Digital transformation
Real-time vs. batch payments: How modern platforms bring them together
As faster and instant payment technologies become more visible, many organizations approach payments modernization as a choice between two paths: real-time payments or batch processing. Real-time execution is often framed as progress, while batch processing is treated as something to phase out. That framing doesn’t match how payment systems operate in practice. Modern payment environments are built around multiple settlement models, risk controls and reporting obligations. Some payments need to move immediately, but others can’t. Many require both real-time decisioning and delayed settlement.
