & partner manager
- Strategic alignment for Samsung Wallet for the future
Simone K.
Last position:
Consultant at EPSM (European Association of Payment Service Providers for Merchants)
Falk W.
Last position:
SVP IT & Organisation / Deputy SVP Finance & Controlling Infrastructure at B+S Card Service / Payone
- Modernised post-merger regulated payment-processing infrastructure (KRITIS).
- Established cloud-enabled platform and ensured PCI and regulatory compliance.
Niklas S.
Last position:
Trainee Corporate Banking at Commerzbank AG
Discover over 15,000 top freelancers
Statistics of experts using Instant Payments
Aggregated from the professional profiles of matched freelancers.
Experience
19 years
Position duration
1.9 years
Positions per freelancer
13
Top business areas
Information Technology, Project Management, Operations
Top industries
Banking and Finance, Information Technology, Telecommunication
Certification focus areas
Product Development, Project Management, Information Technology
Bachelor's degree or higher
89%
Master's degree or higher
56%
Doctorate
22%
Certifications per freelancer
4
Most common languages
German, English, French
Speak two or more languages
100%
Based on our profile pool as of 19 Sep 2026.
Daily rate distribution
The chart shows how the daily rates of freelancers in this technology in Germany are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows how many freelancers charge within that range.
Average rates of experts in Germany using Instant Payments
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 19 Sep 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
Instant Payments experts industry focus
See which industries our matched freelancers work in most often — every figure is calculated live from the freelancers on FRATCH.
- Banking and Finance (100%)
- Information Technology (85%)
- Telecommunication (38%)
- Aerospace and Defense (23%)
- Automotive (23%)
- Insurance (23%)
- Transportation (23%)
- Government and Administration (23%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
What Instant Payments are
Instant Payments move funds between accounts within seconds, at any time of day. In Europe, projects commonly use SEPA Instant Credit Transfer, also known as SCT Inst, to support euro payments across participating banks. The technology combines payment initiation, account validation, settlement and status handling in one continuous flow.
What they enable
Companies use Instant Payments to create payment experiences that do not depend on banking hours or batch processing. Typical implementations support:
- Real-time account-to-account transfers for online checkout
- Immediate payouts for marketplaces, insurers and financial services
- Treasury and cash-management workflows with live balance updates
- Payment confirmation for subscriptions, invoices and point-of-sale systems
- Cross-border euro payments connected to bank and payment service APIs
Ecosystem and tooling
Work often spans banks, payment service providers, open-banking interfaces and internal ledger services. Specialists work with ISO 20022 messages, REST APIs, webhooks, strong customer authentication and sanctions or fraud-screening services. They also understand reconciliation, idempotency, signing, encryption, monitoring and the operational rules of SCT Inst. In Germany, these capabilities often connect established banking processes with modern digital commerce systems.
When expertise matters
Freelance expertise is useful when a company is adding real-time payment capability to an existing platform or replacing delayed transfers. It also helps when payment failures are difficult to trace, reconciliation is manual or a new provider must be integrated without disrupting live transactions. Strong specialists clarify scheme requirements, map edge cases and document the flow from initiation to settlement.
Signs you need support
- Payment confirmations arrive late or differ between systems
- The product needs instant payouts, refunds or account funding
- A bank or payment service provider integration lacks reliable status handling
- Fraud checks and customer authentication slow down the payment journey
- Finance teams cannot reconcile real-time transactions with internal records
What strong specialists deliver
The best professionals combine payment-domain knowledge with careful systems work. They define resilient APIs, handle timeouts and duplicate requests, protect sensitive payment data and make every state observable. They test accepted, rejected, pending and returned transactions, then give business and technical teams clear runbooks. Remote collaboration works well when specifications, access controls and communication are organised; German-language coordination can be valuable for local banking stakeholders.
Frequently asked questions
Before you brief your next project: the most common questions about Instant Payments.
Instant Payments are used for account-to-account transfers that need confirmation within seconds, including checkout, invoice settlement, account funding and payouts. In Europe, many implementations use SEPA Instant Credit Transfer, or SCT Inst, for euro payments available around the clock.
Instant Payments move money directly between bank accounts and can provide immediate settlement feedback. Card payments may offer broader consumer protections and established checkout flows, while regular credit transfers can be slower and more dependent on banking schedules. The right choice depends on reach, user experience, cost structure and reconciliation needs.
A strong Instant Payments specialist often brings knowledge of ISO 20022, open banking, REST APIs, webhooks and payment service provider integrations. They should also understand fraud prevention, sanctions screening, strong customer authentication, ledger design, observability and secure handling of financial data.
The required depth for Instant Payments depends on scope, regulatory exposure and the number of banks or providers involved. A contained integration may need focused payment API expertise, while a core banking or multi-provider rollout calls for someone who has handled settlement states, reconciliation, operational incidents and production controls.
Instant Payments work can usually be delivered remotely because design, integration, testing and monitoring are largely digital. On-site sessions may still help when a bank, finance team or security function requires workshops or controlled access. German-language communication can be useful when local stakeholders and banking operations are closely involved.
Ask how the Instant Payments specialist handles rejected, pending, duplicated and timed-out transactions. Review examples of reconciliation design, monitoring, security controls and provider integration. A quality professional explains trade-offs clearly and can show how business events map to technical payment states.
SCT Inst is the European scheme for instant euro credit transfers, with defined participation and processing requirements. Real-time payments is a broader term that can include domestic schemes, different currencies and other payment models. A specialist should identify the exact scheme, clearing route and provider obligations before designing the solution.
Before starting Instant Payments work, clarify the countries and currencies covered, the participating banks or providers, expected transaction states and ownership of fraud checks. Also confirm test environments, production access, incident responsibilities, reconciliation rules and whether the project requires on-site collaboration or German-language meetings.
The average hourly rate of freelancers in Germany who have used Instant Payments in their recent projects is 118 €, which corresponds to a daily rate of about 944 € based on an 8-hour working day.
Of the freelancers in Germany who have used Instant Payments in their recent projects, 89% hold at least a Bachelor's degree, 56% hold at least a Master's degree, and 22% hold a doctorate.
On average, freelancers in Germany who have used Instant Payments in their recent projects have 19 years of professional experience, with a single engagement typically lasting around 1.9 years.
The most common languages among freelancers in Germany who have used Instant Payments in their recent projects are German (100%), English (100%), and French (23%).
The most common industries among freelancers in Germany who have used Instant Payments in their recent projects are Banking and Finance (100%), Information Technology (85%), and Telecommunication (38%).
The most common business areas among freelancers in Germany who have used Instant Payments in their recent projects are Information Technology (92%), Project Management (92%), and Operations (69%).
Main locations of FRATCH Experts, who have recently used Instant Payments
Our freelancers and interim experts are at home across the DACH region — available on-site in the major business hubs or fully remote. Choose a location to discover matched specialists, local market insights and up-to-date availability.
Berlin Hamburg Munich Cologne Frankfurt Stuttgart Dusseldorf Leipzig Dortmund Essen Bremen Dresden Hanover Nuremberg 
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