Instant Payments
mAI Iris
IRIS instant payments via DIAS
mAI Iris is the instant-payment engine of the RMS ecosystem. It connects to the DIAS interbank system and implements the full IRIS payment flow — initiation, status checking and final result — so the till, the e-shop and the ordering apps can accept payments straight from a bank account, with Dynamic QR and instant settlement, no intermediaries.
Everything you need in mAI Iris
IRIS payment initiation
Create a payment request to the DIAS IRIS Hub with an end-to-end transaction identifier.
Dynamic QR
A per-transaction payment QR at the till or checkout — the customer scans and pays from mobile banking.
Status & result
Track each payment's progress and final outcome in real time, with full history.
Security & roles
JWT authentication, admin/merchant roles, rate limiting and account lockout after failures.
Audit trail
Every action and every request/response is logged for full transaction traceability.
Ecosystem integration
Powers IRIS payments in mAI Retail, mAI Order and mAI Loyalty checkout.
Platform
- ▹ Node.js REST API
- ▹ MySQL + audit trail
- ▹ DIAS IRIS Hub
Who it's for
- ▹ E-shops & online ordering
- ▹ Retail stores
- ▹ Hospitality & delivery
- ▹ Platforms & marketplaces