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    The Icon Payments Framework (IPF)

    A proven solution for smarter payments

    Accelerate payments transformation with a flexible framework that combines rich out-of-the-box functionality with full control over innovation, timelines and costs. 
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    Go from competing to leading

    Build a lasting platform to repeatedly accelerate the development of new products and services.

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    Accelerate innovation

    Enables banks to accelerate time-to-market of new payment services without the dependency of a product vendor.
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    Highest non-functionals

    Built to meet the non-functional requirements of instant payments: resilience, availability, latency and scalability.
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    Up to 50% lower TCO

    Rich functionality combined with the Software Development Kit (SDK) and cloud native deployment can reduce the TCO up to 50%. 

    IPF underpins payments orchestration solutions and sits at the heart of your core payments architecture

    Orchestration Functionality
    UNDER IPF
    mask-group-68f6675e50b68 SDK Deployment
    UNDER IPF
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    Flexible payments orchestration

    IPF processes payments on the basis of orchestration flows that are configured via its intuitive user interface: the IPF Studio. This gives payment processors full control over the way payments are processed in their specific situation. IPF process flows can invoke functionality that is provided by IPF, the payment processor itself or any external system.

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    Functional richness

    IPF provides a large amount out-of-the-box functionality that enables the processing of payments. It also includes an intuitive UI that is used by bank operators for activities like configuration, payment enquiries and manual interventions. IPF can process any type of payment and comes with optional modules to clear and settle payments with specific payment schemes or CSMs.

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    Software Development Kit

    IPF includes a comprehensive SDK to accelerate implementation. It features IPF Studio – an intuitive integrated development environment for defining flows and business rules including frameworks for integration, data mapping, UI creation, and automated testing. The SDK also has extensive documentation and sample assets support in-house teams or system integrators throughout the implementation process.

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    Robust, cloud-native, deployment options

    IPF is a cloud-native solution proven in production across AWS, Azure, IBM Cloud and private environments. It meets the highest non-functional requirements – including 24/7 availability, active-active deployment, low latency, scalability, service-level prioritisation and data encryption. As instant payments become the norm, IPF helps banks deliver high performance while controlling infrastructure costs.

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    NatWest recognised the advantages of building in-house and selected IPF to accelerate delivery and empower its engineering teams to focus on high value integrations and innovation. By embracing IPF's capabilities and adopting a future-focused approach, NatWest has raised the bar for excellence in financial services.
    Ian Povey, CIO of Payment Services & Technology

    NatWest Group

    IPF enables Citi’s engineers to build, deploy and test capabilities rapidly. Coupled with independently deployable and evolvable micro-services, Citi will be able to horizontally scale for growing payments volumes and improve time to market.

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    IPF SERVICES

    Implementation Services

    With IPF, you're in control of your payments transformation. Implementation can be carried out by your own IT team, a system integrator of your choice, Icon Solutions – or any combination of these. This isn’t a fixed approach – it’s a flexible model tailored to your needs and preferences.

    All artefacts created during an IPF implementation – such as process flows, connectors and mappers – are your intellectual property, even if developed by Icon Solutions. This means you can modify and extend your solution at any stage without relying on Icon.

    You stay in control – while we bring the expertise, guidance and support to safely undertake your transformation journey.

    CHOOSING IPF

    Accelerate your payments transformation with IPF

    Toine van Beusekom on the people behind IPF
    Tom Cleaton on what to expect when you select IPF 

    Case Studies

    Citi is rolling out real-time payments globally with Icon Solutions' IPF

    Citi is undertaking a multi-year modernisation of its payments platform, and has chosen IPF to strengthen its technology and payments capabi...

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    Citi payments

    Accelerating the delivery of cross-border payments

    Our client needed to conduct a focussed engagement to assess the impact on three core capabilities required to support cross-border payments...

    Read Case Study
    Accelerating the delivery of cross-border payments
    Factsheet

    IPF Factsheet

    Whether you are looking to develop your own payment solution or want a turnkey payment engine, we can help.

    The Icon Payments Framework Factsheet

    From consolidation to collaboration

    READ MORE

    Services

    Providing solutions to solve existing challenges and lead the future of banking.

    Payments

    Payments integration and architecture consulting services

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    Architecture

    Digital transformation from strategy to technical design

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    Data & AI

    Using AI to unlock the full potential of your data

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    Featured RESOURCES

    Thought leadership

    Explore our selection of resources - insights, case studies, whitepapers and more, designed to help financial services organisations navigate the payments landscape.
    See all Resources
    Blog
    Sibos 2025: The Case for Consolidation Continues to Build

    Sibos 2025: The Case for Consolidation Continues to Build

    Banks must consolidate payment infrastructure to support diverse digital assets and enhance cross-border payments efficiency, as highlighted...

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    Blog
    The future of AI payments solutions: Driving intelligent payment platforms with IPF and Generative AI

    The future of AI payments solutions: Driving intelligent payment platforms with IPF and Generative AI

    Discover how Generative AI and IPF are revolutionizing payment solutions, enabling developers to focus on complex problems while automating ...

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    Blog
    Sibos 2025: Time to Consolidate Your Payments Infrastructure

    Sibos 2025: Time to Consolidate Your Payments Infrastructure

    As Sibos 2025 approaches, banks must shift from compliance to consolidation. Discover how unified payments infrastructure drives resilience ...

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    Blog
    The UK’s National Payments Vision takes a step closer to reality

    The UK’s National Payments Vision takes a step closer to reality

    UK’s National Payments Vision: How will the HM Treasury’s July 2025 update shape retail payments infrastructure, FPS upgrades, and instant p...

    More Info