Payment Anatomy
Interactive Transaction Explorer
Pick a payment scenario and explore it layer by layer. See every component of the payment stack — from the user's tap to final settlement.
Visa Tap-to-Pay (Norway)
Follow a contactless card payment from NFC tap through scheme routing to settlement via NBO.
7 layers · Explore →
SEPA Instant (DE to FR)
An instant credit transfer across the eurozone via the TIPS infrastructure, settled in under 10 seconds.
5 layers · Explore →
SWIFT Cross-Border (US to JP)
A high-value USD payment routed through correspondent banks via the SWIFT network, with nostro/vostro settlement.
5 layers · Explore →
PIX Instant (Brazil)
Brazil's central bank instant payment system processes a transfer in under 2 seconds, 24/7/365.
5 layers · Explore →
UPI Payment (India)
India's Unified Payments Interface processes a mobile payment through NPCI's switch in under 3 seconds.
6 layers · Explore →
Vipps Merchant (Norway)
A mobile payment in a Norwegian store via Vipps MobilePay, routing through BankAxept or card rails to settlement.
5 layers · Explore →