Builders & Intermediaries · A service to monetise

Make compliance the feature you ship.

The mandate forbids banks from correcting counterparty addresses, so every TMS and ERP client is looking at you to solve the 14 November 2026 deadline inside the platform where the payment is assembled. Embed ioNova ARS once and resell two services your clients already have to buy — managed remediation of data at rest, and inline ISO 20022 correction on data in motion — as a white-label, margin-positive tier.

1
integration, every client
days
per-client activation
sub-50ms
inline correction
Partner
tier — white-label + OEM
Our clients are asking us how their pain files will pass after November 2026. Their bank can’t fix the data. If we don’t ship the answer, a competitor will — and we’d rather it be a revenue line than a support cost.
The problem, in their words
VP Product / Head of Payments Platform

What You Can Do

Embed validation in a pay screen
A live address check in the payment-initiation UI; a visible feature, not a backend fix.
Validate · At-Source
Inline engine correction
Every pain→pacs conversion in your engine passes through correction automatically, sub-50ms.
Correct · In-Flight
Hosted client correction (white-label)
Clients submit a message, receive corrected XML back: the billable tier.
Process
Client scorecards
Per-client compliance-readiness reporting; a stickiness and upsell hook.
Classify

From Sandbox to Live

Span
Core embed in weeks → each client live in days
Shape
Embed-once OEM/white-label, then per-client by Channel Profile
Tier entry
Partner
1
Get started
Sandbox live, first resolved address in ~2 days
2
Build
Register channels, test; ioNova tunes ~10,000 representative addresses in parallel
3
Validate
Production validation — channels + integrations exercised together
4
Go live
Swap test keys for live keys — no code change

Phase 1 is a one-time OEM/white-label embed: ioNova ARS sits as a sidecar at your pain→pacs conversion step and behind your payment screens, integrated over weeks via REST/MQ/Kafka with circuit-breaker fallback so your engine never blocks. After that, each new client is one Channel Profile, not new infrastructure — so client activations go live in days, and your white-label tier is margin-positive from the first one.

Why It Pays Off

a new recurring revenue line compliance becomes a feature you ship lower support load margin = resold price minus a declining unit cost white-label + OEM adapter multi-entity included
Where you start
Partner tier — it bundles the white-label, OEM adapter and multi-entity a reselling platform needs.

Frequently asked questions

Can a TMS or ERP vendor resell ISO 20022 address compliance?

Yes. ioNova ARS offers a white-label / OEM Partner tier so vendors embed once and resell compliance as a billable feature.

Why can’t the bank just fix our clients’ addresses?

EPC §3.2 forbids banks from altering counterparty addresses, which puts the fix at the point of payment assembly — your platform.

How much engineering does the embed take?

A one-time sidecar integration over weeks via REST, MQ or Kafka with circuit-breaker fallback; after that, each client onboards in days as a Channel Profile.

Does correction happen in real time inside our engine?

Yes — inline pain→pacs correction runs sub-50ms P95, preserving straight-through processing.

What’s the margin model?

Margin equals your resold price minus a per-resolution unit cost that declines as volume rises.

Is it multi-entity?

Yes — multi-entity is included in the Partner tier, so one integration serves your whole client base.

Live in weeks — before 14 November 2026.

First sandbox call in minutes, first channel live in days. Early Adopter terms end 31 July 2026.