Here is the honest situation. Here is the honest situation. A real-time payment rail does not just make treasury faster, it removes the overnight batch the whole function was built on. Money now moves in seconds, is final the instant it is sent, and settles at any hour of any day, so liquidity, fraud control, reconciliation and funding all have to work in real time too. Doing that well means reading the ISO 20022 message families and insisting on the structured remittance data that lets receipts auto-reconcile, designing an invoice settlement workflow whose verification, screening and funding checks all complete before an irrevocable release, and setting fraud thresholds that stop authorised-push-payment losses without blocking legitimate invoices from settling. It means modelling what accelerated settlement does to the cash conversion cycle rather than assuming faster is better, funding accounts that draw down at 3am, and wiring the rail into the ERP under preventive controls with segregation of duties before the send. Where teams fall short is predictable: the rail treated as a faster pipe, screening left in an overnight pass that can no longer stop anything, and payables paid the instant they are approved, quietly giving away float.
This Kit removes the guesswork. It is real-time payments for treasury written as adopt-ready controls you personalize in a weekend, with the evidence a treasurer or finance-controls reviewer examines.
What you get, the moment you buy
Grounded in real-time payment practice and how treasury controls actually hold up. Editable Word and Excel files.
What one control looks like
This is the opening control, where the workflow begins. All 18 are built to this depth.
Why this is not another template pack
- The evidence is the point. A control you cannot evidence is a gap waiting to be found. This tells you what a treasurer or finance-controls reviewer examines and where teams fall short, for every control.
- The real-time specifics built in. Instant irrevocable settlement, the ISO 20022 message families, confirmation-of-payee and screening thresholds, the working-capital tradeoff, 24/7 liquidity and ERP integration are written into the controls, not left generic.
- Built on real practice, not one person's opinion, grounded in how real-time treasury operations actually hold up and where they actually fail.
- It compounds. This work shares its shape with payment security, operational resilience and enterprise risk frameworks, so it feeds your wider programme.
Who buys this
Corporate treasury managers, payment operations leads and financial controllers moving flows onto a real-time rail, and the finance systems and ERP owners of the reconciliation and payment controls around them. Whether this is your first instant-payments initiative or a maturity uplift, you save weeks and walk in with your settlement workflow, fraud, liquidity, integration and control evidence structured.
Common questions
Is it really editable? Yes. Word and Excel files you own and adapt. No portal, no subscription.
Does it cover the whole real-time workflow? Yes. Instant settlement, ISO 20022 reconciliation, the invoice settlement workflow, fraud thresholds, working capital, 24/7 liquidity, ERP integration and segregation of duties each have their own controls with their own evidence.
Is it tied to one payment scheme? No. The controls are scheme-neutral, covering instant irrevocable settlement, ISO 20022 messaging and the treasury controls around them, so they apply across real-time rails.
What if it is not for me? A 30-day money-back guarantee.
Instant digital download · 30-day money-back guarantee · The Art of Service Pty Ltd, GPO Box 2673, Brisbane QLD 4001 · support@theartofservice.com