Automated Transfer System
Montran’s Automated Transfer System (ATS) provides secure, 24/7 clearing and settlement of high-value and low-value payments between central banks and participants.
Strategic Overview
ATS handles very high transaction volumes across multiple payment types—including credit transfers, direct debits, and cheques—while combining real-time settlement, electronic clearing, and sound intraday liquidity management.
The solution supports both continuous and deferred settlement modes, centrally manages payment queues, resolves gridlocks automatically, and provides real-time monitoring of positions, balances, volumes, and liquidity.
Montran ATS provides a modular, scalable clearing and settlement platform that supports national payment infrastructures with high availability and resilience.
Key Capabilities
24/7 RTGS & ACH Processing
Real-time settlement of high-value payments and continuous clearing of low-value payments.
ISO 20022, SWIFT & NACHA Messaging
Supports ISO 20022, SWIFT, and NACHA formats with centralized ISO 20022 conversion.
High Performance 
at Scale
Processes tens of millions of low-value payments in hours with high throughput and efficiency.
Real-Time 
Monitoring & Alerts
Dashboards, alerts (visual, SMS, email, audio), and payment tracking for operators and participants.
Architecture & 
Security Foundation
ATS is built on a PKI-based security model with digital signatures, SSL-encrypted communications, and smartcard/eToken access. The platform uses a browser-based thin client, Java EE enterprise components, standardized Java APIs (JDBC, JMS, JTA, JCA), and supports multiple operating systems and databases. This open architecture ensures strong interoperability, scalability, and long-term maintainability.
Client Success
A leading Indian NBFC scaled from 6 million to 50 million transactions daily with Montran’s Automated Transfer System. Noel Faroz, Senior Manager of Technology, shares how this implementation automated manual spreadsheet processes and enabled exponential growth.
FAQs
01
What is Montran ATS used for?
Montran ATS is used by central banks to provide secure, irrevocable clearing and settlement of high-value (RTGS) and low-value (ACH) payments between financial institutions.
02
Does ATS support both real-time and batch payments?
Yes. ATS supports real-time gross settlement for high-value payments and electronic clearing of low-value payments in both continuous and deferred settlement modes.
03
Is ATS available 24/7?
Yes. Both high-value and low-value payment channels are enabled for 24/7 operation with high availability.
04
How does ATS manage liquidity risk?
ATS provides real-time liquidity monitoring, centralized payment queuing, collateral-based intraday liquidity management, and automatic gridlock resolution.
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