Money in motion, everywhere at once: people, businesses, banks and financial institutions moving value across the world's payment networks.
Payment Journey Intelligence Infrastructure™
Know where money is. Understand what happens next.
Payment Journey Intelligence Infrastructure™ for banks, businesses and consumers.
OpenPaymentGPS™ is designed to transform complex payment-network and banking information into clear, actionable payment intelligence. Through authorized bank integrations, payment-network connectivity and a unified intelligence layer, OpenPaymentGPS helps financial institutions provide their customers with greater visibility into money in motion, from initiation through final disposition.
Not another payment rail. The intelligence layer above the rails.
Core service
One understandable payment journey, assembled from information that already exists
Where is my money?
Understand the current stage of the payment journey.
What happened?
Translate technical payment events into understandable information.
What happens next?
Provide the next known or reasonably inferred payment stage when supported by available data.
Do I need to do anything?
Distinguish between normal processing, institutional action and situations requiring customer attention.
The waiting problem
The money often moves quickly. The customer's information does not.
Fedwire settles the same day and most CHIPS payments reach finality in under a minute. International wires still take days because the journey crosses screening queues, cut-off times, conversion, correspondent banks, national systems and account posting. The gap is visibility, not speed.
- 01
Whether the sending bank released it
- 02
Whether compliance is still reviewing it
- 03
Whether an intermediary bank received it
- 04
Whether currency conversion happened, and at what rate
- 05
Whether the beneficiary bank accepted it
- 06
Whether more information is required
- 07
Whether fees were deducted
- 08
When the recipient will actually be credited
OpenPaymentGPS™ by VeritServe
One journey view, whatever rails the payment crosses
Pick a scenario to see what the customer sees: the stage reached, who holds the payment now, what was deducted, what the beneficiary should receive and when.
QV-WIRE-892741
$50,000.00 to EUR beneficiary
Transaction initiated
Verified09:02Your bank has received your wire instruction.
Originating bank
Verification in progress
Verified09:05Beneficiary details and payment instructions are being validated.
Originating bank
Compliance review
Verified09:14The transaction is undergoing required regulatory screening.
Sanctions and AML screening
Released by originating bank
Verified10:41The payment has left the sending bank.
Originating bank
In correspondent network
Verified11:20The payment is moving through an intermediary institution.
Correspondent bank
Currency conversion completed
Verified12:06Funds were converted at the disclosed exchange rate.
Foreign exchange
Beneficiary bank received payment
Verified14:32The recipient's bank has accepted the transaction.
Beneficiary bank
Account credit in progress
InferredThe beneficiary bank is posting the funds to the recipient's account.
Beneficiary bank
Delivered
EstimatedFunds have been credited to the beneficiary.
Beneficiary bank
- Amount sent
- $50,000.00
- Exchange rate
- 1 USD = 0.9124 EUR
- Confirmed deductions
- €42.00
- Expected beneficiary amount
- €45,578.00
- Route
- SWIFT / correspondent network
- Expected arrival
- Today, 16:30 local time
What this means
Your payment has reached the beneficiary bank. Based on similar payments, account credit is expected within two hours. No action is currently required.
Three moments, kept distinct
- The sending bank released the wire.
- The payment network completed settlement.
- The beneficiary bank credited the account.
Normalized journey record
{
"journey_id": "QV-WIRE-892741",
"payment_status": "AT_BENEFICIARY_BANK",
"status_confidence": "VERIFIED",
"current_stage": 7,
"total_stages": 9,
"next_event": "ACCOUNT_CREDIT",
"customer_action_required": false
}Verified versus predicted
Never pretend to know where money is
Every stage carries its own confidence label, so a customer can tell the difference between a confirmation from the beneficiary bank and an estimate drawn from similar payments. That honesty is what makes the product usable inside a bank.
Three moments, never conflated
The sending bank released the wire. The rail completed settlement. The beneficiary bank credited the account. These are not the same moment, and OpenPaymentGPS shows each one separately.
- Verified
Confirmed by the relevant bank or payment network
- Inferred
Derived from available processing events
- Estimated
Predicted from historical transaction patterns
- Action required
Waiting for information or approval
- Exception
Delayed, rejected, recalled or returned
Normalized from what already exists
We connect the information. We do not own the roads.
Every bank and network describes events differently. OpenPaymentGPS collects what is available, normalizes it and renders one consistent journey language.
- SWIFT gpi and UETR events
- ISO 20022 status messages
- Fedwire acknowledgements
- CHIPS settlement confirmations
- Bank internal payment systems
- Compliance and investigation systems
- Foreign-exchange systems
- Beneficiary-credit confirmations
Applied intelligence, kept in its lane
Intelligence is used to explain and anticipate, never to move money or to claim a milestone an institution has not confirmed.
- Predict likely arrival times from comparable payments
- Explain delays in plain language
- Flag a journey that looks abnormal
- Show where payments regularly become delayed
- Recommend the next investigation step
- Translate technical payment codes into readable status
"Your payment has reached the beneficiary bank. Based on similar payments, account credit is expected within two hours. No action is currently required."
For banks
Keep your existing payment infrastructure. Give customers real, understandable visibility into every payment journey.
Mobile banking module
White-label journey view inside the bank's own app.
Corporate treasury dashboard
Portfolio view of every outbound and inbound payment.
Business API
Journey events pushed to the customer's ERP or treasury system.
Investigation tool
One screen for service teams handling "where is my wire?" calls.
Operations dashboard
Where payments repeatedly stall, by corridor and institution.
Notification service
Customers told before they think to call.
The position
Money moves. Intelligence should move with it.
OpenPaymentGPS™ is building infrastructure for a future in which payment transparency is not an afterthought. It is part of the payment experience. For banks. For businesses. For consumers.
OpenPaymentGPS™ · Know the Journey.™