Digital overlays use real-time payments to settle a payment or transaction, or to provide an ancillary service for a real-time payments method; these are services over and above the core payment processing that adds value to the standard payments.



These can be used to improve the workflows and customer experience in a range of payment scenarios, including bill payments, at point of sale, social payments, in-app payments, QR-code-enabled payments and invoice payments.

Akhil Rao has shared some insights on digital overlays and his geographic insights provide a useful comparison for the UK and Europe.