World Bank2025-10-212025-10-212025-09-01https://hdl.handle.net/10986/43873This technical note provides a comprehensive overview of overlay services in fast payments, focusing primarily on request-to-pay (RtP) and confirmation-of-payee (CoP) services. As global payment systems evolve, these overlay services are increasingly recognized as important components for enhancing the functionality and security of fast payment systems (FPS).en-USCC BY-NC 3.0 IGOGLOBAL PAYMENT SYSTEMSFAST PAYMENT SYSTEM (FPS)OVERLAY SERVICESREQUEST-TO-PAY (RTP)ReportWorld Bank