National Switches

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National Switches

Country-level interbank switching infrastructure for central banks, payment system operators, and banking associations. Enables domestic interoperability across ATM, POS, and real-time payment networks — connecting all participating banks through a single national infrastructure.

Architecture Overview

National Switch Infrastructure

Click to expand. The diagram shows the national switch hub connecting participant banks, with interbank transfer, RTGS, ACH, and instant payment capabilities.

National SwitchesCountry-level interbank switching infrastructureNationalSwitchBank ABank BBank CBank DBank EBank FInterbankTransferReal-TimeGrossBulkACHInstantPaymentsAustraliaSingaporePhilippinesIndonesiaThailand
Expand diagram

Platform Capabilities

What the Platform Delivers

Interbank ATM and POS switching
Real-time gross settlement (RTGS) integration
Bulk ACH and batch payment processing
Instant payment scheme support
Participant bank onboarding and management
Bilateral and multilateral net settlement
Dispute and exception management
Regulatory reporting and compliance
Fraud monitoring across the network
ISO 20022 message support
High availability with geographic redundancy
Central bank oversight and reporting tools

Key Features

Built for APAC Requirements

National Interoperability

Connect all participating banks through a single infrastructure — enabling any cardholder to transact at any ATM or POS terminal regardless of their issuing bank.

Multi-Rail Support

Support ATM, POS, real-time, and batch payment rails on a single platform — reducing the cost and complexity of operating separate national payment infrastructures.

Regulatory Oversight Tools

Provide central banks and payment system operators with real-time visibility, reporting, and intervention tools — meeting national payment system oversight requirements.

Proven APAC Deployments

The platform has been deployed in multiple APAC markets — with Proximo providing implementation, integration, and ongoing operational support throughout the programme.

Typical Use Cases

Who Uses This Platform

  • Central banks building or modernising national payment switch infrastructure
  • Banking associations establishing shared ATM and POS networks
  • Payment system operators launching instant payment schemes
  • Governments building national financial inclusion payment infrastructure
  • Regional economic communities establishing cross-border payment interoperability

Get Started

Ready to Implement?

Proximo's specialists will scope the implementation, manage the vendor relationship, and deliver a production-ready system — configured for your APAC market.

Discuss National Switch