Protocol No.
P-AL-002
Sigil
Payment
Issued
2026-05-26
02
Protocol 02 of 08 · Payments
ApprovedPushSMS

AIPS Albania Instant Payment System: second-level confirmations

Bank of Albania launched AIPS (Albanian Inter-bank Payment System) Instant since 2023, enabling second-level transfers between Albanian banks. 4notify lets you confirm payments to customers within seconds, with counterparty identity and amount.

Duty

Customers expect real-time confirmation like in mobile banking apps. Those who don't provide it lose users to neobanks and Revolut.

Legal framework
Ligji 73/2017 — Shërbimet e pagesave neni 88

Immediate customer notification for every payment on durable medium.

Banka e Shqipërisë — Vendim 49/2022 (AIPS Instant)

10s deadline from initiation to credit. VoP (Verification of Payee) mandatory for amounts >100k ALL.

Steps
01

Core banking webhook

Core banking sends payment event to 4notify within 1s of clearing finalisation.

02

Payment-type templates

Six templates: incoming, outgoing, rejected_insufficient_funds, rejected_vop_mismatch, pending_recall, recall_completed. Bilingual sq/en.

03

IBAN masking in SMS

SMS shows only last 4 digits of counterparty IBAN; full IBAN in app after authentication.

04

Dual channel (push + SMS)

Push first for app users; SMS fallback in 5s if not acknowledged.

Code
json
{
  "event": "aips.instant.completed",
  "template": "aips_incoming",
  "aips_id": "AL-BKT-20260526-X9F1",
  "amount": 125000,
  "currency": "ALL",
  "counterparty": {
    "name_masked": "Eri*** Hox***",
    "iban_last4": "8214"
  },
  "channels": ["push", "sms"],
  "recipient": { "client_id": "BKT-AL-204918", "phone": "+355692345678" },
  "compliance": { "psd_durable_medium": true, "vop_status": "match" }
}
Sample message
SMS

BKT: Received 125,000 ALL from Eri*** Hox*** (IBAN ***8214). Balance: 487,215 ALL. Details in app.

Verification list
  • Core banking webhook → 4notify endpoint
  • Test P99 latency end-to-end <5s
  • sq/en templates with escape placeholders
  • IBAN masking scheme — only last 4 digits in SMS
What 4notify does differently

Ready-made templates for Albanian banks with built-in IBAN masking, P99 <5s — no need to build your own SMS engine.

FAQ
How is VoP handled?

Core banking runs the check before acceptance. 4notify simply serves the notification with match/close_match/mismatch indicator.

Is there a cap for large amounts?

AIPS Instant has 1M ALL per-transaction cap. 4notify enforces no own limit; for large amounts, email channel auto-engages.

Start free

14 days, no card. Support in Albanian and English.

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