Instant Payments Experts in Germany
matched in minutes with vetted freelancers and the power of AIWork with specialists who design SEPA Instant Credit Transfer flows, integrate SCT Inst clearing and settlement, and handle payment orchestration, risk checks, and reconciliation for real-time payment products. Fast, precise matching with vetted, available freelancers.
Meet FRATCH Experts in Germany, who have recently used Instant Payments
Uday Vanaparthy
Last position:
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.
- Built and customized Helm charts and values.yaml configurations across 3 environments (ACT, SIMU, PROD), increasing deployment flexibility and consistency.
- 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.
- Automated build and continuous integration pipelines using Maven and Jenkins.
- Used Podman and OpenShift for container orchestration and Liquibase for database version control.
- Optimized Java code and implemented EHCache-based caching, improving application performance.
- Managed application images, JAR versions, and dependencies via DBAG Artifactory Repository Manager.
Thorsten Otremba
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 Kamtam
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.
Silvia Biedermann
Last position:
Business Consultant - Product Management Banking at Aareal Bank AG
- Focus on EBICS optimization and further development of the customer’s internal EBICS application
- Business and technical consulting for Aareal First Financial Solutions AG on products and applications of the EBICS standard in the areas of operations and further development, as well as project-related communication with external development partners and the product vendor to map the relevant optimizations on a technical level
- In the role of business coordinator, consulting on content-related and regulatory requirements as well as technical prerequisites and needs, and consolidating these on a business level
- Consulting on the use of EBICS formats
- Review of the current EBICS standard for potential optimizations and further development
- Analysis of the current state to identify further development potential and derive suitable recommendations for action, taking regulatory requirements into account
- Carrying out EBICS tests during the project
- Responsible on a business level for requirements management, and in this context capturing and documenting requirements for such tests
- Design of a functional and long-term test management approach
- Execution and evaluation of tests
- Consulting on sustainable quality assurance and audits
- Project languages: German and English
- Tools/methods: MS Project, MS Office, MS Visio, TestRail, Confluence, Jira, Business Logics Bank Rechner, 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
Leonid Ravin
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 Bottenhorn
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 Schenk
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 Stern
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 Sama
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 Leopold
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 Kopp
Last position:
Consultant at EPSM (European Association of Payment Service Providers for Merchants)
Falk Wieland
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 Simon
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 30 Aug 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 30 Aug 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
About the technology
What it covers
Instant Payments moves money between accounts in seconds, not in batches. It is used for checkout flows, P2P transfers, payout services, and urgent business payments where speed and finality matter. In Europe, people also search for SEPA Instant Credit Transfer and SCT Inst.
Where it fits
Companies bring in specialists when they need low-latency payment journeys, resilient bank connectivity, or clear handling of edge cases like timeouts and duplicate requests. In Germany, this work often sits close to banking, fintech, e-commerce, and treasury teams that need reliable real-time settlement.
Typical deliverables
- Payment flow design for instant credit transfers
- Bank and PSP integration work
- Retry, idempotency, and status handling
- Reconciliation and exception processing
- Monitoring for payment acceptance and failure paths
Ecosystem and tooling
Strong professionals know the surrounding payment stack, not only the transfer rail itself. They work with API specs, ISO 20022 messages, webhooks, core banking systems, and fraud or screening services. They also understand how SCT Inst differs from card rails and traditional batch transfers.
When to hire help
Freelance expertise helps when a team is launching instant payouts, adding real-time bank transfers to a product, or fixing payment failures in production. It also helps during migrations, regulator-driven changes, and multi-country rollouts where local banking behavior matters. The best specialists communicate well with product, risk, and backend teams.
What good specialists do
- Keep transfer state clear from initiation to confirmation
- Design for fallback paths when a bank is unavailable
- Protect against duplicate submission and race conditions
- Improve observability across payment hops
- Document settlement, refund, and exception rules clearly
Frequently asked questions
Before you brief your next project: the most common questions about Instant Payments.
Instant Payments are used when money has to move and be confirmed right away. Common cases include checkout, peer-to-peer transfers, emergency payouts, supplier payments, and wallet funding. Teams choose them when slow batch processing creates friction or business risk.
Yes, in most business discussions SEPA Instant Credit Transfer and SCT Inst refer to the same European instant payment rail. People may also say instant bank transfer or real-time bank transfer, but the formal scheme name is SCT Inst. A good specialist should know the operational differences from standard SEPA Credit Transfer.
Instant Payments are account-to-account transfers with fast confirmation, while cards use a different network and fee model. Compared with regular bank transfers, they reduce waiting time and improve cash flow visibility. They are often chosen for payouts, high-trust checkout flows, and urgent B2B payments.
A strong Instant Payments specialist usually brings payment APIs, ISO 20022, reconciliation logic, fraud controls, and error-handling experience. Familiarity with banking integrations, ledger design, and observability tools is also useful. For Germany-focused work, clear written communication in English and often German helps internal alignment.
A good Instant Payments project needs clear scope around payment rails, settlement flow, refund logic, and failure handling. The specialist should also know which banks, PSPs, or core systems are involved. The more complex the routing and exception paths, the more valuable early architecture input becomes.
Yes, Instant Payments work is often done remotely, especially for integration, testing, and documentation. On-site time can help during workshops with compliance, treasury, or operations teams, but it is usually not required for every phase. For Germany-based projects, remote specialists still need to understand local banking expectations and team language needs.
Look for a Instant Payments professional who can explain payment states, failure modes, and reconciliation without hand-waving. Good signs are clear system thinking, careful handling of duplicate requests, and solid experience with real payment incidents. Ask for examples of production integrations, not just theoretical knowledge.
Teams usually hire for Instant Payments when a launch is blocked by bank connectivity, failed transfers, unclear status updates, or reconciliation gaps. They also bring in help when moving from batch transfers to real-time payments or when scaling across countries. In Germany, this often happens in fintech, ecommerce, and treasury projects.
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 (77%).
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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Philipp Thomaschewski
FRATCH CEO
