Switch overview
Live view of Viyona Bank's IMPS switch in the demo environment. Every figure updates as transactions are processed.
Outcome mix
Outward + inward, todayNet debit cap (NDC)
Architecture
Recent activity
Fund transfer
Run a ReqPay end to end. As remitter, Viyona Bank debits CBS, signs and sends ReqPay, and handles RespPay, timeouts and reversal. As beneficiary, Viyona Bank acknowledges within 5 seconds, credits CBS and replies on NPCI's callback endpoint.
Transaction flow
Branch teller
IMPS for customers who walk into a branch. The teller captures the remitter and beneficiary, verifies the beneficiary name with the customer, and sends. Amounts above the branch limit go to a supervisor for authorisation.
Transaction
Branch IMPS today
Name enquiry
Validate a beneficiary before money moves, by account number and IFSC or by mobile and MMID. For NEFT and RTGS payee lookup, Viyona Bank sends subProdType and NPCI leaves out the account type in the response.
Name enquiry flow
Check status
Transactions on hold after RC 91 or a U01 acknowledgement. Viyona Bank may send ReqChkTxn only 100 seconds after ReqPay, at most three times, within the same settlement cycle. Funds go back to the customer only when NPCI returns FAILURE with M0.
Awaiting final status
Check status flow
Account providers
The IMPS member directory Viyona Bank keeps at its switch. Before routing, the switch checks that the beneficiary bank is registered and live, its IFSC is active, it supports FIR, and it is on version 2.1 for simplified P2P. Deactivated IFSCs arrive as "Blocked IFSC" with NBIN 999900.
Directory at Viyona Bank switch
Messages
Heartbeat
Viyona Bank sends ReqHbt ALIVE every three minutes. If NPCI does not receive it, NPCI marks Viyona Bank's NBIN down and stops routing inward credits to Viyona Bank. NPCI also uses ReqHbt to announce end of day.
Controls
Heartbeat log
Selected exchange
Transaction log
Every transaction with its RRN, both response codes (IMPS code for the online response, NPCI code for back-office settlement) and what the switch did with the customer's money. Select a row to see its full flow and signed XML.
Response codes
All 38 IMPS response codes and 10 negative acknowledgement codes, with the action Viyona Bank's switch takes on the customer account for each.
Negative acknowledgement
Reversal decisions at Viyona Bank
Message validator
Paste any IMPS XML message. The switch checks it against NPCI's IMPS field and rule validations, the same checks it runs on every message it builds or receives.
Result
Settlement and reconciliation
Three-way match of the NPCI settlement file, the switch log and the CBS ledger for each settlement cycle, with Viyona Bank's net position for settlement through its RBI account.
Net settlement position
Last reconciliation run
Exceptions
All records
Disputes and adjustments
Customer complaints and inter-bank adjustments for IMPS, tracked against the RBI turnaround time: resolve by T+1, after which the customer is compensated ₹100 for each day of delay.
Cases
Case detail
Approvals
Configuration changes and any money movement outside the normal transaction flow need a second person. A maker cannot approve their own request.
Pending
Decided
Audit trail
Every sign-in, transaction, configuration change, approval and refused action, in order. Each entry carries a SHA-256 hash of the one before it, so any edit or deletion breaks the chain.
Infrastructure
Live status of the switch across the primary and DR sites.
Architecture
Active-activeLive infrastructure health
Security status
Settings
Participant identifiers and switch parameters for the Viyona Bank environment.