Live · last hour
Network health
Payments per minute last 15 minutes
Sites
Participants
| Participant | Tier | Pool | Last activity | Payments today | Reject rate | Held | Status | Actions |
|---|
Fraud and risk monitor
Open incidents
ECACH runs settlement · the ECCB RTGS makes it final
Settlement with the banks
Customers' payments are final in seconds because each bank prefunds its share of the joint account at the ECCB. Every cycle, ECACH nets what each bank sent and received, sends one batch to the RTGS, and issues a camt.053 statement to every bank.
Latest cycle
Open cycle: who owes whom so far
Left of the line: the bank has sent more than it received (pays in at settlement). Right: it receives. The bars always balance to zero.
Joint account reconciliation
Settlement batches
| Cycle | Status | Payments | Gross | Net settled | Liquidity saved | RTGS reference | Actions |
|---|
Bank liquidity in the pool
| Participant | Pool available | RTGS account | Queued | Actions |
|---|
Liquidity calls
ECACH asks a bank to add liquidity when its pool share runs low or before a busy period. The call is met automatically when the bank's top-up posts.
Who can join, and how
Onboarding pipeline
Institutions apply to ECACH and pass four stages. Customers and merchants sign up with their own bank; ECACH sees every new account join the directory.